We analyzed every closed loan from University Bank — 1.4k loans across 2k 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
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Strong
4/5
Multi-Region · 8 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
VA
Champion
Conventional
Superstar
FHA
Superstar
USDA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
Explore another lender or local market
Report Card
University Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+24.1 bps above market avg
3/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
757 loans · 0.38% above market
Strong
Top 40% of lenders
4/5
FHA
315 loans · 0.32% above market
Strong
Top 40% of lenders
4/5
VA
325 loans · 0.53% below market
Exceptional
Top 20% of lenders
5/5
USDA
47 loans · 0.23% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
1,389 loans · 0.23% above market
Strong
Top 40% of lenders
4/5
Refinance
58 loans · 0.44% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 9 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 | 757 | 52.3% | +0.382%Above | $2,463Fees | ||||
FHA Loans | 315 | 21.8% | +0.324%Above | $2,294Fees | ||||
VA Loans | 325 | 22.5% | -0.534%Below | $1,661Fees | ||||
USDA Loans | 47 | 3.2% | +0.235%Above | $1,579Fees |
Conventional
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume757
Mix52.3%
Spread
+0.382%Above
Fees
$2,463Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume315
Mix21.8%
Spread
+0.324%Above
Fees
$2,294Fees
VA Loans
OverallExceptional
ProductExceptional
PricingStrong
Pull ThroughExceptional
Volume325
Mix22.5%
Spread
-0.534%Below
Fees
$1,661Fees
USDA Loans
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume47
Mix3.2%
Spread
+0.235%Above
Fees
$1,579Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,389 | 96.0% | +0.229%Above | $2,319Fees | ||||
Refinance | 58 | 4.0% | +0.438%Above | $2,028Fees |
Purchase
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume1,389
Mix96.0%
Spread
+0.229%Above
Fees
$2,319Fees
Refinance
OverallSound
ProductSound
PricingAcceptable
Pull ThroughStrong
Volume58
Mix4.0%
Spread
+0.438%Above
Fees
$2,028Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,447
Applications
1,767
Volume
$437 million
Pricing & Closing
Avg Rate Spread
+0.241%
vs. market APOR
Avg Net Fees
$2,302
Origination − Credits
Pullthrough Rate
81.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$302,243
Avg Borrower Income
$114,550
Avg Property Value
$359,534
Geographic Coverage
Geographic Performance
Metro Areas
8
markets with activity
States Served
19
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
19Full-year 2024 · HMDALoans originated
< 1010–200200–500500+None
Northeast1
PA
Midwest4
ILINKSMI
South12
ALARFLGAKYMDMSNCSCTNTXVA
West2
AZCA
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.
Looking for a different lender?
Are you the owner of University Bank?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
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.