United Fidelity Funding Corp. Mortgage Rates, Fees & Info
Jefferson City, MOLEI: 2549007ZL90U2M5ZNA78
Tax ID: 20-5439763
2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage 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
3,453Origination Dollar Volume (All Markets)
$791,785,000Awards
United Fidelity Funding Corp. - 2021
United Fidelity Funding Corp. is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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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% |
| 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.
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 applications98.84%
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 origination84.27%
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% |
