We analyzed every closed loan from United Bank — 2.2k loans across 3k 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
Strong
4/5
FHA · Conventional · VA · Jumbo · USDA
Place
Sound
3/5
Multi-Region · 21 mkts
Awards
Conventional
Superstar
FHA
Superstar
VA
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
United Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+5.7 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
USDA
Strong
Top 40% 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
Multi-Regional · 22 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 | 1,791 | 80.6% | +0.063%Above | $2,010Fees | ||||
FHA Loans | 213 | 9.6% | +0.323%Above | $2,296Fees | ||||
VA Loans | 118 | 5.3% | -0.522%Below | $2,126Fees | ||||
Jumbo Loans | 80 | 3.6% | +0.086%Above | $1,575Fees | ||||
USDA Loans | — | 20 | 0.9% | -0.120%Below | $1,891Fees |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume1,791
Mix80.6%
Spread
+0.063%Above
Fees
$2,010Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume213
Mix9.6%
Spread
+0.323%Above
Fees
$2,296Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume118
Mix5.3%
Spread
-0.522%Below
Fees
$2,126Fees
Jumbo Loans
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume80
Mix3.6%
Spread
+0.086%Above
Fees
$1,575Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume20
Mix0.9%
Spread
-0.120%Below
Fees
$1,891Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,986 | 89.4% | +0.063%Above | $2,111Fees | ||||
Refinance | 236 | 10.6% | +0.001%Above | $1,312Fees |
Purchase
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume1,986
Mix89.4%
Spread
+0.063%Above
Fees
$2,111Fees
Refinance
OverallSound
ProductStrong
PricingSound
Pull ThroughStrong
Volume236
Mix10.6%
Spread
+0.001%Above
Fees
$1,312Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,222
Applications
2,933
Volume
$915 million
Pricing & Closing
Avg Rate Spread
+0.057%
vs. market APOR
Avg Net Fees
$2,034
Origination − Credits
Pullthrough Rate
75.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$411,823
Avg Borrower Income
$163,059
Avg Property Value
$530,212
Geographic Coverage
Geographic Performance
Metro Areas
21
markets with activity
States Served
14
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
14Northeast1
PA
Midwest2
INOH
South11
DCDEFLGAKYMDNCSCTNVAWV
Top Metro Areas by Place Specialization Score
Volume 584Mix 26.28% of portfolio
95/100
Exceptional
Volume 228Mix 10.26% of portfolio
85/100
Exceptional
Volume 390Mix 17.55% of portfolio
83/100
Exceptional
Volume 137Mix 6.17% of portfolio
80/100
Strong
Volume 186Mix 8.37% of portfolio
74/100
Strong
Volume 58Mix 2.61% of portfolio
69/100
Strong
Volume 43Mix 1.94% of portfolio
68/100
Strong
Volume 24Mix 1.08% of portfolio
58/100
Sound
Volume 27Mix 1.22% of portfolio
55/100
Sound
Volume 25Mix 1.13% of portfolio
54/100
SoundShowing 10 of 21 metro areas
Top States by Place Specialization Score
1
VirginiaState
Volume 1,181Mix 53.15% of portfolio
91/100
Exceptional2
MarylandState
Volume 498Mix 22.41% of portfolio
80/100
Exceptional3
West VirginiaState
Volume 164Mix 7.38% of portfolio
78/100
Strong4
Washington, DCState
Volume 83Mix 3.74% of portfolio
72/100
Strong5
South CarolinaState
Volume 104Mix 4.68% of portfolio
64/100
Strong6
North CarolinaState
Volume 131Mix 5.90% of portfolio
60/100
Strong7
PennsylvaniaState
Volume 22Mix 0.99% of portfolio
43/100
Sound8
FloridaState
Volume 16Mix 0.72% of portfolio
35/100
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.