We analyzed every closed loan from United Mortgage — 1.9k 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
Mediocre
1/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA
Place
Sound
3/5
Near-National · 27 mkts
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 66 basis points above market average
- Higher than average fees ($4,767)
Explore another lender or local market
Report Card
United Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+65.8 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
Exceptional
Top 20% of lenders
VA
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
Near-National · 28 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 | 1,181 | 62.3% | +0.584%Above | $4,518Fees | ||||
FHA Loans | 651 | 34.3% | +0.835%Above | $5,273Fees | ||||
VA Loans | 55 | 2.9% | +0.010%Above | $4,440Fees |
Conventional
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume1,181
Mix62.3%
Spread
+0.584%Above
Fees
$4,518Fees
FHA Loans
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughStrong
Volume651
Mix34.3%
Spread
+0.835%Above
Fees
$5,273Fees
VA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume55
Mix2.9%
Spread
+0.010%Above
Fees
$4,440Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,463 | 77.1% | +0.689%Above | $4,613Fees | ||||
Refinance | 434 | 22.9% | +0.538%Above | $5,350Fees |
Purchase
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume1,463
Mix77.1%
Spread
+0.689%Above
Fees
$4,613Fees
Refinance
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume434
Mix22.9%
Spread
+0.538%Above
Fees
$5,350Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,897
Applications
2,822
Volume
$829 million
Pricing & Closing
Avg Rate Spread
+0.658%
vs. market APOR
Avg Net Fees
$4,767
Origination − Credits
Pullthrough Rate
67.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$437,161
Avg Borrower Income
$159,425
Avg Property Value
$551,686
Geographic Coverage
Geographic Performance
Metro Areas
27
markets with activity
States Served
35
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
35Northeast7
CTMEMANHNJNYPA
Midwest7
IAILINKSMIMNOH
South13
ALDEFLGAKYMDNCOKSCTNTXVAWV
West8
AZCACOIDMTNVORWA
Top Metro Areas by Place Specialization Score
Volume 521Mix 27.46% of portfolio
88/100
Exceptional
Volume 121Mix 6.38% of portfolio
80/100
Exceptional
Volume 335Mix 17.66% of portfolio
79/100
Strong
Volume 71Mix 3.74% of portfolio
66/100
Strong
Volume 81Mix 4.27% of portfolio
66/100
Strong
Volume 55Mix 2.90% of portfolio
56/100
Sound
7© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0Fort Worth, TXMetro
Volume 34Mix 1.79% of portfolio
53/100
Sound
Volume 23Mix 1.21% of portfolio
52/100
Sound
Volume 28Mix 1.48% of portfolio
51/100
Sound
Volume 25Mix 1.32% of portfolio
50/100
SoundShowing 10 of 27 metro areas
Top States by Place Specialization Score
1
New YorkState
Volume 827Mix 43.60% of portfolio
84/100
Exceptional2
New JerseyState
Volume 248Mix 13.07% of portfolio
74/100
Strong3
PennsylvaniaState
Volume 200Mix 10.54% of portfolio
69/100
Strong4
FloridaState
Volume 147Mix 7.75% of portfolio
59/100
Sound5
TexasState
Volume 119Mix 6.27% of portfolio
57/100
Sound6
ConnecticutState
Volume 45Mix 2.37% of portfolio
55/100
Sound7
South CarolinaState
Volume 42Mix 2.21% of portfolio
53/100
Sound8
OhioState
Volume 54Mix 2.85% of portfolio
52/100
Sound9
GeorgiaState
Volume 42Mix 2.21% of portfolio
50/100
Sound10
NevadaState
Volume 19Mix 1.00% of portfolio
45/100
SoundShowing 10 of 16 states
How 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.