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First United Bank and Trust Company
Bank|Durant, OK|Near-National
Loans Originated
4,882
Applications
7,158
Volume
$1 billion
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Strong
Safe Rate Awards⭐FHA Superstar⭐VA Superstar⭐USDA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.404%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,090
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
68.2%
Percentage of applications that result in closed loans
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
Report Card
First United Bank and Trust Company performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Exceptional | Market Leader | |
VA | Exceptional | Market Leader | |
Jumbo | Exceptional | Market Leader | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Exceptional | Near-National · 11 metro areas · 35 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$381,340
Average Borrower Income
$174,529
Average Property Value
$500,483
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Exceptional | Acceptable | Strong | 3,063 | 62.7% | +0.376% | $2,030 |
FHA Loans | Strong | Exceptional | Sound | Strong | 1,008 | 20.6% | +0.713% | $2,459 |
VA Loans | Strong | Exceptional | Sound | Strong | 529 | 10.8% | -0.137% | $1,814 |
Jumbo Loans | Sound | Exceptional | Acceptable | Sound | 243 | 5.0% | +0.556% | $1,857 |
USDA Loans | Strong | Exceptional | Strong | Strong | 39 | 0.8% | +0.358% | $1,789 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Exceptional | Acceptable | Strong | 4,501 | 92.2% | +0.389% | $2,047 |
Refinance | Acceptable | Strong | Mediocre | Sound | 381 | 7.8% | +0.570% | $2,565 |
Geographic Coverage
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%
Place Specialization
Exceptional
2
Lawton, OK, OKMSA
Volume: 166Mix: 3.40%
Place Specialization
Exceptional
3
Sherman, TXMSA
Volume: 123Mix: 2.52%
Place Specialization
Exceptional
4
Tulsa, OK, OKMSA
Volume: 670Mix: 13.72%
Place Specialization
Exceptional
5
Austin, TXMSA
Volume: 525Mix: 10.75%
Place Specialization
Exceptional
6
Fort Worth, TXMSA
Volume: 430Mix: 8.81%
Place Specialization
Exceptional
7
Dallas, TXMSA
Volume: 584Mix: 11.96%
Place Specialization
Exceptional
8
San Antonio, TXMSA
Volume: 169Mix: 3.46%
Place Specialization
Strong
9
Houston, TXMSA
Volume: 161Mix: 3.30%
Place Specialization
Strong
10
Killeen, TXMSA
Volume: 16Mix: 0.33%
Place Specialization
Sound
Top States by Place Specialization Score
1
OKState
Volume: 2,541Mix: 52.05%
Place Specialization
Exceptional
2
TXState
Volume: 2,233Mix: 45.74%
Place Specialization
Exceptional
3
ARState
Volume: 15Mix: 0.31%
Place Specialization
Sound
4
COState
Volume: 15Mix: 0.31%
Place Specialization
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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