# First United Bank

> **Canonical URL:** https://saferate.com/lenders/first-united-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


First United Bank is a bank, headquartered in Dimmitt, TX, serving borrowers across 2 states, with 263 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 44% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 42% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300DDDXGC8OXLNZ36
- **Headquarters:** Dimmitt, TX
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** OK, TX
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 56/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 58/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.259%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,044
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 263
- **Dollar Volume:** $68 million
- **Applications Received:** 312
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $257,471
- **Average Borrower Income:** $144,532
- **Average Property Value:** $332,186

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (77%)
- ⭐ **Purchase Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 57/100 | 193 | +0.283% | $2,056 | Sound ☺️ |
| FHA | 64/100 | 54 | +0.292% | $1,771 | Strong 😀 |
| VA | 55/100 | 12 | -0.449% | $3,254 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 154 loans, Score: 56/100 (Sound)
- Refinance: 39 loans, Score: 54/100 (Sound)

**FHA:**
- Purchase: 52 loans, Score: 63/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 59/100 | 222 | $56M | +0.200% | Sound ☺️ |
| Refinance | 56/100 | 41 | $12M | +0.514% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 260 | 0.07% | 73/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Amarillo, TX | TX | 88 | 75/100 |
| Non |  | 80 | 54/100 |
| Lubbock, TX | TX | 78 | 73/100 |

## Where This Lender Ranks

First United Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Amarillo, TX for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/amarillo-tx/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Lubbock, TX for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/lubbock-tx/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Amarillo, TX Banks
  - [View Full Rankings](https://saferate.com/amarillo-tx/best-mortgage-lenders/banks)
- 🥉 **#3** in Amarillo, TX for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/amarillo-tx/best-mortgage-lenders/banks/conventional-loans)
- 🥉 **#3** in Amarillo, TX for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/amarillo-tx/best-mortgage-lenders/banks/va-loans)
- 🏆 **#4** in Lubbock, TX for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/lubbock-tx/best-mortgage-lenders/banks/va-loans)
- 🏆 **#5** in Amarillo, TX for FHA Loans
  - [View Full Rankings](https://saferate.com/amarillo-tx/best-mortgage-lenders/fha-loans)
- 🏆 **#5** in Lubbock, TX Banks
  - [View Full Rankings](https://saferate.com/lubbock-tx/best-mortgage-lenders/banks)
- 🏆 **#5** in Lubbock, TX for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/lubbock-tx/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#5** in Lubbock, TX for FHA Loans
  - [View Full Rankings](https://saferate.com/lubbock-tx/best-mortgage-lenders/fha-loans)
- 🏆 **#10** in Amarillo, TX
  - [View Full Rankings](https://saferate.com/amarillo-tx/best-mortgage-lenders)
- 🏆 **#11** in Amarillo, TX for Conventional Loans
  - [View Full Rankings](https://saferate.com/amarillo-tx/best-mortgage-lenders/conventional-loans)
- 🏆 **#13** in Amarillo, TX for VA Loans
  - [View Full Rankings](https://saferate.com/amarillo-tx/best-mortgage-lenders/va-loans)
- 🏆 **#16** in Lubbock, TX
  - [View Full Rankings](https://saferate.com/lubbock-tx/best-mortgage-lenders)
- 🏆 **#16** in Lubbock, TX for Conventional Loans
  - [View Full Rankings](https://saferate.com/lubbock-tx/best-mortgage-lenders/conventional-loans)
- 🏆 **#16** in Lubbock, TX for VA Loans
  - [View Full Rankings](https://saferate.com/lubbock-tx/best-mortgage-lenders/va-loans)

## Frequently Asked Questions

### What loan types does First United Bank offer?

First United Bank offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does First United Bank offer mortgages?

First United Bank offers mortgages in 2 states: OK, TX.

### How competitive are First United Bank's mortgage rates?

First United Bank has a pricing score of 56/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.259% above market average.

### What type of lender is First United Bank?

First United Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Dimmitt, TX.

### What is First United Bank's loan approval success rate?

First United Bank has a pull-through score of 58/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/first-united-bank

### How to Cite

> "First United Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-united-bank

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