What loan types does Union Savings Bank offer?

Union Savings Bank offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does Union Savings Bank offer mortgages?

Union Savings Bank offers mortgages in 2 states: CT, NY.

How competitive are Union Savings Bank's mortgage rates?

Union Savings Bank has an overall pricing score of 74.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Union Savings Bank?

Union Savings Bank is a Bank headquartered in Danbury, CT.

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Union Savings Bank

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Union Savings Bank has 214 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

Strong

4/5

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

Jumbo

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Offers rates 26.00 basis points below market average
Lower than average lender fees
Strong pull through performance

Explore another lender or local market

Report Card

Union Savings Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

Rates 26.0 bps below market avg

4/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

174 loans · 0.24% below market

Sound

Top 60% of lenders

3/5

Jumbo

38 loans · 0.38% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

172 loans · 0.26% below market

Sound

Top 60% of lenders

3/5

Refinance

42 loans · 0.28% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 4 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Sound	Strong	Sound	174	81.3%	-0.243%Below	$988Fees
Jumbo Loans	Strong	Strong	Strong	Strong	38	17.8%	-0.377%Below	$1,419Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume174

Mix81.3%

Spread

-0.243%Below

Fees

$988Fees

Jumbo Loans

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Strong

Volume38

Mix17.8%

Spread

-0.377%Below

Fees

$1,419Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Strong	Sound	172	80.4%	-0.255%Below	$979Fees
Refinance	Strong	Sound	Strong	Strong	42	19.6%	-0.279%Below	$1,354Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume172

Mix80.4%

Spread

-0.255%Below

Fees

$979Fees

Refinance

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Strong

Volume42

Mix19.6%

Spread

-0.279%Below

Fees

$1,354Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

214

Applications

285

Volume

$113 million

Pricing & Closing

Avg Rate Spread

-0.260%

vs. market APOR

Avg Net Fees

$1,056

Origination − Credits

Pullthrough Rate

75.1%

Applications → Closed

Typical Borrower

Avg Loan Amount

$532,336

Avg Borrower Income

$207,734

Avg Property Value

$872,944

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

Northeast2

CTNY

Top Metro Areas by Place Specialization Score

Bridgeport, CTMetro

Volume 139Mix 64.95% of portfolio

88/100

Exceptional

Waterbury, CTMetro

Volume 30Mix 14.02% of portfolio

64/100

Strong

Hartford, CTMetro

Volume 16Mix 7.48% of portfolio

50/100

Sound

Top States by Place Specialization Score

ConnecticutState

Volume 209Mix 97.66% of portfolio

80/100

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.