Howard Hanna Financial Services
We analyzed every closed loan from Howard Hanna Financial Services — 4.1k loans across 5k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
Multi-Region · 27 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Howard Hanna Financial Services performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+30.2 bps above market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
3,290 loans · 0.29% above market
Exceptional
Top 20% of lenders
5/5
FHA
511 loans · 0.59% above market
Strong
Top 40% of lenders
4/5
VA
191 loans · 0.38% below market
Strong
Top 40% of lenders
4/5
Jumbo
40 loans · 0.46% above market
Strong
Top 40% of lenders
4/5
USDA
28 loans · 0.10% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
4,008 loans · 0.30% above market
Exceptional
Top 20% of lenders
5/5
Refinance
52 loans · 0.33% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 28 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 3,290 | 81.0% | +0.294%Above | $2,318Fees | ||||
FHA Loans | 511 | 12.6% | +0.592%Above | $2,261Fees | ||||
VA Loans | 191 | 4.7% | -0.381%Below | $1,833Fees | ||||
Jumbo Loans | 40 | 1.0% | +0.460%Above | $2,498Fees | ||||
USDA Loans | — | 28 | 0.7% | +0.100%Above | $1,575Fees |
Conventional
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume3,290
Mix81.0%
Spread
+0.294%Above
Fees
$2,318Fees
FHA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume511
Mix12.6%
Spread
+0.592%Above
Fees
$2,261Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume191
Mix4.7%
Spread
-0.381%Below
Fees
$1,833Fees
Jumbo Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume40
Mix1.0%
Spread
+0.460%Above
Fees
$2,498Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughSound
Volume28
Mix0.7%
Spread
+0.100%Above
Fees
$1,575Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 4,008 | 98.7% | +0.302%Above | $2,295Fees | ||||
Refinance | 52 | 1.3% | +0.325%Above | $2,004Fees |
Purchase
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume4,008
Mix98.7%
Spread
+0.302%Above
Fees
$2,295Fees
Refinance
OverallAcceptable
ProductAcceptable
PricingAcceptable
Pull ThroughAcceptable
Volume52
Mix1.3%
Spread
+0.325%Above
Fees
$2,004Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
4,060
Applications
5,039
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.302%
vs. market APOR
Avg Net Fees
$2,291
Origination − Credits
Pullthrough Rate
80.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$273,581
Avg Borrower Income
$129,458
Avg Property Value
$346,379
Geographic Coverage
Geographic Performance
Metro Areas
27
markets with activity
States Served
6
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
6Full-year 2024 · HMDALoans originated
< 200200–1,0001,000+None
Northeast1
PA
Midwest3
INMIOH
South2
NCSC
Top Metro Areas by Place Specialization Score
Showing 10 of 27 metro areas
Top States by Place Specialization Score
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(80%+ = 40-50 points)
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.