LoanUnited.com
We analyzed every closed loan from LoanUnited.com — 1.7k loans across 4k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA
Place
Sound
3/5
National · 42 mkts
Awards
VA
Superstar
Summary
What They Do Well
- Particularly strong in FHA and VA loans
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
LoanUnited.com performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
Rates 30.8 bps below market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
VA
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
National · 43 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 383 | 22.7% | +0.209%Above | $2,298Fees | ||||
FHA Loans | 503 | 29.8% | +0.216%Above | $2,833Fees | ||||
VA Loans | 803 | 47.5% | -0.619%Below | $3,240Fees |
Conventional
OverallAcceptable
ProductSound
PricingSound
Pull ThroughAcceptable
Volume383
Mix22.7%
Spread
+0.209%Above
Fees
$2,298Fees
FHA Loans
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume503
Mix29.8%
Spread
+0.216%Above
Fees
$2,833Fees
VA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughSound
Volume803
Mix47.5%
Spread
-0.619%Below
Fees
$3,240Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,219 | 72.2% | +0.058%Above | $2,219Fees | ||||
Refinance | 470 | 27.8% | -0.646%Below | $3,744Fees |
Purchase
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume1,219
Mix72.2%
Spread
+0.058%Above
Fees
$2,219Fees
Refinance
OverallAcceptable
ProductStrong
PricingAcceptable
Pull ThroughAcceptable
Volume470
Mix27.8%
Spread
-0.646%Below
Fees
$3,744Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,689
Applications
3,625
Volume
$587 million
Pricing & Closing
Avg Rate Spread
-0.308%
vs. market APOR
Avg Net Fees
$3,011
Origination − Credits
Pullthrough Rate
46.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$347,848
Avg Borrower Income
$124,356
Avg Property Value
$402,691
Geographic Coverage
Geographic Performance
Metro Areas
42
markets with activity
States Served
40
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
40Northeast6
CTMEMANHNJPA
Midwest10
IAILINKSMIMNNEOHSDWI
South16
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVA
West8
AKAZCACONVORWAWY
Top Metro Areas by Place Specialization Score
Volume 116Mix 6.87% of portfolio
69/100
Strong
Volume 26Mix 1.54% of portfolio
66/100
Strong
Volume 44Mix 2.61% of portfolio
64/100
Strong
Volume 59Mix 3.49% of portfolio
63/100
Strong
Volume 91Mix 5.39% of portfolio
61/100
Strong
Volume 31Mix 1.84% of portfolio
60/100
Strong
Volume 74Mix 4.38% of portfolio
60/100
Strong
Volume 27Mix 1.60% of portfolio
60/100
Sound
Volume 38Mix 2.25% of portfolio
55/100
Sound
Volume 52Mix 3.08% of portfolio
55/100
SoundShowing 10 of 42 metro areas
Top States by Place Specialization Score
1
GeorgiaState
Volume 215Mix 12.73% of portfolio
69/100
Strong2
VirginiaState
Volume 163Mix 9.65% of portfolio
68/100
Strong3
TexasState
Volume 220Mix 13.03% of portfolio
64/100
Strong4
NebraskaState
Volume 74Mix 4.38% of portfolio
63/100
Strong5
FloridaState
Volume 183Mix 10.83% of portfolio
62/100
Strong6
North CarolinaState
Volume 95Mix 5.62% of portfolio
58/100
Sound7
ArizonaState
Volume 73Mix 4.32% of portfolio
57/100
Sound8
TennesseeState
Volume 64Mix 3.79% of portfolio
56/100
Sound9
CaliforniaState
Volume 107Mix 6.34% of portfolio
56/100
Sound10
South CarolinaState
Volume 52Mix 3.08% of portfolio
56/100
SoundShowing 10 of 27 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
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.