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Union Savings Bank

Bank•Danbury, CTHQ•Direct•Reviews near you on Google

Union Savings Bank has 214 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Strong
4/5
Regional · 3 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Jumbo Superstar
Jumbo
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 26.00 basis points below market average
  • Lower than average lender fees
  • Strong pull through performance

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Report Card

Union Savings Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 26.0 bps below market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 4 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Sound
Pricing
Strong
Pull Through
Sound
Volume174
Mix81.3%
Spread
-0.243%Below
Fees
$988Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume38
Mix17.8%
Spread
-0.377%Below
Fees
$1,419Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Strong
Pull Through
Sound
Volume172
Mix80.4%
Spread
-0.255%Below
Fees
$979Fees
Refinance
Overall
Strong
Product
Sound
Pricing
Strong
Pull Through
Strong
Volume42
Mix19.6%
Spread
-0.279%Below
Fees
$1,354Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
214
Applications
285
Volume
$113 million
Pricing & Closing
Avg Rate Spread
-0.260%
vs. market APOR
Avg Net Fees
$1,056
Origination − Credits
Pullthrough Rate
75.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$532,336
Avg Borrower Income
$207,734
Avg Property Value
$872,944

Geographic Coverage

Geographic Performance

Metro Areas
3
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

2
2 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast2
CTNY

Top Metro Areas by Place Specialization Score

1© Quintin Soloviev · CC BY 4.0
Bridgeport, CTMetro
Volume 139Mix 64.95% of portfolio
88/100
Exceptional
2© Daniel Case · CC BY-SA 3.0
Waterbury, CTMetro
Volume 30Mix 14.02% of portfolio
64/100
Strong
3© Quintin Soloviev · CC BY 4.0
Hartford, CTMetro
Volume 16Mix 7.48% of portfolio
50/100
Sound

Top States by Place Specialization Score

Connecticut
Connecticut
1
ConnecticutState
Volume 209Mix 97.66% of portfolio
80/100
Strong

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.