Howard Hanna Financial Services Mortgage Rates, Fees & Info
PITTSBURGH, PALEI: 549300157R33LDICP344
Tax ID: 25-1447459
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Mortgage Data
Review & Overview
Howard Hanna Financial Services is a smaller mortgage company specializing in Home Purchase loans. Howard Hanna Financial Services has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Cleveland, Pittsburgh, Charlotte, Akron, and Asheville among others. We have data for 96 markets. (Some data included below & more in-depth data is available with an active subscription.)Howard Hanna Financial Services has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Howard Hanna Financial Services is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.61% | 11/17/24 |
| 30 Year Conventional Refi | 6.62% | 11/17/24 |
| 30 Year Cash-out Refi | 6.78% | 11/17/24 |
| 30 Year FHA Purchase | 7.50% | 11/17/24 |
| 30 Year FHA Refi | 6.27% | 11/17/24 |
| 30 Year VA Purchase | 6.43% | 11/17/24 |
| 30 Year USDA Purchase | 6.95% | 11/17/24 |
| 15 Year Conventional Purchase | 5.89% | 11/17/24 |
| 15 Year Conventional Refi | 5.79% | 11/17/24 |
| 15 Year Cash-out Refi | 5.79% | 11/17/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Howard Hanna Financial Services Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Howard Hanna Financial Services. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
3,492Origination Dollar Volume (All Markets)
$881,120,000Awards
HOWARD HANNA FINANCIAL SERVICES - 2023
HOWARD HANNA FINANCIAL SERVICES is a 2023 , due to their low .
For 2023, less than of lenders were eligible for this award.
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Relative Rate
Howard Hanna Financial Services's average 30 year fixed mortgage rate was
6.73%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of 0.25%.
Relative Fees (Closing Costs)
Howard Hanna Financial Services's average total fees/closing costs for a 30 year fixed rate
mortgage were $5,557.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $9,089.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 875 | $210,075,000 | $240,086 | $5,305 | 6.73% |
| PITTSBURGH, PA (FHA|USDA|VA) | 819 | $199,305,000 | $243,352 | $5,962 | 6.64% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 232 | $79,160,000 | $341,207 | $5,032 | 6.88% |
| AKRON, OH (FHA|USDA|VA) | 280 | $62,750,000 | $224,107 | $4,837 | 6.68% |
| ASHEVILLE, NC (FHA|USDA|VA) | 157 | $55,175,000 | $351,433 | $5,288 | 6.67% |
| COLUMBUS, OH (FHA|USDA|VA) | 142 | $39,150,000 | $275,704 | $6,193 | 6.81% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 53 | $21,985,000 | $414,811 | $4,404 | 6.76% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 100 | $18,310,000 | $183,100 | $4,893 | 6.53% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 53 | $15,995,000 | $301,792 | $5,290 | 6.84% |
| ERIE, PA (FHA|USDA|VA) | 69 | $11,625,000 | $168,478 | $5,316 | 6.59% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 49 | $10,895,000 | $222,347 | $6,850 | 6.71% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 40 | $10,820,000 | $270,500 | $6,129 | 6.76% |
| Outside of Metro Areas | 33 | $10,235,000 | $310,152 | $6,727 | 6.86% |
| New Castle, PA (FHA|USDA|VA) | 59 | $9,855,000 | $167,034 | $5,370 | 6.50% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 42 | $9,140,000 | $217,619 | $5,237 | 6.83% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 38 | $7,980,000 | $210,000 | $5,180 | 6.85% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 34 | $7,750,000 | $227,941 | $5,979 | 6.70% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 38 | $7,420,000 | $195,263 | $7,147 | 6.75% |
| ANN ARBOR, MI (FHA|USDA|VA) | 20 | $7,350,000 | $367,500 | $6,108 | 6.84% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 17 | $6,955,000 | $409,118 | $5,373 | 7.03% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 23 | $6,645,000 | $288,913 | $5,660 | 6.57% |
| LANCASTER, PA (FHA|USDA|VA) | 18 | $4,950,000 | $275,000 | $6,288 | 6.69% |
| TOLEDO, OH (FHA|USDA|VA) | 23 | $4,645,000 | $201,957 | $5,415 | 6.75% |
| Wooster, OH (FHA|USDA|VA) | 16 | $3,120,000 | $195,000 | $4,892 | 6.74% |
| Brevard, NC (FHA|USDA|VA) | 10 | $3,090,000 | $309,000 | $5,915 | 6.83% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 7 | $2,965,000 | $423,571 | $7,693 | 6.54% |
| Adrian, MI (FHA|USDA|VA) | 18 | $2,870,000 | $159,444 | $4,564 | 6.63% |
| Ashtabula, OH (FHA|USDA|VA) | 11 | $2,345,000 | $213,182 | $5,158 | 6.69% |
| Boone, NC (FHA|USDA|VA) | 7 | $2,235,000 | $319,286 | $6,177 | 7.26% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 10 | $2,070,000 | $207,000 | $6,193 | 6.73% |
| BURLINGTON, NC (FHA|USDA|VA) | 6 | $2,000,000 | $333,333 | $5,819 | 6.91% |
| Ashland, OH (FHA|USDA|VA) | 9 | $1,985,000 | $220,556 | $4,830 | 7.00% |
| MONROE, MI (FHA|USDA|VA) | 10 | $1,940,000 | $194,000 | $5,129 | 6.10% |
| SPARTANBURG, SC (FHA|USDA|VA) | 9 | $1,855,000 | $206,111 | $4,288 | 6.67% |
| Seneca, SC (FHA|USDA|VA) | 6 | $1,810,000 | $301,667 | $6,368 | 7.21% |
| Sandusky, OH (FHA|USDA|VA) | 8 | $1,590,000 | $198,750 | $4,969 | 6.77% |
| Forest City, NC (FHA|USDA|VA) | 5 | $1,575,000 | $315,000 | $9,449 | 7.40% |
| JACKSON, MI (FHA|USDA|VA) | 9 | $1,535,000 | $170,556 | $5,172 | 6.60% |
| LEBANON, PA (FHA|USDA|VA) | 7 | $1,525,000 | $217,857 | $6,709 | 6.79% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 5 | $1,525,000 | $305,000 | $5,884 | 6.55% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 8 | $1,370,000 | $171,250 | $5,214 | 6.85% |
| Cullowhee, NC (FHA|USDA|VA) | 4 | $1,340,000 | $335,000 | $7,965 | 6.81% |
| Salem, OH (FHA|USDA|VA) | 8 | $1,250,000 | $156,250 | $5,001 | 6.45% |
| GETTYSBURG, PA (FHA|USDA|VA) | 4 | $1,240,000 | $310,000 | $10,157 | 6.94% |
| Mount Vernon, OH (FHA|USDA|VA) | 4 | $1,210,000 | $302,500 | $8,707 | 6.55% |
| Somerset, PA (FHA|USDA|VA) | 4 | $1,060,000 | $265,000 | $6,991 | 6.73% |
| Meadville, PA (FHA|USDA|VA) | 6 | $1,010,000 | $168,333 | $7,505 | 6.38% |
| Marion, NC (FHA|USDA|VA) | 5 | $995,000 | $199,000 | $7,270 | 6.60% |
| Warren, PA (FHA|USDA|VA) | 4 | $770,000 | $192,500 | $5,798 | 6.30% |
| MANSFIELD, OH (FHA|USDA|VA) | 5 | $765,000 | $153,000 | $4,339 | 6.95% |
| Urbana, OH (FHA|USDA|VA) | 4 | $760,000 | $190,000 | $5,013 | 7.05% |
| Defiance, OH (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $4,171 | 6.62% |
| Shelby, NC (FHA|USDA|VA) | 4 | $710,000 | $177,500 | $4,049 | 6.56% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $3,076 | 6.96% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $4,566 | 6.81% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $4,673 | 6.50% |
| Bellefontaine, OH (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $9,279 | 6.71% |
| Washington Court House, OH (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $5,650 | 6.45% |
| New Philadelphia-Dover, OH (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $5,083 | 7.14% |
| LIMA, OH (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $9,379 | 6.38% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $4,952 | 6.63% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $5,063 | 6.94% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $4,083 | 6.05% |
| Oil City, PA (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $5,140 | 6.17% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $9,043 | 7.63% |
| Norwalk, OH (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $3,649 | 6.52% |
| Fremont, OH (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $3,703 | 6.38% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $21,111 | 6.13% |
| Greenville, OH (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $5,249 | 7.75% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $9,015 | 7.63% |
| Wilmington, OH (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,763 | 5.78% |
| Gaffney, SC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,936 | 7.13% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $10,306 | 7.00% |
| Wapakoneta, OH (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $6,718 | 8.00% |
| Union, SC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,249 | 6.50% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $7,178 | 7.00% |
| GOLDSBORO, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,135 | 6.05% |
| Coldwater, MI (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $5,879 | 7.13% |
| READING, PA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $9,464 | 7.00% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,200 | 6.63% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,408 | 6.63% |
| Orangeburg, SC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,474 | 7.13% |
| Pottsville, PA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,151 | 6.50% |
| JOHNSTOWN, PA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $9,775 | 6.75% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,571 | 7.28% |
| Sturgis, MI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $8,247 | 5.88% |
| Albemarle, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,917 | 6.88% |
| Coshocton, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,833 | 6.50% |
| Marion, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,013 | 8.38% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,442 | 6.13% |
| Sidney, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,930 | 7.25% |
| Rockingham, NC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,422 | 6.88% |
| Indiana, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,935 | 5.89% |
| Bradford, PA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,096 | 6.63% |
| WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,913 | 6.88% |
| Zanesville, OH (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,186 | 6.38% |
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Product Mix
For 2023, Howard Hanna Financial Services's most frequently originated type of loan was Conventional, with 2,899 originations. Their 2nd most popular type was FHA, with 429 originations.
Loan Reason
For 2023, Howard Hanna Financial Services's most frequently cited loan purpose was Home Purchase, with 3,451 originations. The 2nd most popular reason was Other, with 14 originations.
Loan Duration/Length
For 2023, Howard Hanna Financial Services's most frequently cited loan duration was 30 Year, with 3,375 originations. The 2nd most popular length was 15 Year, with 107 originations.
Origination Fees/Closing Costs
Howard Hanna Financial Services's average total fees were $5,557, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,259 originations.
Interest Rates
During 2023, Howard Hanna Financial Services's average interest rate for loans was 6.73%, while their most frequently originated rate bucket for loans was 6-7%, with 2,087 originations.
Loan Sizing
2023 saw Howard Hanna Financial Services place emphasis on $200k-400k loans with 1,579 originations, totaling $440,685,000 in origination value.
Applicant Income
Howard Hanna Financial Services lent most frequently to those with incomes in the $50k-75k range, with 806 originations. The second most popular income band? $100k-150k, with 791 originations.
Applicant Debt to Income Ratio
Howard Hanna Financial Services lent most frequently to those with DTI ratios of 30-36%, with 675 originations. The next most common DTI ratio? 20-30%, with 634 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.89%
Howard Hanna Financial Services has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination77.61%
Howard Hanna Financial Services has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 3,492 | $881,120,000 | $252,325 |