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First United Bank
Bank|Dimmitt, TX|Regional
Loans Originated
263
Applications
312
Volume
$67 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Sound
Safe Rate Awards⭐FHA Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.259%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,044
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
84.3%
Percentage of applications that result in closed loans
Report Card
First United Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
VA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Strong | Regional · 3 metro areas · 2 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$257,471
Average Borrower Income
$144,532
Average Property Value
$332,186
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Sound | Strong | 193 | 73.4% | +0.283% | $2,056 |
FHA Loans | Strong | Strong | Strong | Exceptional | 54 | 20.5% | +0.292% | $1,771 |
VA Loans | Sound | Sound | N/A | N/A | 12 | 4.6% | -0.449% | $3,254 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Sound | Strong | Strong | 222 | 84.4% | +0.200% | $1,887 |
Refinance | Sound | Sound | Acceptable | Exceptional | 41 | 15.6% | +0.514% | $2,720 |
Geographic Coverage
Metro Areas
2
States Served
2
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
OKTX
Top Metro Areas by Place Specialization Score
1
Amarillo, TX, TXMSA
Volume: 88Mix: 33.46%
Place Specialization
Strong
2
Lubbock, TX, TXMSA
Volume: 78Mix: 29.66%
Place Specialization
Strong
Top States by Place Specialization Score
1
TXState
Volume: 260Mix: 98.86%
Place Specialization
Strong
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 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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