We analyzed every closed loan from United Community Bank — 2.4k loans across 4k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Sound
3/5
Multi-Region · 31 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
USDA
Superstar
Summary
What They Do Well
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
United Community Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+40.5 bps above market avg
2/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
1,774 loans · 0.42% above market
Exceptional
Top 20% of lenders
5/5
FHA
417 loans · 0.53% above market
Strong
Top 40% of lenders
4/5
VA
89 loans · 0.49% below market
Strong
Top 40% of lenders
4/5
Jumbo
66 loans · 0.32% above market
Strong
Top 40% of lenders
4/5
USDA
45 loans · 0.02% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
2,008 loans · 0.38% above market
Strong
Top 40% of lenders
4/5
Refinance
383 loans · 0.49% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 32 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 | 1,774 | 74.2% | +0.422%Above | $2,330Fees | ||||
FHA Loans | 417 | 17.4% | +0.527%Above | $2,368Fees | ||||
VA Loans | 89 | 3.7% | -0.490%Below | $1,757Fees | ||||
Jumbo Loans | 66 | 2.8% | +0.322%Above | $2,022Fees | ||||
USDA Loans | 45 | 1.9% | +0.016%Above | $2,074Fees |
Conventional
OverallSound
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume1,774
Mix74.2%
Spread
+0.422%Above
Fees
$2,330Fees
FHA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume417
Mix17.4%
Spread
+0.527%Above
Fees
$2,368Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume89
Mix3.7%
Spread
-0.490%Below
Fees
$1,757Fees
Jumbo Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume66
Mix2.8%
Spread
+0.322%Above
Fees
$2,022Fees
USDA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume45
Mix1.9%
Spread
+0.016%Above
Fees
$2,074Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,008 | 84.0% | +0.384%Above | $2,332Fees | ||||
Refinance | 383 | 16.0% | +0.491%Above | $2,212Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume2,008
Mix84.0%
Spread
+0.384%Above
Fees
$2,332Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume383
Mix16.0%
Spread
+0.491%Above
Fees
$2,212Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,391
Applications
3,745
Volume
$832 million
Pricing & Closing
Avg Rate Spread
+0.405%
vs. market APOR
Avg Net Fees
$2,309
Origination − Credits
Pullthrough Rate
63.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$348,338
Avg Borrower Income
$173,364
Avg Property Value
$493,766
Geographic Coverage
Geographic Performance
Metro Areas
31
markets with activity
States Served
8
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
8Full-year 2024 · HMDALoans originated
< 200200–500500+None
South8
ALFLGAKYNCSCTNVA
Top Metro Areas by Place Specialization Score
Showing 10 of 31 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.