We analyzed every closed loan from University Bank — 1.4k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Strong
4/5
Multi-Region · 8 mkts
Awards
VA
Champion
Conventional
Superstar
FHA
Superstar
USDA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
Explore another lender or local market
Report Card
University Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+24.1 bps above market avg
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Exceptional
Top 20% of lenders
USDA
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 9 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 | 757 | 52.3% | +0.382%Above | $2,463Fees | ||||
FHA Loans | 315 | 21.8% | +0.324%Above | $2,294Fees | ||||
VA Loans | 325 | 22.5% | -0.534%Below | $1,661Fees | ||||
USDA Loans | 47 | 3.2% | +0.235%Above | $1,579Fees |
Conventional
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume757
Mix52.3%
Spread
+0.382%Above
Fees
$2,463Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume315
Mix21.8%
Spread
+0.324%Above
Fees
$2,294Fees
VA Loans
OverallExceptional
ProductExceptional
PricingStrong
Pull ThroughExceptional
Volume325
Mix22.5%
Spread
-0.534%Below
Fees
$1,661Fees
USDA Loans
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume47
Mix3.2%
Spread
+0.235%Above
Fees
$1,579Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,389 | 96.0% | +0.229%Above | $2,319Fees | ||||
Refinance | 58 | 4.0% | +0.438%Above | $2,028Fees |
Purchase
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume1,389
Mix96.0%
Spread
+0.229%Above
Fees
$2,319Fees
Refinance
OverallSound
ProductSound
PricingAcceptable
Pull ThroughStrong
Volume58
Mix4.0%
Spread
+0.438%Above
Fees
$2,028Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,447
Applications
1,767
Volume
$437 million
Pricing & Closing
Avg Rate Spread
+0.241%
vs. market APOR
Avg Net Fees
$2,302
Origination − Credits
Pullthrough Rate
81.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$302,243
Avg Borrower Income
$114,550
Avg Property Value
$359,534
Geographic Coverage
Geographic Performance
Metro Areas
8
markets with activity
States Served
19
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
19Northeast1
PA
Midwest4
ILINKSMI
South12
ALARFLGAKYMDMSNCSCTNTXVA
West2
AZCA
Top Metro Areas by Place Specialization Score
Volume 290Mix 20.04% of portfolio
100/100
Exceptional
Volume 313Mix 21.63% of portfolio
95/100
Exceptional
Volume 129Mix 8.91% of portfolio
91/100
Exceptional
Volume 149Mix 10.30% of portfolio
88/100
Exceptional
Volume 160Mix 11.06% of portfolio
87/100
Exceptional
Volume 101Mix 6.98% of portfolio
65/100
Strong
Volume 44Mix 3.04% of portfolio
58/100
Sound
Volume 10Mix 0.69% of portfolio
43/100
SoundTop States by Place Specialization Score
1
FloridaState
Volume 796Mix 55.01% of portfolio
79/100
Strong2
MichiganState
Volume 317Mix 21.91% of portfolio
73/100
Strong3
IndianaState
Volume 270Mix 18.66% of portfolio
72/100
Strong4
AlabamaState
Volume 11Mix 0.76% of portfolio
39/100
Acceptable5
CaliforniaState
Volume 12Mix 0.83% of portfolio
36/100
Acceptable6
GeorgiaState
Volume 10Mix 0.69% of portfolio
36/100
AcceptableHow 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.