United Trust Bank
Board Analytics Pack
Section 3 — Growth
Origination & Underwriting
February 2026
Application Funnel — Feb 2026
Approval Rate by Product
| Product | Apps | Approved | Declined | Referred | Approval % | MoM Δ | RAG |
|---|
Approval Rate by Credit Score Band
| Score Band | Apps | Approved | Approval % | Avg Loan £ | Avg Rate % | Default Rate* |
|---|
Data Collection Methods — Applications & Outcomes
| Method | Applications | % Share | Approval Rate | Default Rate* | Avg Processing |
|---|
OB Adoption
62.6%
+1.2pp MoM
OB Approval Rate
68.4%
vs 48.2% bank stmt
OB Default Rate
2.1%
vs 4.9% bank stmt
Open Banking Adoption Trend (%)
Time-to-Decision Trend (Hours)
TransUnion Cost Breakdown — Feb 2026
| Check Type | Volume | Unit Cost | Total £ | % Spend |
|---|
Decision Quality & Accuracy
Auto-Decision Rate
58.3%
+3.1pp MoM · Amber threshold 45%
Blended Accuracy
93.4%
Correct decisions / total decisioned
| Decision Type | Count | Correct | Accuracy | False+ | False− | RAG |
|---|
Underwriting Narrative — Origination & Decisions
Covers funnel conversion, Open Banking adoption, and decision quality. Edit before printing.