We analyzed every closed loan from Union Savings Bank — 4.5k loans across 6k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
Multi-Region · 12 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Champion
VA
Champion
Conventional
Superstar
Jumbo
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
Explore another lender or local market
Report Card
Union Savings Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+17.5 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
3,817 loans · 0.19% above market
Exceptional
Top 20% of lenders
5/5
FHA
441 loans · 0.27% above market
Strong
Top 40% of lenders
4/5
VA
161 loans · 0.48% below market
Strong
Top 40% of lenders
4/5
Jumbo
87 loans · 0.31% above market
Exceptional
Top 20% of lenders
5/5
USDA
32 loans · 0.13% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
3,562 loans · 0.20% above market
Exceptional
Top 20% of lenders
5/5
Refinance
976 loans · 0.09% above market
Exceptional
Top 20% of lenders
5/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 13 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 | 3,817 | 84.1% | +0.186%Above | $1,145Fees | ||||
FHA Loans | 441 | 9.7% | +0.270%Above | $63Credit | ||||
VA Loans | 161 | 3.5% | -0.483%Below | $371Fees | ||||
Jumbo Loans | 87 | 1.9% | +0.313%Above | $510Fees | ||||
USDA Loans | — | 32 | 0.7% | +0.131%Above | $954Fees |
Conventional
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume3,817
Mix84.1%
Spread
+0.186%Above
Fees
$1,145Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume441
Mix9.7%
Spread
+0.270%Above
Fees
$63Credit
VA Loans
OverallExceptional
ProductStrong
PricingExceptional
Pull ThroughExceptional
Volume161
Mix3.5%
Spread
-0.483%Below
Fees
$371Fees
Jumbo Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume87
Mix1.9%
Spread
+0.313%Above
Fees
$510Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume32
Mix0.7%
Spread
+0.131%Above
Fees
$954Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 3,562 | 78.5% | +0.201%Above | $1,002Fees | ||||
Refinance | 976 | 21.5% | +0.086%Above | $989Fees |
Purchase
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume3,562
Mix78.5%
Spread
+0.201%Above
Fees
$1,002Fees
Refinance
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughExceptional
Volume976
Mix21.5%
Spread
+0.086%Above
Fees
$989Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
4,538
Applications
5,890
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.175%
vs. market APOR
Avg Net Fees
$999
Origination − Credits
Pullthrough Rate
77.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$321,754
Avg Borrower Income
$146,846
Avg Property Value
$470,269
Geographic Coverage
Geographic Performance
Metro Areas
12
markets with activity
States Served
23
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
23Full-year 2024 · HMDALoans originated
< 2020–5050–100100–500500+None
Northeast2
NYPA
Midwest5
ILINMIOHWI
South11
ALFLGAKYMDNCOKSCTNVAWV
West5
AZCACONVOR
Top Metro Areas by Place Specialization Score
Showing 10 of 12 metro areas
Top States 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.