Ubank Mortgage Rates, Fees & Info
Huntington, TXLEI: 549300IVS7RAU1H3GS10
Tax ID: 75-1058562
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Mortgage Data
Review & Overview
Ubank is a smaller bank specializing in Home Purchase loans. Ubank has a high proportion of conventional loans. Their top markets by origination volume include: Tyler, Dallas, Little Rock, Killeen, and Nacogdoches among others. We have data for 21 markets. (Some data included below & more in-depth data is available with an active subscription.)Ubank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
83Origination Dollar Volume (All Markets)
$58,965,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| TYLER, TX (FHA|USDA|VA) | 33 | $23,445,000 | $710,455 | $0 | 0.00% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 9 | $10,965,000 | $1,218,333 | $0 | 0.00% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 2 | $6,140,000 | $3,070,000 | $0 | 0.00% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 2 | $2,950,000 | $1,475,000 | $0 | 0.00% |
| Nacogdoches, TX (FHA|USDA|VA) | 6 | $2,600,000 | $433,333 | $0 | 0.00% |
| Lufkin, TX (FHA|USDA|VA) | 9 | $2,345,000 | $260,556 | $0 | 0.00% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $1,685,000 | $1,685,000 | $0 | 0.00% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $1,525,000 | $1,525,000 | $0 | 0.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 3 | $1,085,000 | $361,667 | $0 | 0.00% |
| Jacksonville, TX (FHA|USDA|VA) | 4 | $1,070,000 | $267,500 | $0 | 0.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $805,000 | $805,000 | $0 | 0.00% |
| Key West, FL (FHA|USDA|VA) | 1 | $735,000 | $735,000 | $0 | 0.00% |
| Granbury, TX (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $0 | 0.00% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $0 | 0.00% |
| Outside of Metro Areas | 2 | $520,000 | $260,000 | $0 | 0.00% |
| Athens, TX (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $0 | 0.00% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $0 | 0.00% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 0.00% |
| LONGVIEW, TX (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $0 | 0.00% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 0.00% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 83 | $58,965,000 | $710,422 | $0 | 0.00% |
For 2022, Ubank's most frequently originated type of loan was Conventional, with 83 originations.
Loan Reason
For 2022, Ubank's most frequently cited loan purpose was Home Purchase, with 59 originations. The 2nd most popular reason was Cash Out Refi, with 14 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 83 | $58,965,000 | $710,422 | $0 | 0.00% |
For 2022, Ubank's most frequently cited loan duration was Other, with 83 originations.
Loan Sizing
2022 saw Ubank place emphasis on $200k-400k loans with 23 originations, totaling $6,685,000 in origination value.
Applicant Income
Ubank lent most frequently to those with incomes in the $150k-250k range, with 12 originations. The second most popular income band? $250k+, with 12 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 83 | $58,965,000 | $710,422 | $0 | 0.00% |
Ubank lent most frequently to those with DTI ratios of Exempt%, with 83 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications85.34%
Ubank has an average approval rate.
Pick Rate
Approvals leading to origination80.72%
Ubank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 83 | $58,965,000 | $710,422 |