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Unclaimed

First United Bank and Trust Company

Bank•Durant, OK•Direct to Consumer

We analyzed every closed loan from First United Bank and Trust — 4.9k loans across 7k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing
Acceptable
vs. all lenders
Pull Through
Strong
closing strength
Products
Exceptional
FHA · Conventional · VA · Jumbo · USDA
Place
Exceptional
Near-National · 10 mkts
Safe Rate Awards⭐FHA Superstar⭐VA Superstar⭐USDA Superstar

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Safe Rate's Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
  • Nationwide availability with consistent service

Things to Think About

  • Pricing may be below industry average

Explore another lender or local market

Report Card

First United Bank and Trust Company performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
Near industry average
+40.4 bps above market avg
Pull Through
Closing strength
Strong
Highly Competitive
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Market Leader
Top 20% of lenders
FHA
Exceptional
Market Leader
Top 20% of lenders
VA
Exceptional
Market Leader
Top 20% of lenders
Jumbo
Exceptional
Market Leader
Top 20% of lenders
USDA
Exceptional
Market Leader
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Market Leader
Top 20% of lenders
Refinance
Strong
Highly Competitive
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Exceptional
Market Leader
Top 20% of lenders
Near-National11 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Sound
Exceptional
Acceptable
Strong
3,06362.7%
+0.376%Above
$2,030Fees
FHA Loans
Strong
Exceptional
Sound
Strong
1,00820.6%
+0.713%Above
$2,459Fees
VA Loans
Strong
Exceptional
Sound
Strong
52910.8%
-0.137%Below
$1,814Fees
Jumbo Loans
Sound
Exceptional
Acceptable
Sound
2435.0%
+0.556%Above
$1,857Fees
USDA Loans
Strong
Exceptional
Strong
Strong
390.8%
+0.358%Above
$1,789Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Exceptional
Acceptable
Strong
4,50192.2%
+0.389%Above
$2,047Fees
Refinance
Acceptable
Strong
Mediocre
Sound
3817.8%
+0.570%Above
$2,565Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
4,882
Applications
7,158
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.404%
vs. market APOR
Avg Net Fees
$2,090
Origination − Credits
Pullthrough Rate
68.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$381,340
Avg Borrower Income
$174,529
Avg Property Value
$500,483

Geographic Coverage

Geographic Performance

Metro Areas
10
States Served
35
We count Washington DC as a state
Avg Place Specialization
Exceptional

States with Loan Originations

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Top Metro Areas by Place Specialization Score

1
Oklahoma City, OK, OKMSA
Volume: 1,087Mix: 22.27%of portfolio
Place
Exceptional
2
Lawton, OK, OKMSA
Volume: 166Mix: 3.40%of portfolio
Place
Exceptional
3
Sherman, TXMSA
Volume: 123Mix: 2.52%of portfolio
Place
Exceptional
4
Tulsa, OK, OKMSA
Volume: 670Mix: 13.72%of portfolio
Place
Exceptional
5
Austin, TXMSA
Volume: 525Mix: 10.75%of portfolio
Place
Exceptional
6
Fort Worth, TXMSA
Volume: 430Mix: 8.81%of portfolio
Place
Exceptional
7
Dallas, TXMSA
Volume: 584Mix: 11.96%of portfolio
Place
Exceptional
8
San Antonio, TXMSA
Volume: 169Mix: 3.46%of portfolio
Place
Strong
9
Houston, TXMSA
Volume: 161Mix: 3.30%of portfolio
Place
Strong
10
Killeen, TXMSA
Volume: 16Mix: 0.33%of portfolio
Place
Sound

Top States by Place Specialization Score

1
OKState
Volume: 2,541Mix: 52.05%of portfolio
Place
Exceptional
2
TXState
Volume: 2,233Mix: 45.74%of portfolio
Place
Exceptional
3
ARState
Volume: 15Mix: 0.31%of portfolio
Place
Sound
4
COState
Volume: 15Mix: 0.31%of portfolio
Place
Acceptable

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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.