United Northern Mortgage Bankers Limited
We analyzed every closed loan from United Northern Mortgage Bankers Limited — 836 loans across 1k 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
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Sound
3/5
Multi-Region · 8 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA loans
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
United Northern Mortgage Bankers Limited performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+33.9 bps above market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
631 loans · 0.27% above market
Strong
Top 40% of lenders
4/5
FHA
189 loans · 0.66% above market
Strong
Top 40% of lenders
4/5
VA
15 loans · 0.00% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
769 loans · 0.35% above market
Strong
Top 40% of lenders
4/5
Refinance
67 loans · 0.22% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 9 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 | 631 | 75.5% | +0.268%Above | $3,516Fees | ||||
FHA Loans | 189 | 22.6% | +0.657%Above | $4,549Fees | ||||
VA Loans | — | 15 | 1.8% | +0.003%Above | $3,626Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume631
Mix75.5%
Spread
+0.268%Above
Fees
$3,516Fees
FHA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume189
Mix22.6%
Spread
+0.657%Above
Fees
$4,549Fees
VA Loans
OverallStrong
ProductSound
Pricing—
Pull ThroughStrong
Volume15
Mix1.8%
Spread
+0.003%Above
Fees
$3,626Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 769 | 92.0% | +0.349%Above | $3,684Fees | ||||
Refinance | 67 | 8.0% | +0.218%Above | $4,138Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume769
Mix92.0%
Spread
+0.349%Above
Fees
$3,684Fees
Refinance
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughSound
Volume67
Mix8.0%
Spread
+0.218%Above
Fees
$4,138Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
836
Applications
1,171
Volume
$380 million
Pricing & Closing
Avg Rate Spread
+0.339%
vs. market APOR
Avg Net Fees
$3,719
Origination − Credits
Pullthrough Rate
71.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$454,653
Avg Borrower Income
$152,748
Avg Property Value
$562,081
Geographic Coverage
Geographic Performance
Metro Areas
8
markets with activity
States Served
12
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
12Full-year 2024 · HMDALoans originated
< 2020–5050+None
Northeast4
CTNJNYPA
Midwest1
IL
South7
ALFLGANCSCTNTX
Top Metro Areas by Place Specialization Score
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.