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

2021 Data | 2020 Data | 2019 Data | 2018 Data


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 include Tulsa, Los Angeles, Kansas City, Chicago, and Riverside among others. United Fidelity Funding Corp. has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. United Fidelity Funding Corp. is typically a high fee lendor.


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 rate mortgage of loans were 3.14%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of -0.01%.

Relative Fees

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

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

Top Markets

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%
CaƱon 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.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average 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 the 2021 period, United Fidelity Funding Corp.'s most frequently originated loan type of loans were Conventional, with 2,044 originations. Their 2nd most popular type is FHA, with 1,005 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average 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 the 2021, United Fidelity Funding Corp.'s most frequently cited loan purpose of loans were Home Purchase, with 2,155 originations. The 2nd most popular reason of loans were 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 the 2021, United Fidelity Funding Corp.'s most frequently cited loan length of loans were 30 Year, with 3,047 originations. The 2nd most popular length of loans were 15 Year, with 250 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$3k-4k 806 $159,350,000 $197,705
$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

$6,925 of loans were United Fidelity Funding Corp.'s average total fees, while their most frequently occuring range of origination fees were in the $3k-4k bucket, with 806 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 of loans were 3.14%, while their most frequently originated rate bucket of loans were 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 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
98.84%

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
84.27%

United Fidelity Funding Corp. has a below 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%