We analyzed every closed loan from Union Savings Bank — 4.5k loans across 6k 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
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
Multi-Region · 12 mkts
Awards
FHA
Champion
VA
Champion
Conventional
Superstar
Jumbo
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
Explore another lender or local market
Report Card
Union Savings Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+17.5 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 20% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Exceptional
Top 20% of lenders
USDA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
Refinance
Exceptional
Top 20% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 13 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 3,817 | 84.1% | +0.186%Above | $1,145Fees | ||||
FHA Loans | 441 | 9.7% | +0.270%Above | $63Credit | ||||
VA Loans | 161 | 3.5% | -0.483%Below | $371Fees | ||||
Jumbo Loans | 87 | 1.9% | +0.313%Above | $510Fees | ||||
USDA Loans | — | 32 | 0.7% | +0.131%Above | $954Fees |
Conventional
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume3,817
Mix84.1%
Spread
+0.186%Above
Fees
$1,145Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume441
Mix9.7%
Spread
+0.270%Above
Fees
$63Credit
VA Loans
OverallExceptional
ProductStrong
PricingExceptional
Pull ThroughExceptional
Volume161
Mix3.5%
Spread
-0.483%Below
Fees
$371Fees
Jumbo Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume87
Mix1.9%
Spread
+0.313%Above
Fees
$510Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume32
Mix0.7%
Spread
+0.131%Above
Fees
$954Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 3,562 | 78.5% | +0.201%Above | $1,002Fees | ||||
Refinance | 976 | 21.5% | +0.086%Above | $989Fees |
Purchase
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume3,562
Mix78.5%
Spread
+0.201%Above
Fees
$1,002Fees
Refinance
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughExceptional
Volume976
Mix21.5%
Spread
+0.086%Above
Fees
$989Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
4,538
Applications
5,890
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.175%
vs. market APOR
Avg Net Fees
$999
Origination − Credits
Pullthrough Rate
77.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$321,754
Avg Borrower Income
$146,846
Avg Property Value
$470,269
Geographic Coverage
Geographic Performance
Metro Areas
12
markets with activity
States Served
23
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
23Northeast2
NYPA
Midwest5
ILINMIOHWI
South11
ALFLGAKYMDNCOKSCTNVAWV
West5
AZCACONVOR
Top Metro Areas by Place Specialization Score
Volume 1,185Mix 26.11% of portfolio
100/100
Exceptional
Volume 965Mix 21.26% of portfolio
96/100
Exceptional
Volume 688Mix 15.16% of portfolio
91/100
Exceptional
Volume 494Mix 10.89% of portfolio
84/100
Exceptional
Volume 343Mix 7.56% of portfolio
84/100
Exceptional
Volume 151Mix 3.33% of portfolio
73/100
Strong
Volume 51Mix 1.12% of portfolio
70/100
Strong
Volume 117Mix 2.58% of portfolio
67/100
StrongVolume 38Mix 0.84% of portfolio
65/100
Strong
Volume 22Mix 0.48% of portfolio
50/100
SoundShowing 10 of 12 metro areas
Top States by Place Specialization Score
1
OhioState
Volume 3,119Mix 68.73% of portfolio
94/100
Exceptional2
IndianaState
Volume 790Mix 17.41% of portfolio
81/100
Exceptional3
PennsylvaniaState
Volume 387Mix 8.53% of portfolio
74/100
Strong4
KentuckyState
Volume 88Mix 1.94% of portfolio
61/100
Strong5
FloridaState
Volume 69Mix 1.52% of portfolio
48/100
Sound6
TennesseeState
Volume 20Mix 0.44% of portfolio
41/100
Sound7
South CarolinaState
Volume 12Mix 0.26% of portfolio
37/100
AcceptableHow 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.