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WEST PENN FINANCIAL SERVICE CENTER, INC.
Independent Mortgage Company|ALLISON PARK, PA|Regional
Loans Originated
800
Applications
932
Volume
$168 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.305%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,969
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
85.8%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA loans
Report Card
WEST PENN FINANCIAL SERVICE CENTER, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Regional · 6 metro areas · 2 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$210,088
Average Borrower Income
$102,698
Average Property Value
$250,425
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Sound | Strong | 640 | 80.0% | +0.245% | $2,043 |
FHA Loans | Strong | Strong | Sound | Strong | 110 | 13.8% | +0.674% | $1,429 |
VA Loans | Strong | Strong | N/A | Strong | 43 | 5.4% | +0.105% | $2,690 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Sound | Strong | 791 | 98.9% | +0.302% | $1,961 |
Geographic Coverage
Metro Areas
5
States Served
2
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
OHPA
Top Metro Areas by Place Specialization Score
1
Pittsburgh, PA, PAMSA
Volume: 567Mix: 70.88%
Place Specialization
Exceptional
2
Youngstown, OHMSA
Volume: 82Mix: 10.25%
Place Specialization
Strong
3
Akron, OH, OHMSA
Volume: 42Mix: 5.25%
Place Specialization
Strong
4
Cleveland, OH, OHMSA
Volume: 35Mix: 4.38%
Place Specialization
Sound
5
Canton, OHMSA
Volume: 12Mix: 1.50%
Place Specialization
Sound
Top States by Place Specialization Score
1
PAState
Volume: 610Mix: 76.25%
Place Specialization
Exceptional
2
OHState
Volume: 190Mix: 23.75%
Place Specialization
Strong
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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