UniBank for Savings has 230 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
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Strong
4/5
Regional · 3 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Offers rates 34.60 basis points below market average
- Lower than average lender fees
- Strong pull through performance
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Report Card
UniBank for Savings performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 34.6 bps below market avg
5/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
208 loans · 0.34% below market
Sound
Top 60% of lenders
3/5
Jumbo
22 loans · 0.41% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
184 loans · 0.32% below market
Sound
Top 60% of lenders
3/5
Refinance
46 loans · 0.48% below 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 | 208 | 90.4% | -0.341%Below | $70Fees | ||||
Jumbo Loans | — | 22 | 9.6% | -0.405%Below | $214Fees |
Conventional
OverallStrong
ProductSound
PricingExceptional
Pull ThroughSound
Volume208
Mix90.4%
Spread
-0.341%Below
Fees
$70Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume22
Mix9.6%
Spread
-0.405%Below
Fees
$214Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 184 | 80.0% | -0.316%Below | $113Fees | ||||
Refinance | 46 | 20.0% | -0.480%Below | $61Credit |
Purchase
OverallStrong
ProductSound
PricingExceptional
Pull ThroughSound
Volume184
Mix80.0%
Spread
-0.316%Below
Fees
$113Fees
Refinance
OverallStrong
ProductSound
PricingExceptional
Pull ThroughStrong
Volume46
Mix20.0%
Spread
-0.480%Below
Fees
$61Credit
At a Glance
Lender Overview
Lending Activity
Loans Originated
230
Applications
316
Volume
$120 million
Pricing & Closing
Avg Rate Spread
-0.346%
vs. market APOR
Avg Net Fees
$81
Origination − Credits
Pullthrough Rate
72.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$522,348
Avg Borrower Income
$246,752
Avg Property Value
$779,826
Geographic Coverage
Geographic Performance
Metro Areas
3
markets with activity
States Served
5
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
5Full-year 2024 · HMDALoans originated
< 200200+None
Northeast5
CTMEMANHRI
Top Metro Areas by Place Specialization Score
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.