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United Community Bank
Bank|Chatham, IL|Multi-Region
Loans Originated
733
Applications
1,025
Volume
$117 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Exceptional
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.131%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$129
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
71.5%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and USDA loans
Report Card
United Community Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Sound | Industry Standard | |
USDA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Multi-Regional · 4 metro areas · 9 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$160,321
Average Borrower Income
$111,003
Average Property Value
$227,046
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Exceptional | Strong | 647 | 88.3% | +0.103% | $65 |
FHA Loans | Sound | Sound | Strong | Sound | 45 | 6.1% | +0.560% | $900 |
USDA Loans | Sound | Strong | N/A | Sound | 30 | 4.1% | +0.189% | $0 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Exceptional | Strong | 549 | 74.9% | +0.099% | $151 |
Refinance | Strong | Strong | Strong | Strong | 184 | 25.1% | +0.231% | $61 |
Geographic Coverage
Metro Areas
3
States Served
9
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ALCTFLIAILINKSMONY
Top Metro Areas by Place Specialization Score
1
Springfield, IL, ILMSA
Volume: 196Mix: 26.74%
Place Specialization
Exceptional
2
St. Louis, MO, MO-ILMSA
Volume: 137Mix: 18.69%
Place Specialization
Strong
3
St. Joseph, MO, MO-KSMSA
Volume: 13Mix: 1.77%
Place Specialization
Sound
Top States by Place Specialization Score
1
ILState
Volume: 649Mix: 88.54%
Place Specialization
Exceptional
2
MOState
Volume: 55Mix: 7.50%
Place Specialization
Sound
3
IAState
Volume: 14Mix: 1.91%
Place Specialization
Sound
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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