We analyzed every closed loan from United Community Bank — 2.4k loans across 4k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Sound
3/5
Multi-Region · 31 mkts
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
USDA
Superstar
Summary
What They Do Well
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
United Community Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+40.5 bps above market avg
Pull Through
Closing strength
Sound
Top 60% 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
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 · 32 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 | 1,774 | 74.2% | +0.422%Above | $2,330Fees | ||||
FHA Loans | 417 | 17.4% | +0.527%Above | $2,368Fees | ||||
VA Loans | 89 | 3.7% | -0.490%Below | $1,757Fees | ||||
Jumbo Loans | 66 | 2.8% | +0.322%Above | $2,022Fees | ||||
USDA Loans | 45 | 1.9% | +0.016%Above | $2,074Fees |
Conventional
OverallSound
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume1,774
Mix74.2%
Spread
+0.422%Above
Fees
$2,330Fees
FHA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume417
Mix17.4%
Spread
+0.527%Above
Fees
$2,368Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume89
Mix3.7%
Spread
-0.490%Below
Fees
$1,757Fees
Jumbo Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume66
Mix2.8%
Spread
+0.322%Above
Fees
$2,022Fees
USDA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume45
Mix1.9%
Spread
+0.016%Above
Fees
$2,074Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,008 | 84.0% | +0.384%Above | $2,332Fees | ||||
Refinance | 383 | 16.0% | +0.491%Above | $2,212Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume2,008
Mix84.0%
Spread
+0.384%Above
Fees
$2,332Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume383
Mix16.0%
Spread
+0.491%Above
Fees
$2,212Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,391
Applications
3,745
Volume
$832 million
Pricing & Closing
Avg Rate Spread
+0.405%
vs. market APOR
Avg Net Fees
$2,309
Origination − Credits
Pullthrough Rate
63.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$348,338
Avg Borrower Income
$173,364
Avg Property Value
$493,766
Geographic Coverage
Geographic Performance
Metro Areas
31
markets with activity
States Served
8
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
8South8
ALFLGAKYNCSCTNVA
Top Metro Areas by Place Specialization Score
Volume 49Mix 2.05% of portfolio
83/100
Exceptional
Volume 56Mix 2.34% of portfolio
82/100
Exceptional
Volume 368Mix 15.39% of portfolio
79/100
Strong
Volume 146Mix 6.11% of portfolio
76/100
Strong
Volume 174Mix 7.28% of portfolio
76/100
Strong
Volume 44Mix 1.84% of portfolio
72/100
Strong
Volume 59Mix 2.47% of portfolio
71/100
Strong
Volume 81Mix 3.39% of portfolio
69/100
Strong
Volume 71Mix 2.97% of portfolio
68/100
Strong
Volume 44Mix 1.84% of portfolio
65/100
StrongShowing 10 of 31 metro areas
Top States by Place Specialization Score
1
GeorgiaState
Volume 1,000Mix 41.82% of portfolio
85/100
Exceptional2
North CarolinaState
Volume 620Mix 25.93% of portfolio
77/100
Strong3
AlabamaState
Volume 205Mix 8.57% of portfolio
73/100
Strong4
South CarolinaState
Volume 225Mix 9.41% of portfolio
73/100
Strong5
TennesseeState
Volume 264Mix 11.04% of portfolio
72/100
Strong6
FloridaState
Volume 73Mix 3.05% of portfolio
50/100
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.