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United Premier Funding

Independent Mortgage Company•Duluth, GAHQ•Direct•Reviews near you on Google

United Premier Funding has 78 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Acceptable
2/5
Conventional
Place
Sound
3/5
Multi-Region · 1 mkts
Promptness
Not enough data
—/5
No quote responses measured yet

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees

Explore another lender or local market

Report Card

United Premier Funding performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+14.1 bps above market avg
4/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
78 loans · 0.14% above market
Acceptable
Bottom 40% of lenders
2/5
By Loan Purpose· Transaction purpose mix
Purchase
60 loans · 0.13% above market
Acceptable
Bottom 40% of lenders
2/5
Refinance
18 loans · 0.17% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 1 markets
Sound
Top 60% of lenders
3/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Acceptable
Pricing
Strong
Pull Through
Sound
Volume78
Mix100.0%
Spread
+0.141%Above
Fees
$822Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Acceptable
Pricing
Strong
Pull Through
Sound
Volume60
Mix76.9%
Spread
+0.133%Above
Fees
$1,517Fees
Refinance
Overall
Acceptable
Product
Acceptable
Pricing—
Pull Through
Sound
Volume18
Mix23.1%
Spread
+0.173%Above
Fees
$2,187Credit

At a Glance

Lender Overview

Lending Activity
Loans Originated
78
Applications
95
Volume
$26 million
Pricing & Closing
Avg Rate Spread
+0.141%
vs. market APOR
Avg Net Fees
$822
Origination − Credits
Pullthrough Rate
82.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$337,051
Avg Borrower Income
$134,987
Avg Property Value
$512,432

Geographic Coverage

Geographic Performance

Metro Areas
1
markets with activity
States Served
6
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

6Full-year 2024 · HMDA
6 states with loan originations
Loans originated
< 1010–2020+None
Northeast1
PA
South5
FLGALANCTN

Top Metro Areas by Place Specialization Score

1© Warren LeMay from Cincinnati, OH, United States · CC0
Atlanta, GAMetro
Volume 26Mix 33.33% of portfolio
57/100
Sound

Top States by Place Specialization Score

Georgia
Georgia
1
GeorgiaState
Volume 30Mix 38.46% of portfolio
56/100
Sound
North Carolina
North Carolina
2
North CarolinaState
Volume 22Mix 28.21% of portfolio
51/100
Sound
Tennessee
Tennessee
3
TennesseeState
Volume 14Mix 17.95% of portfolio
47/100
Sound
Florida
Florida
4
FloridaState
Volume 10Mix 12.82% of portfolio
40/100
Acceptable

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
Champion(80%+ = 40-50 points)
Superstar
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.