# UNITED NORTHERN MORTGAGE BANKERS LIMITED

> **Canonical URL:** https://saferate.com/lenders/united-northern-mortgage-bankers-limited


> **📋 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


UNITED NORTHERN MORTGAGE BANKERS LIMITED is a independent mortgage company, headquartered in LEVITTOWN, NY, serving borrowers across 12 states, with 836 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 74% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 37% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300TCY9QY8BRDQJ12
- **Headquarters:** LEVITTOWN, NY
- **Geographic Reach:** Multi-Region
- **States Served:** 12
- **State List:** AL, CT, FL, GA, IL, NC, NJ, NY, PA, SC, TN, TX
- **Markets (MSAs):** 9
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.8%
- **Brokered/Wholesale:** 0.2%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 26/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 63/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.339%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,719
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 836
- **Dollar Volume:** $380 million
- **Applications Received:** 1,171
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $454,653
- **Average Borrower Income:** $152,748
- **Average Property Value:** $562,081

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 61/100 | 631 | +0.268% | $3,516 | Strong 😀 |
| FHA | 73/100 | 189 | +0.657% | $4,549 | Strong 😀 |
| VA | 58/100 | 15 | +0.003% | $3,626 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 580 loans, Score: 62/100 (Strong)
- Refinance: 51 loans, Score: 49/100 (Sound)

**FHA:**
- Purchase: 174 loans, Score: 73/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 65/100 | 769 | $353M | +0.349% | Strong 😀 |
| Refinance | 51/100 | 67 | $27M | +0.218% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 670 | 0.59% | 84/100 |
| NJ | 61 | 0.07% | 59/100 |
| CT | 35 | 0.10% | 54/100 |
| FL | 21 | 0.01% | 40/100 |
| TN | 16 | 0.02% | 42/100 |
| PA | 11 | 0.01% | 37/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| New York | NY-NJ | 378 | 83/100 |
| Nassau County | NY | 206 | 78/100 |
| Kiryas Joel | NY | 83 | 75/100 |
| Lakewood | NJ | 20 | 49/100 |
| Non |  | 18 | 25/100 |
| Bridgeport | CT | 17 | 49/100 |
| Nashville | TN | 12 | 41/100 |
| Newark, NJ | NJ | 12 | 43/100 |
| Waterbury | CT | 12 | 44/100 |

## Where This Lender Ranks

UNITED NORTHERN MORTGAGE BANKERS LIMITED appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#13** in New York for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/new-york/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#14** in New York Mortgage Companies
  - [View Full Rankings](https://saferate.com/new-york/best-mortgage-lenders/mortgage-companies)
- 🏆 **#14** in Kiryas Joel Mortgage Companies
  - [View Full Rankings](https://saferate.com/kiryas-joel/best-mortgage-lenders/mortgage-companies)
- 🏆 **#15** in New York for VA Loans
  - [View Full Rankings](https://saferate.com/new-york/best-mortgage-lenders/va-loans)

## Frequently Asked Questions

### What loan types does UNITED NORTHERN MORTGAGE BANKERS LIMITED offer?

UNITED NORTHERN MORTGAGE BANKERS LIMITED 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 UNITED NORTHERN MORTGAGE BANKERS LIMITED offer mortgages?

UNITED NORTHERN MORTGAGE BANKERS LIMITED offers mortgages in 12 states: AL, CT, FL, GA, IL, NC, NJ, NY, PA, SC, TN, TX.

### How competitive are UNITED NORTHERN MORTGAGE BANKERS LIMITED's mortgage rates?

UNITED NORTHERN MORTGAGE BANKERS LIMITED has a pricing score of 26/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.339% above market average.

### What type of lender is UNITED NORTHERN MORTGAGE BANKERS LIMITED?

UNITED NORTHERN MORTGAGE BANKERS LIMITED is a non-depository lender that specializes in mortgage origination, headquartered in LEVITTOWN, NY.

### What is UNITED NORTHERN MORTGAGE BANKERS LIMITED's loan approval success rate?

UNITED NORTHERN MORTGAGE BANKERS LIMITED has a pull-through score of 63/100 (Strong). 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/united-northern-mortgage-bankers-limited

### How to Cite

> "UNITED NORTHERN MORTGAGE BANKERS LIMITED Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/united-northern-mortgage-bankers-limited

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