We analyzed every closed loan from United Bank — 2.2k loans across 3k 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
Strong
4/5
FHA · Conventional · VA · Jumbo · USDA
Place
Sound
3/5
Multi-Region · 21 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
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
United Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+5.7 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
1,791 loans · 0.06% above market
Strong
Top 40% of lenders
4/5
FHA
213 loans · 0.32% above market
Strong
Top 40% of lenders
4/5
VA
118 loans · 0.52% below market
Strong
Top 40% of lenders
4/5
Jumbo
80 loans · 0.09% above market
Strong
Top 40% of lenders
4/5
USDA
20 loans · 0.12% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
1,986 loans · 0.06% above market
Strong
Top 40% of lenders
4/5
Refinance
236 loans · 0.00% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 22 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 | 1,791 | 80.6% | +0.063%Above | $2,010Fees | ||||
FHA Loans | 213 | 9.6% | +0.323%Above | $2,296Fees | ||||
VA Loans | 118 | 5.3% | -0.522%Below | $2,126Fees | ||||
Jumbo Loans | 80 | 3.6% | +0.086%Above | $1,575Fees | ||||
USDA Loans | — | 20 | 0.9% | -0.120%Below | $1,891Fees |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume1,791
Mix80.6%
Spread
+0.063%Above
Fees
$2,010Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume213
Mix9.6%
Spread
+0.323%Above
Fees
$2,296Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume118
Mix5.3%
Spread
-0.522%Below
Fees
$2,126Fees
Jumbo Loans
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume80
Mix3.6%
Spread
+0.086%Above
Fees
$1,575Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume20
Mix0.9%
Spread
-0.120%Below
Fees
$1,891Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,986 | 89.4% | +0.063%Above | $2,111Fees | ||||
Refinance | 236 | 10.6% | +0.001%Above | $1,312Fees |
Purchase
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume1,986
Mix89.4%
Spread
+0.063%Above
Fees
$2,111Fees
Refinance
OverallSound
ProductStrong
PricingSound
Pull ThroughStrong
Volume236
Mix10.6%
Spread
+0.001%Above
Fees
$1,312Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,222
Applications
2,933
Volume
$915 million
Pricing & Closing
Avg Rate Spread
+0.057%
vs. market APOR
Avg Net Fees
$2,034
Origination − Credits
Pullthrough Rate
75.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$411,823
Avg Borrower Income
$163,059
Avg Property Value
$530,212
Geographic Coverage
Geographic Performance
Metro Areas
21
markets with activity
States Served
14
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
14Full-year 2024 · HMDALoans originated
< 2020–100100–200200+None
Northeast1
PA
Midwest2
INOH
South11
DCDEFLGAKYMDNCSCTNVAWV
Top Metro Areas by Place Specialization Score
Showing 10 of 21 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.