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Federated Mortgage

Independent Mortgage Company•Pittsburgh, PAHQ•Direct•Reviews near you on Google

Federated Mortgage has 388 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Sound
3/5
FHA · Conventional · VA
Place
Sound
3/5
Multi-Region · 5 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
FHA Superstar
FHA
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees
  • Strong pull through performance

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Report Card

Federated Mortgage performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+14.5 bps above market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
347 loans · 0.12% above market
Sound
Top 60% of lenders
3/5
FHA
27 loans · 0.69% above market
Sound
Top 60% of lenders
3/5
VA
11 loans · 0.31% below market
Acceptable
Bottom 40% of lenders
2/5
By Loan Purpose· Transaction purpose mix
Purchase
291 loans · 0.17% above market
Sound
Top 60% of lenders
3/5
Refinance
97 loans · 0.07% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 5 markets
Sound
Top 60% of lenders
3/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Strong
Volume347
Mix89.4%
Spread
+0.120%Above
Fees
$601Fees
FHA Loans
Overall
Strong
Product
Sound
Pricing
Sound
Pull Through
Exceptional
Volume27
Mix7.0%
Spread
+0.691%Above
Fees
$2,301Fees
VA Loans
Overall
Acceptable
Product
Acceptable
Pricing—
Pull Through—
Volume11
Mix2.8%
Spread
-0.313%Below
Fees
$1,571Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Sound
Pricing
Strong
Pull Through
Strong
Volume291
Mix75.0%
Spread
+0.172%Above
Fees
$1,384Fees
Refinance
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Exceptional
Volume97
Mix25.0%
Spread
+0.070%Above
Fees
$1,123Credit

At a Glance

Lender Overview

Lending Activity
Loans Originated
388
Applications
388
Volume
$143 million
Pricing & Closing
Avg Rate Spread
+0.145%
vs. market APOR
Avg Net Fees
$717
Origination − Credits
Pullthrough Rate
100.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$370,335
Avg Borrower Income
$170,242
Avg Property Value
$478,995

Geographic Coverage

Geographic Performance

Metro Areas
5
markets with activity
States Served
12
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

12Full-year 2024 · HMDA
12 states with loan originations
Loans originated
< 1010–2020+None
Northeast2
NJPA
Midwest1
OH
South8
FLGAMDNCSCTNTXVA
West1
CA

Top Metro Areas by Place Specialization Score

1© Dan Gaken · CC BY 2.0
Pittsburgh, PAMetro
Volume 201Mix 51.80% of portfolio
84/100
Exceptional
2© Preservation Maryland · CC BY-SA 2.0
Frederick, MDMetro
Volume 34Mix 8.76% of portfolio
62/100
Strong
3© Andrew Parlette from Elkridge,MD, US · CC BY 2.0
Baltimore, MDMetro
Volume 38Mix 9.79% of portfolio
58/100
Sound
4© Billy Hathorn · CC BY-SA 3.0
Arlington, VA-WVMetro
Volume 22Mix 5.67% of portfolio
51/100
Sound
5© Dough4872 · Public domain
Montgomery County, PAMetro
Volume 11Mix 2.84% of portfolio
43/100
Sound

Top States by Place Specialization Score

Pennsylvania
Pennsylvania
1
PennsylvaniaState
Volume 220Mix 56.70% of portfolio
75/100
Strong
Maryland
Maryland
2
MarylandState
Volume 77Mix 19.85% of portfolio
63/100
Strong
Virginia
Virginia
3
VirginiaState
Volume 24Mix 6.19% of portfolio
49/100
Sound
New Jersey
New Jersey
4
New JerseyState
Volume 12Mix 3.09% of portfolio
41/100
Sound
North Carolina
North Carolina
5
North CarolinaState
Volume 12Mix 3.09% of portfolio
39/100
Acceptable
Texas
Texas
6
TexasState
Volume 15Mix 3.87% of portfolio
39/100
Acceptable
California
California
7
CaliforniaState
Volume 11Mix 2.84% of portfolio
38/100
Acceptable

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.