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West Penn Financial Service Center

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

We analyzed every closed loan from West Penn Financial Service Center — 800 loans across 932 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Regional · 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

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in Conventional and FHA and VA loans

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Report Card

West Penn Financial Service Center performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+30.5 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
640 loans · 0.24% above market
Strong
Top 40% of lenders
4/5
FHA
110 loans · 0.67% above market
Strong
Top 40% of lenders
4/5
VA
43 loans · 0.10% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
791 loans · 0.30% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Regional · 6 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume640
Mix80.0%
Spread
+0.245%Above
Fees
$2,043Fees
FHA Loans
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume110
Mix13.8%
Spread
+0.674%Above
Fees
$1,429Fees
VA Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through
Strong
Volume43
Mix5.4%
Spread
+0.105%Above
Fees
$2,690Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume791
Mix98.9%
Spread
+0.302%Above
Fees
$1,961Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
800
Applications
932
Volume
$168 million
Pricing & Closing
Avg Rate Spread
+0.305%
vs. market APOR
Avg Net Fees
$1,969
Origination − Credits
Pullthrough Rate
85.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$210,088
Avg Borrower Income
$102,698
Avg Property Value
$250,425

Geographic Coverage

Geographic Performance

Metro Areas
5
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

2Full-year 2024 · HMDA
2 states with loan originations
Loans originated
< 200200+None
Northeast1
PA
Midwest1
OH

Top Metro Areas by Place Specialization Score

1© Dan Gaken · CC BY 2.0
Pittsburgh, PAMetro
Volume 567Mix 70.88% of portfolio
96/100
Exceptional
2© Dblcut3 · CC BY-SA 4.0
Youngstown, OHMetro
Volume 82Mix 10.25% of portfolio
73/100
Strong
3© w_lemay · CC BY-SA 2.0
Akron, OHMetro
Volume 42Mix 5.25% of portfolio
63/100
Strong
4© Warren LeMay from Cincinnati, OH, United States · CC0
Cleveland, OHMetro
Volume 35Mix 4.38% of portfolio
56/100
Sound
5© WeaponizingArchitecture · CC BY-SA 4.0
Canton, OHMetro
Volume 12Mix 1.50% of portfolio
44/100
Sound

Top States by Place Specialization Score

Pennsylvania
Pennsylvania
1
PennsylvaniaState
Volume 610Mix 76.25% of portfolio
85/100
Exceptional
Ohio
Ohio
2
OhioState
Volume 190Mix 23.75% of portfolio
69/100
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
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.