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We analyzed every closed loan from United Mortgage — 1.9k loans across 3k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Mediocre
vs. all lenders
Pull Through
Strong
closing strength
Products
Exceptional
FHA · Conventional · VA
Place
Sound
Near-National · 27 mkts
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Safe Rate's 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 Corp. performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Below peers +65.8 bps above market avg | |
Pull Through Closing strength | Highly Competitive Top 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Highly Competitive Top 40% of lenders | |
FHA | Market Leader Top 20% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Highly Competitive Top 40% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Industry Standard Top 60% of lenders Near-National28 markets | |
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 |
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 |
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
States Served
35
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Nassau County, NYMSA
Volume: 521Mix: 27.46%of portfolio
Place
Exceptional2
Scranton, PAMSA
Volume: 121Mix: 6.38%of portfolio
Place
Exceptional3
New York, NY-NJMSA
Volume: 335Mix: 17.66%of portfolio
Place
Strong4
Newark, NJ, NJMSA
Volume: 71Mix: 3.74%of portfolio
Place
Strong5
Lakewood, NJMSA
Volume: 81Mix: 4.27%of portfolio
Place
Strong6
Dallas, TXMSA
Volume: 55Mix: 2.90%of portfolio
Place
Sound7
Fort Worth, TXMSA
Volume: 34Mix: 1.79%of portfolio
Place
Sound8
Allentown, PA-NJMSA
Volume: 23Mix: 1.21%of portfolio
Place
Sound9
Cincinnati, OHMSA
Volume: 28Mix: 1.48%of portfolio
Place
Sound10
Columbus, OH, OHMSA
Volume: 25Mix: 1.32%of portfolio
Place
SoundShowing 10 of 27 metro areas
Top States by Place Specialization Score
1
NYState
Volume: 827Mix: 43.60%of portfolio
Place
Exceptional2
NJState
Volume: 248Mix: 13.07%of portfolio
Place
Strong3
PAState
Volume: 200Mix: 10.54%of portfolio
Place
Strong4
FLState
Volume: 147Mix: 7.75%of portfolio
Place
Sound5
TXState
Volume: 119Mix: 6.27%of portfolio
Place
Sound6
CTState
Volume: 45Mix: 2.37%of portfolio
Place
Sound7
SCState
Volume: 42Mix: 2.21%of portfolio
Place
Sound8
OHState
Volume: 54Mix: 2.85%of portfolio
Place
Sound9
GAState
Volume: 42Mix: 2.21%of portfolio
Place
Sound10
NVState
Volume: 19Mix: 1.00%of portfolio
Place
SoundShowing 10 of 16 states
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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.