United Fidelity Funding Corp. Mortgage Rates, Fees & Info

Jefferson City, MO

LEI: 2549007ZL90U2M5ZNA78

Tax ID: 20-5439763

2.9 stars - out of 5 stars, based on 59 reviews

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

Jump to:

Mortgage Data

  • SimulatedRates™
  • Review & Overview

    United Fidelity Funding Corp. is a smaller mortgage company specializing in Home Purchase and Refi loans. United Fidelity Funding Corp. has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Tulsa, Los Angeles, Kansas City, Chicago, and Riverside among others. We have data for 173 markets. (Some data included below & more in-depth data is available with an active subscription.)

    United Fidelity Funding Corp. has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. United Fidelity Funding Corp. is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.84% 1/29/23
    30 Year Conventional Refi 6.51% 1/29/23
    30 Year Cash-out Refi 6.64% 1/29/23
    30 Year FHA Purchase 7.53% 1/29/23
    30 Year FHA Refi 6.94% 1/29/23
    30 Year VA Purchase 6.56% 1/29/23
    30 Year VA Refi 6.05% 1/29/23
    30 Year USDA Purchase 6.98% 1/29/23
    30 Year USDA Refi 6.93% 1/29/23
    15 Year Conventional Purchase 6.31% 1/29/23
    15 Year Conventional Refi 6.08% 1/29/23
    15 Year Cash-out Refi 6.08% 1/29/23
    15 Year FHA Purchase 6.84% 1/29/23
    15 Year FHA Refi 6.86% 1/29/23
    15 Year VA Refi 6.17% 1/29/23
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.


    Originations

    3,453

    Origination Dollar Volume (All Markets)

    $791,785,000
    Show all (9) awards

    Relative Rate

    United Fidelity Funding Corp.'s average 30 year fixed mortgage rate was 3.14%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.01%.

    Relative Fees (Closing Costs)

    United Fidelity Funding Corp.'s average total fees/closing costs for a 30 year fixed rate mortgage were $6,925.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    Top 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
    TULSA, OK (FHA|USDA|VA) 548 $111,920,000 $204,234 $6,576 3.16%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 238 $99,560,000 $418,319 $10,011 3.00%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 413 $96,005,000 $232,458 $4,774 2.98%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 460 $94,660,000 $205,783 $6,634 3.20%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 170 $54,940,000 $323,176 $7,792 2.99%
    Outside of Metro Areas 292 $50,730,000 $173,733 $6,199 3.15%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 143 $31,955,000 $223,462 $6,340 3.17%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 63 $16,025,000 $254,365 $7,194 3.39%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 69 $15,005,000 $217,464 $8,193 3.09%
    Bartlesville, OK (FHA|USDA|VA) 113 $14,905,000 $131,903 $6,960 3.14%
    LINCOLN, NE (FHA|USDA|VA) 66 $13,510,000 $204,697 $3,478 2.99%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 42 $10,590,000 $252,143 $4,545 3.16%
    PANAMA CITY, FL (FHA|USDA|VA) 38 $10,300,000 $271,053 $10,780 3.03%
    STOCKTON, CA (FHA|USDA|VA) 25 $8,845,000 $353,800 $7,011 3.00%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 30 $8,430,000 $281,000 $4,590 2.99%
    Liberal, KS (FHA|USDA|VA) 49 $8,415,000 $171,735 $5,853 2.71%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 31 $8,365,000 $269,839 $6,401 2.90%
    Tahlequah, OK (FHA|USDA|VA) 48 $7,770,000 $161,875 $7,165 3.17%
    WICHITA, KS (FHA|USDA|VA) 40 $6,450,000 $161,250 $5,196 3.08%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 17 $5,005,000 $294,412 $8,578 3.31%
    Russellville, AR (FHA|USDA|VA) 32 $4,690,000 $146,563 $5,896 2.54%
    Ponca City, OK (FHA|USDA|VA) 35 $4,505,000 $128,714 $7,301 3.10%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 12 $4,380,000 $365,000 $6,656 2.95%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 12 $4,130,000 $344,167 $7,905 2.94%
    Guymon, OK (FHA|USDA|VA) 21 $3,915,000 $186,429 $7,232 2.74%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 14 $3,650,000 $260,714 $6,760 3.06%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 16 $3,610,000 $225,625 $3,750 3.02%
    Miami, OK (FHA|USDA|VA) 26 $3,160,000 $121,538 $5,152 3.30%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 15 $3,055,000 $203,667 $4,490 2.83%
    Winfield, KS (FHA|USDA|VA) 27 $2,815,000 $104,259 $6,273 3.14%
    BAKERSFIELD, CA (FHA|USDA|VA) 10 $2,730,000 $273,000 $8,865 2.90%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 10 $2,680,000 $268,000 $5,619 3.24%
    LAWTON, OK (FHA|USDA|VA) 17 $2,475,000 $145,588 $6,841 3.04%
    FORT SMITH, AR-OK (FHA|USDA|VA) 12 $2,390,000 $199,167 $7,227 3.14%
    MODESTO, CA (FHA|USDA|VA) 6 $2,220,000 $370,000 $8,308 3.13%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 7 $2,065,000 $295,000 $7,411 3.27%
    Muskogee, OK (FHA|USDA|VA) 12 $2,000,000 $166,667 $5,751 3.23%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 4 $1,910,000 $477,500 $6,675 2.96%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 5 $1,535,000 $307,000 $9,114 3.15%
    MANHATTAN, KS (FHA|USDA|VA) 6 $1,350,000 $225,000 $3,339 3.17%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 3 $1,335,000 $445,000 $12,452 3.00%
    COLUMBUS, OH (FHA|USDA|VA) 5 $1,335,000 $267,000 $7,213 3.00%
    Kearney, NE (FHA|USDA|VA) 6 $1,260,000 $210,000 $3,935 2.65%
    PINE BLUFF, AR (FHA|USDA|VA) 10 $1,200,000 $120,000 $3,843 2.65%
    LAWRENCE, KS (FHA|USDA|VA) 5 $1,195,000 $239,000 $4,960 2.90%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 3 $1,165,000 $388,333 $8,516 2.67%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 4 $1,160,000 $290,000 $3,233 2.72%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 2 $1,130,000 $565,000 $9,771 2.94%
    Stillwater, OK (FHA|USDA|VA) 7 $1,125,000 $160,714 $4,503 2.93%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 3 $995,000 $331,667 $6,416 3.54%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 3 $985,000 $328,333 $12,365 3.25%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 5 $935,000 $187,000 $5,623 3.10%
    KANKAKEE, IL (FHA|USDA|VA) 5 $905,000 $181,000 $5,894 3.17%
    Glenwood Springs, CO (FHA|USDA|VA) 2 $900,000 $450,000 $8,129 2.93%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 2 $900,000 $450,000 $12,731 3.38%
    TOPEKA, KS (FHA|USDA|VA) 4 $890,000 $222,500 $7,775 2.97%
    JACKSONVILLE, FL (FHA|USDA|VA) 3 $865,000 $288,333 $8,590 3.04%
    OCALA, FL (FHA|USDA|VA) 3 $865,000 $288,333 $9,677 3.21%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 4 $860,000 $215,000 $4,987 3.13%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 4 $850,000 $212,500 $4,773 4.13%
    RALEIGH-CARY, NC (FHA|USDA|VA) 3 $825,000 $275,000 $9,929 3.13%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 4 $820,000 $205,000 $6,764 3.38%
    Seneca, SC (FHA|USDA|VA) 1 $795,000 $795,000 $20,120 3.63%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 2 $780,000 $390,000 $8,423 3.31%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 4 $770,000 $192,500 $6,532 3.13%
    Traverse City, MI (FHA|USDA|VA) 1 $765,000 $765,000 $5,025 3.00%
    Hutchinson, KS (FHA|USDA|VA) 5 $705,000 $141,000 $4,765 2.83%
    RACINE, WI (FHA|USDA|VA) 5 $665,000 $133,000 $4,079 3.48%
    Beatrice, NE (FHA|USDA|VA) 2 $650,000 $325,000 $2,563 2.88%
    Salina, KS (FHA|USDA|VA) 4 $640,000 $160,000 $3,944 2.78%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 3 $635,000 $211,667 $6,774 3.33%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $635,000 $635,000 $2,861 3.00%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 3 $605,000 $201,667 $7,434 3.46%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 2 $590,000 $295,000 $9,154 3.44%
    Warrensburg, MO (FHA|USDA|VA) 2 $580,000 $290,000 $6,831 2.69%
    WACO, TX (FHA|USDA|VA) 3 $575,000 $191,667 $4,714 3.29%
    Shawnee, OK (FHA|USDA|VA) 3 $575,000 $191,667 $5,537 3.33%
    VALLEJO, CA (FHA|USDA|VA) 2 $560,000 $280,000 $3,283 3.19%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $560,000 $280,000 $5,343 3.69%
    Coffeyville, KS (FHA|USDA|VA) 7 $555,000 $79,286 $4,897 3.43%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 2 $550,000 $275,000 $5,313 3.63%
    ENID, OK (FHA|USDA|VA) 1 $545,000 $545,000 $6,597 2.75%
    GRAND JUNCTION, CO (FHA|USDA|VA) 2 $540,000 $270,000 $10,642 3.19%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 3 $515,000 $171,667 $6,581 3.08%
    SPRINGFIELD, MO (FHA|USDA|VA) 2 $510,000 $255,000 $8,477 2.81%
    VISALIA, CA (FHA|USDA|VA) 2 $500,000 $250,000 $7,854 3.25%
    McAlester, OK (FHA|USDA|VA) 2 $490,000 $245,000 $11,526 3.44%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 2 $470,000 $235,000 $9,578 3.44%
    COLUMBIA, MO (FHA|USDA|VA) 2 $460,000 $230,000 $3,676 3.44%
    Kirksville, MO (FHA|USDA|VA) 3 $455,000 $151,667 $2,431 3.42%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $440,000 $220,000 $6,251 3.63%
    Emporia, KS (FHA|USDA|VA) 3 $435,000 $145,000 $4,658 2.92%
    SAVANNAH, GA (FHA|USDA|VA) 2 $430,000 $215,000 $3,051 3.25%
    Cañon City, CO (FHA|USDA|VA) 1 $425,000 $425,000 $6,204 2.50%
    RICHMOND, VA (FHA|USDA|VA) 1 $415,000 $415,000 $20,162 2.88%
    Frankfort, IN (FHA|USDA|VA) 1 $385,000 $385,000 $3,750 2.75%
    PEORIA, IL (FHA|USDA|VA) 1 $385,000 $385,000 $3,522 3.50%
    Kerrville, TX (FHA|USDA|VA) 1 $375,000 $375,000 $5,149 2.63%
    Lexington, NE (FHA|USDA|VA) 2 $370,000 $185,000 $3,546 3.56%
    Ada, OK (FHA|USDA|VA) 2 $360,000 $180,000 $8,246 2.94%
    ROCKFORD, IL (FHA|USDA|VA) 2 $360,000 $180,000 $8,901 3.75%
    FORT COLLINS, CO (FHA|USDA|VA) 1 $355,000 $355,000 $10,243 2.75%
    JEFFERSON CITY, MO (FHA|USDA|VA) 1 $345,000 $345,000 $3,493 3.25%
    FORT WAYNE, IN (FHA|USDA|VA) 3 $345,000 $115,000 $5,040 3.63%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $345,000 $345,000 $5,030 2.99%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $345,000 $345,000 $7,531 3.38%
    Ottawa, KS (FHA|USDA|VA) 1 $335,000 $335,000 $8,468 2.50%
    Athens, TN (FHA|USDA|VA) 1 $325,000 $325,000 $8,990 3.13%
    McPherson, KS (FHA|USDA|VA) 2 $320,000 $160,000 $5,708 3.63%
    SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 2 $320,000 $160,000 $4,888 3.25%
    CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $305,000 $305,000 $8,719 3.25%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $305,000 $305,000 $13,244 2.88%
    Duncan, OK (FHA|USDA|VA) 1 $295,000 $295,000 $8,583 2.88%
    FAYETTEVILLE, NC (FHA|USDA|VA) 1 $295,000 $295,000 $8,119 3.13%
    Alice, TX (FHA|USDA|VA) 1 $295,000 $295,000 $10,393 2.75%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $285,000 $285,000 $9,512 3.75%
    MADERA, CA (FHA|USDA|VA) 1 $285,000 $285,000 $10,044 2.50%
    MANSFIELD, OH (FHA|USDA|VA) 1 $275,000 $275,000 $8,200 3.13%
    WINCHESTER, VA-WV (FHA|USDA|VA) 1 $275,000 $275,000 $8,236 2.75%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $275,000 $275,000 $4,545 3.38%
    AMARILLO, TX (FHA|USDA|VA) 1 $275,000 $275,000 $14,742 3.25%
    Newberry, SC (FHA|USDA|VA) 1 $275,000 $275,000 $2,595 2.75%
    Farmington, MO (FHA|USDA|VA) 2 $270,000 $135,000 $1,474 2.88%
    Fremont, NE (FHA|USDA|VA) 2 $270,000 $135,000 $2,216 2.75%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $265,000 $265,000 $5,099 2.38%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $265,000 $265,000 $6,459 3.38%
    Hastings, NE (FHA|USDA|VA) 1 $265,000 $265,000 $4,027 2.63%
    Campbellsville, KY (FHA|USDA|VA) 1 $255,000 $255,000 $3,227 2.75%
    LYNCHBURG, VA (FHA|USDA|VA) 1 $245,000 $245,000 $7,242 3.25%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $245,000 $245,000 $3,737 3.00%
    Corsicana, TX (FHA|USDA|VA) 1 $245,000 $245,000 $6,379 3.63%
    KNOXVILLE, TN (FHA|USDA|VA) 1 $245,000 $245,000 $8,172 3.50%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $225,000 $225,000 $8,374 3.75%
    Pahrump, NV (FHA|USDA|VA) 1 $225,000 $225,000 $6,234 2.88%
    DUBUQUE, IA (FHA|USDA|VA) 1 $225,000 $225,000 $9,962 3.63%
    St. Marys, GA (FHA|USDA|VA) 1 $215,000 $215,000 $1,796 2.25%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $215,000 $215,000 $6,661 2.75%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $215,000 $215,000 $7,236 3.13%
    ROCHESTER, MN (FHA|USDA|VA) 1 $205,000 $205,000 $4,015 3.37%
    GAINESVILLE, FL (FHA|USDA|VA) 1 $205,000 $205,000 $8,233 4.00%
    Arcadia, FL (FHA|USDA|VA) 1 $205,000 $205,000 $2,890 3.63%
    WINSTON-SALEM, NC (FHA|USDA|VA) 1 $205,000 $205,000 $6,386 3.25%
    North Platte, NE (FHA|USDA|VA) 1 $205,000 $205,000 $2,541 2.63%
    BURLINGTON, NC (FHA|USDA|VA) 1 $195,000 $195,000 $7,825 2.88%
    Garden City, KS (FHA|USDA|VA) 1 $195,000 $195,000 $5,168 3.25%
    TALLAHASSEE, FL (FHA|USDA|VA) 1 $195,000 $195,000 $6,860 3.25%
    FARMINGTON, NM (FHA|USDA|VA) 1 $185,000 $185,000 $8,244 3.75%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $185,000 $185,000 $3,369 2.75%
    Rochelle, IL (FHA|USDA|VA) 1 $185,000 $185,000 $6,793 2.75%
    Ashtabula, OH (FHA|USDA|VA) 1 $185,000 $185,000 $7,469 2.88%
    Whitewater, WI (FHA|USDA|VA) 1 $185,000 $185,000 $3,239 4.13%
    HOT SPRINGS, AR (FHA|USDA|VA) 1 $175,000 $175,000 $3,729 2.75%
    CLEVELAND, TN (FHA|USDA|VA) 1 $175,000 $175,000 $3,823 2.75%
    Effingham, IL (FHA|USDA|VA) 1 $175,000 $175,000 $1,635 2.63%
    MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $165,000 $165,000 $4,915 3.50%
    Palestine, TX (FHA|USDA|VA) 1 $165,000 $165,000 $5,506 4.13%
    Durant, OK (FHA|USDA|VA) 1 $155,000 $155,000 $4,731 3.13%
    IOWA CITY, IA (FHA|USDA|VA) 1 $155,000 $155,000 $4,823 2.25%
    FRESNO, CA (FHA|USDA|VA) 1 $145,000 $145,000 $2,989 3.25%
    BRUNSWICK, GA (FHA|USDA|VA) 1 $135,000 $135,000 $5,782 2.25%
    Magnolia, AR (FHA|USDA|VA) 1 $135,000 $135,000 $5,370 2.50%
    Woodward, OK (FHA|USDA|VA) 1 $125,000 $125,000 $3,265 2.50%
    Parsons, KS (FHA|USDA|VA) 1 $115,000 $115,000 $5,937 2.75%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $115,000 $115,000 $5,006 2.50%
    Hays, KS (FHA|USDA|VA) 1 $105,000 $105,000 $3,742 2.88%
    Holland, MI (FHA|USDA|VA) 1 $105,000 $105,000 $3,725 3.50%
    Dodge City, KS (FHA|USDA|VA) 1 $95,000 $95,000 $4,454 2.75%
    Great Bend, KS (FHA|USDA|VA) 1 $95,000 $95,000 $3,140 2.75%
    Pittsburg, KS (FHA|USDA|VA) 1 $75,000 $75,000 $3,308 3.25%
    COLUMBIA, SC (FHA|USDA|VA) 1 $75,000 $75,000 $5,314 2.75%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $75,000 $75,000 $2,408 3.25%
    Branson, MO (FHA|USDA|VA) 1 $65,000 $65,000 $2,894 3.00%
    Pampa, TX (FHA|USDA|VA) 1 $55,000 $55,000 $3,538 2.50%
    United Fidelity Funding Corp.'s top markets include Tulsa, Los Angeles, Kansas City, Chicago, and Riverside among others.

    Their top states include:
  • Oklahoma (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Kansas (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against United Fidelity Funding Corp. based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    GOLDEN PLAINS
    Similarity Rank: 136
    Members Mortgage Services, L.L.C.
    Similarity Rank: 220
    SKYWARD
    Similarity Rank: 240
    PANHANDLE FEDERAL CREDIT UNION
    Similarity Rank: 264
    Town & Country Bank
    Similarity Rank: 328
    Christian Community Credit Union
    Similarity Rank: 354
    RED CROWN
    Similarity Rank: 360
    Central National Bank
    Similarity Rank: 363

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,044 $492,150,000 $240,778 $5,378 3.12%
    FHA 1,005 $211,835,000 $210,781 $8,691 3.08%
    USDA 205 $29,125,000 $142,073 $6,372 3.02%
    VA 199 $58,675,000 $294,849 $8,237 2.96%

    For 2021, United Fidelity Funding Corp.'s most frequently originated type of loan was Conventional, with 2,044 originations. Their 2nd most popular type was FHA, with 1,005 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,155 $472,875,000 $219,432 $7,097 3.17%
    Refi 754 $181,600,000 $240,849 $4,992 2.87%
    Cash Out Refi 544 $137,310,000 $252,408 $6,645 3.11%

    For 2021, United Fidelity Funding Corp.'s most frequently cited loan purpose was Home Purchase, with 2,155 originations. The 2nd most popular reason was Refi, with 754 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 3,047 $722,305,000 $237,054 $6,925 3.14%
    15 Year 250 $46,320,000 $185,280 $4,264 2.56%
    20 Year 74 $14,880,000 $201,081 $4,705 2.98%
    5 Year 39 $195,000 $5,000 $108 3.25%
    Other 24 $5,340,000 $222,500 $4,136 2.86%
    10 Year 18 $2,050,000 $113,889 $2,179 2.74%
    30+ year 1 $695,000 $695,000 $14,477 3.99%

    For 2021, United Fidelity Funding Corp.'s most frequently cited loan duration was 30 Year, with 3,047 originations. The 2nd most popular length was 15 Year, with 250 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 746 $157,260,000 $210,804
    $<1k 739 $158,045,000 $213,863
    $5k+ 616 $209,530,000 $340,146
    $2k-3k 537 $105,815,000 $197,048
    $3k-4k 508 $91,960,000 $181,024
    $4k-5k 298 $67,390,000 $226,141

    United Fidelity Funding Corp.'s average total fees were $6,925, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 746 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,793 $396,175,000 $220,956
    2.5-3% 1,250 $301,910,000 $241,528
    <2.5% 355 $80,755,000 $227,479
    4-5% 53 $12,505,000 $235,943
    5-6% 2 $440,000 $220,000

    During 2021, United Fidelity Funding Corp.'s average interest rate for loans was 3.14%, while their most frequently originated rate bucket for loans was 3-4%, with 1,793 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,437 $398,115,000 $277,046 $7,455 3.08%
    $100k-200k 1,290 $194,170,000 $150,519 $5,422 3.09%
    $100,000 or less 397 $28,085,000 $70,743 $3,997 3.19%
    $400k-600k 284 $135,660,000 $477,676 $9,559 3.03%
    $600k-1MM 41 $29,465,000 $718,659 $14,324 3.23%
    $1MM+ 4 $6,290,000 $1,572,500 $19,021 3.25%

    2021 saw United Fidelity Funding Corp. place emphasis on $200k-400k loans with 1,437 originations, totaling $398,115,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 1,016 $209,010,000 $205,719 $6,546 3.10%
    $50k or less 930 $142,150,000 $152,849 $5,960 3.11%
    $75k-100k 602 $156,180,000 $259,435 $6,976 3.09%
    $100k-150k 537 $159,565,000 $297,142 $7,242 3.09%
    $150k-250k 267 $83,655,000 $313,315 $6,616 3.11%
    $250k+ 72 $30,100,000 $418,056 $6,775 3.06%

    United Fidelity Funding Corp. lent most frequently to those with incomes in the $50k-75k range, with 1,016 originations. The second most popular income band? $50k or less, with 930 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 618 $132,740,000 $214,790 $6,132 3.12%
    20-30% 584 $117,670,000 $201,490 $5,310 3.04%
    <20% 300 $61,010,000 $203,367 $4,518 2.97%
    50-60% 256 $63,860,000 $249,453 $9,660 3.04%
    40% 161 $38,345,000 $238,168 $6,750 3.09%
    44% 154 $39,340,000 $255,455 $7,015 3.18%
    41% 142 $35,340,000 $248,873 $7,053 3.13%
    42% 130 $32,420,000 $249,385 $6,962 3.15%
    43% 130 $31,910,000 $245,462 $7,413 3.19%
    38% 124 $27,200,000 $219,355 $6,595 3.12%
    47% 119 $30,175,000 $253,571 $7,467 3.10%
    39% 115 $24,055,000 $209,174 $6,742 3.18%
    48% 115 $31,625,000 $275,000 $8,517 3.07%
    49% 112 $32,550,000 $290,625 $7,531 3.15%
    46% 102 $26,180,000 $256,667 $6,878 3.13%
    37% 97 $22,185,000 $228,711 $5,973 3.10%
    36% 97 $21,125,000 $217,784 $6,698 3.09%
    45% 91 $21,845,000 $240,055 $7,076 3.20%
    >60% 6 $2,210,000 $368,333 $6,013 3.46%

    United Fidelity Funding Corp. lent most frequently to those with DTI ratios of 30-36%, with 618 originations. The next most common DTI ratio? 20-30%, with 584 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,794 $626,370,000 $224,184 $6,373 3.09%
    Not provided 289 $80,055,000 $277,007 $7,322 3.06%
    Black 172 $42,980,000 $249,884 $7,938 3.21%
    American Indian 119 $20,505,000 $172,311 $6,842 3.13%
    Asian 70 $19,510,000 $278,714 $6,995 3.07%
    Native Hawaiian or Islander 8 $2,180,000 $272,500 $9,305 3.25%
    Vietnamese 1 $185,000 $185,000 $5,594 3.00%

    Approval Rates

    Total approvals of all applications
    99.12%

    United Fidelity Funding Corp. has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    88.88%

    United Fidelity Funding Corp. has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 3,453 $791,785,000 $229,304

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    3,453 $791,785,000 $229,304

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 104 $17,450,000 $167,788 $4,565 2.87%
    40-60% 308 $71,090,000 $230,812 $4,944 2.91%
    60-80% 918 $227,040,000 $247,320 $5,772 3.12%
    80-100% 2,026 $462,310,000 $228,189 $7,257 3.12%
    Over 100% 47 $13,235,000 $281,596 $13,792 3.03%
    Under 20% 50 $660,000 $13,200 $492 3.21%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    UNITED FIDELITY FUNDING, CORP FHA mortgage Closing on a mortgage 1 50.0%
    UNITED FIDELITY FUNDING, CORP Conventional home mortgage Closing on a mortgage 1 50.0%