What loan types does First United Bank offer?

First United Bank offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing score and performance metrics.

Where does First United Bank offer mortgages?

First United Bank offers mortgages in 2 states: OK, TX.

How competitive are First United Bank's mortgage rates?

First United Bank has an overall pricing score of 55.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is First United Bank?

First United Bank is a Bank headquartered in Dimmitt, TX.

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First United Bank

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First United Bank has 263 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

Sound

3/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

FHA · Conventional · VA

Place

Strong

4/5

Regional · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

FHA

Superstar

Purchase

Superstar

Explore another lender or local market

Report Card

First United Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+25.9 bps above market avg

3/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

193 loans · 0.28% above market

Sound

Top 60% of lenders

3/5

FHA

54 loans · 0.29% above market

Strong

Top 40% of lenders

4/5

12 loans · 0.45% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

222 loans · 0.20% above market

Sound

Top 60% of lenders

3/5

Refinance

41 loans · 0.51% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 3 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	Strong	Sound	Sound	Strong	193	73.4%	+0.283%Above	$2,056Fees
FHA Loans	Strong	Strong	Strong	Exceptional	54	20.5%	+0.292%Above	$1,771Fees
VA Loans	Sound	Sound	—	—	12	4.6%	-0.449%Below	$3,254Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Sound

Pull Through

Strong

Volume193

Mix73.4%

Spread

+0.283%Above

Fees

$2,056Fees

FHA Loans

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Exceptional

Volume54

Mix20.5%

Spread

+0.292%Above

Fees

$1,771Fees

VA Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through—

Volume12

Mix4.6%

Spread

-0.449%Below

Fees

$3,254Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	Strong	Strong	222	84.4%	+0.200%Above	$1,887Fees
Refinance	Sound	Sound	Acceptable	Exceptional	41	15.6%	+0.514%Above	$2,720Fees

Purchase

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Strong

Volume222

Mix84.4%

Spread

+0.200%Above

Fees

$1,887Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Exceptional

Volume41

Mix15.6%

Spread

+0.514%Above

Fees

$2,720Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

263

Applications

312

Volume

$67 million

Pricing & Closing

Avg Rate Spread

+0.259%

vs. market APOR

Avg Net Fees

$2,044

Origination − Credits

Pullthrough Rate

84.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$257,471

Avg Borrower Income

$144,532

Avg Property Value

$332,186

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

2Full-year 2024 · HMDA

Loans originated

< 200200+None

South2

OKTX

Top Metro Areas by Place Specialization Score

Amarillo, TXMetro

Volume 88Mix 33.46% of portfolio

75/100

Strong

Lubbock, TXMetro

Volume 78Mix 29.66% of portfolio

73/100

Strong

Top States by Place Specialization Score

TexasState

Volume 260Mix 98.86% of portfolio

73/100

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.