We analyzed every closed loan from Union Bank and Trust Company — 615 loans across 790 applications— and benchmarked them against peer lenders 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
FHA · Conventional · VA
Place
Strong
4/5
Multi-Region · 3 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Champion
FHA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Offers rates 6.40 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA loans
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Report Card
Union Bank and Trust Company performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 6.4 bps below market avg
5/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
546 loans · 0.08% below market
Strong
Top 40% of lenders
4/5
FHA
43 loans · 0.29% above market
Strong
Top 40% of lenders
4/5
VA
17 loans · 0.43% below market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
563 loans · 0.07% below market
Strong
Top 40% of lenders
4/5
Refinance
52 loans · 0.04% below market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 4 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 | 546 | 88.8% | -0.078%Below | $1,061Fees | ||||
FHA Loans | 43 | 7.0% | +0.287%Above | $1,227Fees | ||||
VA Loans | — | — | 17 | 2.8% | -0.426%Below | $847Fees |
Conventional
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume546
Mix88.8%
Spread
-0.078%Below
Fees
$1,061Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume43
Mix7.0%
Spread
+0.287%Above
Fees
$1,227Fees
VA Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume17
Mix2.8%
Spread
-0.426%Below
Fees
$847Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 563 | 91.5% | -0.067%Below | $1,066Fees | ||||
Refinance | 52 | 8.5% | -0.038%Below | $1,071Fees |
Purchase
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume563
Mix91.5%
Spread
-0.067%Below
Fees
$1,066Fees
Refinance
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume52
Mix8.5%
Spread
-0.038%Below
Fees
$1,071Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
615
Applications
790
Volume
$192 million
Pricing & Closing
Avg Rate Spread
-0.064%
vs. market APOR
Avg Net Fees
$1,067
Origination − Credits
Pullthrough Rate
77.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$312,707
Avg Borrower Income
$146,577
Avg Property Value
$435,829
Geographic Coverage
Geographic Performance
Metro Areas
3
markets with activity
States Served
10
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
10Full-year 2024 · HMDALoans originated
< 500500+None
Midwest5
IAKSMNMONE
South2
KYTX
West3
AZCOUT
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.