Unity Bank has 243 closed loans in our dataset — fully analyzed and benchmarked against peers 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
Strong
4/5
FHA · Conventional · Jumbo
Place
Strong
4/5
Multi-Region · 4 mkts
Summary
Things to Think About
- Rates typically 56 basis points above market average
Explore another lender or local market
Report Card
Unity Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+56.0 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Sound
Top 60% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% 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 | 210 | 86.4% | +0.558%Above | $1,880Fees | ||||
FHA Loans | — | 17 | 7.0% | +0.187%Above | $1,821Fees | |||
Jumbo Loans | — | 16 | 6.6% | +1.050%Above | $1,672Fees |
Conventional
OverallSound
ProductSound
PricingAcceptable
Pull ThroughSound
Volume210
Mix86.4%
Spread
+0.558%Above
Fees
$1,880Fees
FHA Loans
OverallSound
ProductSound
Pricing—
Pull ThroughSound
Volume17
Mix7.0%
Spread
+0.187%Above
Fees
$1,821Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume16
Mix6.6%
Spread
+1.050%Above
Fees
$1,672Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 199 | 81.9% | +0.548%Above | $1,804Fees | ||||
Refinance | 44 | 18.1% | +0.614%Above | $2,127Fees |
Purchase
OverallSound
ProductSound
PricingAcceptable
Pull ThroughSound
Volume199
Mix81.9%
Spread
+0.548%Above
Fees
$1,804Fees
Refinance
OverallSound
ProductSound
PricingAcceptable
Pull ThroughSound
Volume44
Mix18.1%
Spread
+0.614%Above
Fees
$2,127Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
243
Applications
326
Volume
$132 million
Pricing & Closing
Avg Rate Spread
+0.560%
vs. market APOR
Avg Net Fees
$1,863
Origination − Credits
Pullthrough Rate
74.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$546,399
Avg Borrower Income
$219,292
Avg Property Value
$862,037
Geographic Coverage
Geographic Performance
Metro Areas
4
markets with activity
States Served
8
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
8Northeast3
NJNYPA
South4
FLMDNCSC
West1
CO
Top Metro Areas by Place Specialization Score
Volume 96Mix 39.51% of portfolio
70/100
Strong
Volume 55Mix 22.63% of portfolio
68/100
Strong
Volume 51Mix 20.99% of portfolio
65/100
Strong
Volume 20Mix 8.23% of portfolio
55/100
SoundTop States by Place Specialization Score
1
New JerseyState
Volume 202Mix 83.13% of portfolio
78/100
Strong2
PennsylvaniaState
Volume 24Mix 9.88% of portfolio
49/100
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.