Applications / Mortgage Analytics / Lenders / Pennsylvania / West Penn Financial Service Center
Wexford, PA · Independent non-bank lender · CFPB · 712 loans in 2025
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712
loans originated, 2025
823
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
West Penn Financial Service Center, a non-bank lender in Wexford, Pennsylvania, makes almost nothing but home-purchase loans, smaller ones than most rivals make.
Purchases made up 98.5% of its 712 loans in 2025. Its typical loan was $205,000, against $330,000 at similar lenders (independent non-bank lenders making between half and twice as many loans), smaller than about nine in ten of them. Low- and moderate-income (LMI) borrowers took 41.0% of its loans, against 24.6% at its peers.
Its loans fell 11% in 2025, while similar lenders grew 2% and the whole market 10%. They have fallen every year since 2020, when it made 2,043. In Pittsburgh, its largest market and one it has served since 1993, it ranked 24 of 571 lenders, but its share slipped from 1.3% to 1.0%. Whether it chose to lend less or lost buyers to bigger rivals, led there by PNC Bank and Rocket Mortgage, the figures do not say.
Only 2.8% of its loans went to majority-minority neighborhoods, against 25.1% at similar lenders, lower than all but a few of them. The mix of neighborhoods in the markets it serves, chiefly Pittsburgh and nearby Ohio cities, is one possible explanation.
Higher-priced loans (a rate well above the average for similar loans) were 0.3% of its lending, against 1.6% at peers, and its typical rate of 6.50% matched theirs. It turned down 2.7% of decided first-lien purchase applications on owner-occupied homes, close to the 3.1% at similar lenders.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. West Penn Financial Service Center took 823 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 98.5% · Refinance 1.5%
Conventional 80.5% · FHA 12.8% · VA 5.8% · USDA (RHS or FSA) 1.0% · of 712 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Pennsylvania | 528 | 74.2% |
| Ohio | 184 | 25.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Pittsburgh | 487 |
| Youngstown-Warren | 70 |
| Akron | 56 |
| Cleveland | 30 |
| Canton-Massillon | 10 |
| Johnstown | 2 |
| Columbus | 1 |
| Philadelphia | 1 |
| Springfield | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930080F7BZFCWNV450 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3886522 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 74264709990 | 1993–2017 |
Established 28 March 1983. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: West Penn Financial Service Center's data.
West Penn Financial Service Center's data
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West Penn Financial Service Center and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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