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LoanUnited.com, LLC
Independent Mortgage Company|Atlanta, GA|National
Loans Originated
1,689
Applications
3,625
Volume
$587 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Sound
Overall Pull Through
Sound
Safe Rate Awards⭐VA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.308%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,011
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
46.6%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Particularly strong in FHA and VA loans
- Nationwide availability with consistent service
Report Card
LoanUnited.com, LLC 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 | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | National · 43 metro areas · 40 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$347,848
Average Borrower Income
$124,356
Average Property Value
$402,691
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Sound | Acceptable | 383 | 22.7% | +0.209% | $2,298 |
FHA Loans | Sound | Strong | Sound | Sound | 503 | 29.8% | +0.216% | $2,833 |
VA Loans | Strong | Exceptional | Sound | Sound | 803 | 47.5% | -0.619% | $3,240 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Sound | Sound | 1,219 | 72.2% | +0.058% | $2,219 |
Refinance | Sound | Strong | Acceptable | Acceptable | 470 | 27.8% | -0.646% | $3,744 |
Geographic Coverage
Metro Areas
42
States Served
40
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Virginia Beach, VA-NCMSA
Volume: 116Mix: 6.87%
Place Specialization
Strong
2
Hinesville, GA, GAMSA
Volume: 26Mix: 1.54%
Place Specialization
Strong
3
Fayetteville, NC, NCMSA
Volume: 44Mix: 2.61%
Place Specialization
Strong
4
Omaha, NE, NE-IAMSA
Volume: 59Mix: 3.49%
Place Specialization
Strong
5
Houston, TXMSA
Volume: 91Mix: 5.39%
Place Specialization
Strong
6
Savannah, GA, GAMSA
Volume: 31Mix: 1.84%
Place Specialization
Strong
7
Atlanta, GAMSA
Volume: 74Mix: 4.38%
Place Specialization
Strong
8
Warner Robins, GA, GAMSA
Volume: 27Mix: 1.60%
Place Specialization
Sound
9
Las Vegas, NVMSA
Volume: 38Mix: 2.25%
Place Specialization
Sound
10
Phoenix, AZMSA
Volume: 52Mix: 3.08%
Place Specialization
Sound
Showing 10 of 42 metro areas
Top States by Place Specialization Score
1
GAState
Volume: 215Mix: 12.73%
Place Specialization
Strong
2
VAState
Volume: 163Mix: 9.65%
Place Specialization
Strong
3
TXState
Volume: 220Mix: 13.03%
Place Specialization
Strong
4
NEState
Volume: 74Mix: 4.38%
Place Specialization
Strong
5
FLState
Volume: 183Mix: 10.83%
Place Specialization
Strong
6
NCState
Volume: 95Mix: 5.62%
Place Specialization
Sound
7
AZState
Volume: 73Mix: 4.32%
Place Specialization
Sound
8
TNState
Volume: 64Mix: 3.79%
Place Specialization
Sound
9
CAState
Volume: 107Mix: 6.34%
Place Specialization
Sound
10
SCState
Volume: 52Mix: 3.08%
Place Specialization
Sound
Showing 10 of 27 states
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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