What loan types does State Financial Network offer?

State Financial Network offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does State Financial Network offer mortgages?

State Financial Network offers mortgages in 4 states: DE, MD, NJ, PA.

How competitive are State Financial Network's mortgage rates?

State Financial Network has an overall pricing score of 79.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is State Financial Network?

State Financial Network is a Independent Mortgage Company headquartered in Broomall, PA.

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State Financial Network

Independent Mortgage Company•Broomall, PAHQ•Wholesale•Reviews near you on Google

State Financial Network has 171 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Regional · 4 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Refinance

Superstar

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees

Explore another lender or local market

Report Card

State Financial Network performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+17.7 bps above market avg

4/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

171 loans · 0.18% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

151 loans · 0.20% above market

Sound

Top 60% of lenders

3/5

Refinance

20 loans · 0.03% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Regional · 5 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Strong	Sound	171	100.0%	+0.177%Above	$739Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume171

Mix100.0%

Spread

+0.177%Above

Fees

$739Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Strong	Sound	151	88.3%	+0.197%Above	$758Fees
Refinance	Strong	Acceptable	Exceptional	Strong	20	11.7%	+0.026%Above	$593Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume151

Mix88.3%

Spread

+0.197%Above

Fees

$758Fees

Refinance

Overall

Strong

Product

Acceptable

Pricing

Exceptional

Pull Through

Strong

Volume20

Mix11.7%

Spread

+0.026%Above

Fees

$593Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

171

Applications

192

Volume

$44 million

Pricing & Closing

Avg Rate Spread

+0.177%

vs. market APOR

Avg Net Fees

$739

Origination − Credits

Pullthrough Rate

89.1%

Applications → Closed

Typical Borrower

Avg Loan Amount

$257,515

Avg Borrower Income

$127,977

Avg Property Value

$341,023

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

4Full-year 2024 · HMDA

Loans originated

All statesNone

Northeast2

NJPA

South2

DEMD

Top Metro Areas by Place Specialization Score

Pittsburgh, PAMetro

Volume 56Mix 32.75% of portfolio

68/100

Strong

Philadelphia, PAMetro

Volume 50Mix 29.24% of portfolio

68/100

Strong

Montgomery County, PAMetro

Volume 26Mix 15.20% of portfolio

58/100

Sound

Reading, PAMetro

Volume 13Mix 7.60% of portfolio

49/100

Sound

Top States by Place Specialization Score

PennsylvaniaState

Volume 155Mix 90.64% of portfolio

74/100

Strong

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.