We analyzed every closed loan from First United Bank and Trust Company — 4.9k loans across 7k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Exceptional
5/5
Near-National · 10 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
USDA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
First United Bank and Trust Company performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+40.4 bps above market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
3,063 loans · 0.38% above market
Exceptional
Top 20% of lenders
5/5
FHA
1,008 loans · 0.71% above market
Exceptional
Top 20% of lenders
5/5
VA
529 loans · 0.14% below market
Exceptional
Top 20% of lenders
5/5
Jumbo
243 loans · 0.56% above market
Exceptional
Top 20% of lenders
5/5
USDA
39 loans · 0.36% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
4,501 loans · 0.39% above market
Exceptional
Top 20% of lenders
5/5
Refinance
381 loans · 0.57% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Near-National · 11 markets
Exceptional
Top 20% of lenders
5/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 3,063 | 62.7% | +0.376%Above | $2,030Fees | ||||
FHA Loans | 1,008 | 20.6% | +0.713%Above | $2,459Fees | ||||
VA Loans | 529 | 10.8% | -0.137%Below | $1,814Fees | ||||
Jumbo Loans | 243 | 5.0% | +0.556%Above | $1,857Fees | ||||
USDA Loans | 39 | 0.8% | +0.358%Above | $1,789Fees |
Conventional
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume3,063
Mix62.7%
Spread
+0.376%Above
Fees
$2,030Fees
FHA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume1,008
Mix20.6%
Spread
+0.713%Above
Fees
$2,459Fees
VA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume529
Mix10.8%
Spread
-0.137%Below
Fees
$1,814Fees
Jumbo Loans
OverallSound
ProductExceptional
PricingAcceptable
Pull ThroughSound
Volume243
Mix5.0%
Spread
+0.556%Above
Fees
$1,857Fees
USDA Loans
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume39
Mix0.8%
Spread
+0.358%Above
Fees
$1,789Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 4,501 | 92.2% | +0.389%Above | $2,047Fees | ||||
Refinance | 381 | 7.8% | +0.570%Above | $2,565Fees |
Purchase
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume4,501
Mix92.2%
Spread
+0.389%Above
Fees
$2,047Fees
Refinance
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume381
Mix7.8%
Spread
+0.570%Above
Fees
$2,565Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
4,882
Applications
7,158
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.404%
vs. market APOR
Avg Net Fees
$2,090
Origination − Credits
Pullthrough Rate
68.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$381,340
Avg Borrower Income
$174,529
Avg Property Value
$500,483
Geographic Coverage
Geographic Performance
Metro Areas
10
markets with activity
States Served
35
of 50 states + DC
Avg Place Specialization
Exceptional
5/5
States with Loan Originations
35Full-year 2024 · HMDALoans originated
< 2020–2,0002,000+None
Northeast5
CTMEMANJPA
Midwest8
ILKSMNMONEOHSDWI
South14
ALARDEFLGAKYLAMDMSNCOKSCTNTX
West8
AZCACONMNVORUTWA
Top Metro Areas by Place Specialization Score
6© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0Fort Worth, TXMetro
Volume 430Mix 8.81% of portfolio
85/100
Exceptional
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.