We analyzed every closed loan from United Community Bank — 733 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · USDA
Place
Strong
4/5
Multi-Region · 3 mkts
Awards
Conventional
Superstar
Purchase
Superstar
Refinance
Superstar
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
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Report Card
United Community Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
+13.1 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
Sound
Top 60% 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 · 4 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 | 647 | 88.3% | +0.103%Above | $65Fees | ||||
FHA Loans | 45 | 6.1% | +0.560%Above | $900Fees | ||||
USDA Loans | — | 30 | 4.1% | +0.189%Above | $0Fees |
Conventional
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume647
Mix88.3%
Spread
+0.103%Above
Fees
$65Fees
FHA Loans
OverallSound
ProductSound
PricingStrong
Pull ThroughSound
Volume45
Mix6.1%
Spread
+0.560%Above
Fees
$900Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughSound
Volume30
Mix4.1%
Spread
+0.189%Above
Fees
$0Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 549 | 74.9% | +0.099%Above | $151Fees | ||||
Refinance | 184 | 25.1% | +0.231%Above | $61Fees |
Purchase
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume549
Mix74.9%
Spread
+0.099%Above
Fees
$151Fees
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume184
Mix25.1%
Spread
+0.231%Above
Fees
$61Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
733
Applications
1,025
Volume
$117 million
Pricing & Closing
Avg Rate Spread
+0.131%
vs. market APOR
Avg Net Fees
$129
Origination − Credits
Pullthrough Rate
71.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$160,321
Avg Borrower Income
$111,003
Avg Property Value
$227,046
Geographic Coverage
Geographic Performance
Metro Areas
3
markets with activity
States Served
9
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
9Northeast2
CTNY
Midwest5
IAILINKSMO
South2
ALFL
Top Metro Areas by Place Specialization Score
Volume 196Mix 26.74% of portfolio
88/100
Exceptional
Volume 137Mix 18.69% of portfolio
73/100
Strong
Volume 13Mix 1.77% of portfolio
49/100
SoundTop States by Place Specialization Score
1
IllinoisState
Volume 649Mix 88.54% of portfolio
85/100
Exceptional2
MissouriState
Volume 55Mix 7.50% of portfolio
56/100
Sound3
IowaState
Volume 14Mix 1.91% of portfolio
43/100
SoundHow 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.