United Fidelity Funding Corp. Mortgage Rates, Fees & Info
Jefferson City, MOLEI: 2549007ZL90U2M5ZNA78
Tax ID: 20-5439763
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Mortgage Data
Review & Overview
United Fidelity Funding Corp. is a smaller mortgage company specializing in Home Purchase loans. United Fidelity Funding Corp. has a high proportion of conventional loans. They have a a high proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Kansas City, Tulsa, Los Angeles, Riverside, and Chicago among others. We have data for 120 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 relatively high 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.00% | 4/26/24 |
| 30 Year Conventional Refi | 6.71% | 4/26/24 |
| 30 Year Cash-out Refi | 6.91% | 4/26/24 |
| 30 Year FHA Purchase | 7.58% | 4/26/24 |
| 30 Year FHA Refi | 7.79% | 4/26/24 |
| 30 Year VA Purchase | 6.64% | 4/26/24 |
| 30 Year VA Refi | 6.81% | 4/26/24 |
| 30 Year USDA Purchase | 7.13% | 4/26/24 |
| 15 Year Conventional Purchase | 6.28% | 4/26/24 |
| 15 Year Conventional Refi | 6.27% | 4/26/24 |
| 15 Year Cash-out Refi | 6.27% | 4/26/24 |
| 15 Year FHA Purchase | 6.33% | 4/26/24 |
| 15 Year VA Purchase | 6.65% | 4/26/24 |
| 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. | ||
United Fidelity Funding Corp. Mortgage Calculator
Your Estimates
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This is not an official calculator from United Fidelity Funding Corp.. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,035Origination Dollar Volume (All Markets)
$280,965,000Awards
United Fidelity Funding Corp. - 2023
United Fidelity Funding Corp. is a 2023 , due to their low .
For 2023, less than of lenders were eligible for this award.
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Relative Rate
United Fidelity Funding Corp.'s average 30 year fixed mortgage rate was
6.88%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of 0.4%.
Relative Fees (Closing Costs)
United Fidelity Funding Corp.'s average total fees/closing costs for a 30 year fixed rate
mortgage were $10,314.
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 $9,089.
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 |
|---|---|---|---|---|---|
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 202 | $51,630,000 | $255,594 | $7,763 | 7.08% |
| TULSA, OK (FHA|USDA|VA) | 199 | $42,245,000 | $212,286 | $8,756 | 6.70% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 28 | $17,730,000 | $633,214 | $19,827 | 7.55% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 32 | $13,570,000 | $424,063 | $17,706 | 7.26% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 60 | $11,920,000 | $198,667 | $7,528 | 5.45% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 31 | $11,045,000 | $356,290 | $15,500 | 6.53% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 15 | $9,315,000 | $621,000 | $21,210 | 6.78% |
| Outside of Metro Areas | 49 | $9,175,000 | $187,245 | $8,661 | 6.75% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 24 | $8,130,000 | $338,750 | $15,789 | 7.18% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 30 | $7,380,000 | $246,000 | $9,789 | 6.77% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 18 | $7,240,000 | $402,222 | $16,264 | 6.81% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 23 | $6,775,000 | $294,565 | $8,593 | 7.22% |
| Bartlesville, OK (FHA|USDA|VA) | 41 | $6,575,000 | $160,366 | $7,796 | 6.68% |
| Tahlequah, OK (FHA|USDA|VA) | 24 | $4,980,000 | $207,500 | $8,958 | 6.67% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 14 | $4,720,000 | $337,143 | $12,705 | 6.13% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 18 | $4,050,000 | $225,000 | $7,131 | 7.17% |
| STOCKTON, CA (FHA|USDA|VA) | 6 | $3,760,000 | $626,667 | $17,245 | 6.67% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 4 | $3,590,000 | $897,500 | $24,256 | 7.68% |
| PANAMA CITY, FL (FHA|USDA|VA) | 13 | $3,385,000 | $260,385 | $9,918 | 6.42% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 12 | $3,120,000 | $260,000 | $9,195 | 7.17% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 7 | $2,385,000 | $340,714 | $11,878 | 6.43% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 8 | $1,980,000 | $247,500 | $8,873 | 7.97% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 4 | $1,490,000 | $372,500 | $15,613 | 6.78% |
| Russellville, AR (FHA|USDA|VA) | 10 | $1,350,000 | $135,000 | $7,281 | 5.66% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 3 | $1,335,000 | $445,000 | $15,017 | 7.29% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 4 | $1,290,000 | $322,500 | $17,034 | 6.75% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 5 | $1,285,000 | $257,000 | $9,964 | 7.18% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 3 | $1,185,000 | $395,000 | $14,464 | 7.71% |
| Ponca City, OK (FHA|USDA|VA) | 8 | $1,090,000 | $136,250 | $6,943 | 6.57% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $1,035,000 | $1,035,000 | $7,359 | 7.13% |
| Muskogee, OK (FHA|USDA|VA) | 7 | $1,025,000 | $146,429 | $7,062 | 6.89% |
| Stillwater, OK (FHA|USDA|VA) | 5 | $1,005,000 | $201,000 | $6,622 | 7.08% |
| Durango, CO (FHA|USDA|VA) | 1 | $915,000 | $915,000 | $20,078 | 7.63% |
| NILES, MI (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $23,796 | 6.81% |
| LINCOLN, NE (FHA|USDA|VA) | 4 | $860,000 | $215,000 | $5,916 | 7.22% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $16,143 | 7.19% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $11,209 | 7.69% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $775,000 | $775,000 | $30,445 | 6.63% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $745,000 | $745,000 | $20,912 | 8.25% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $7,578 | 6.81% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $14,525 | 7.38% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $3,840 | 6.50% |
| Coffeyville, KS (FHA|USDA|VA) | 6 | $720,000 | $120,000 | $6,562 | 7.19% |
| RAPID CITY, SD (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $17,163 | 7.25% |
| Ottawa, KS (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $12,708 | 6.88% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $9,646 | 7.13% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $26,272 | 9.50% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $10,721 | 6.25% |
| WICHITA, KS (FHA|USDA|VA) | 5 | $635,000 | $127,000 | $5,772 | 6.70% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $18,475 | 6.13% |
| Miami, OK (FHA|USDA|VA) | 6 | $570,000 | $95,000 | $6,221 | 6.73% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $14,187 | 6.88% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $11,439 | 7.99% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $14,058 | 6.63% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $22,448 | 6.75% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $24,808 | 8.25% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $10,990 | 6.38% |
| Beatrice, NE (FHA|USDA|VA) | 4 | $450,000 | $112,500 | $5,260 | 6.93% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $6,706 | 7.06% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $11,580 | 6.75% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $24,347 | 5.75% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $11,625 | 6.88% |
| Weatherford, OK (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $12,029 | 7.25% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $7,914 | 6.88% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $15,286 | 5.50% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $7,842 | 6.38% |
| ENID, OK (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $7,920 | 6.44% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $10,432 | 6.63% |
| GADSDEN, AL (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $15,376 | 6.99% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $18,136 | 7.25% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $13,485 | 6.75% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,764 | 6.63% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $15,675 | 7.50% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $12,379 | 6.13% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $18,837 | 7.25% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $12,786 | 7.63% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $12,857 | 6.25% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $10,192 | 7.50% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $18,874 | 6.88% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $13,226 | 6.63% |
| Duncan, OK (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $15,155 | 6.50% |
| LUBBOCK, TX (FHA|USDA|VA) | 3 | $325,000 | $108,333 | $6,789 | 8.00% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $16,003 | 7.75% |
| COLUMBUS, IN (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $5,910 | 7.13% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $15,014 | 6.63% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $11,261 | 6.88% |
| Thomasville, GA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $15,031 | 6.25% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $11,908 | 7.62% |
| Winfield, KS (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $7,530 | 7.19% |
| Ardmore, OK (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $12,713 | 7.63% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $10,766 | 5.50% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $9,676 | 6.63% |
| READING, PA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $13,168 | 6.63% |
| Atchison, KS (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $5,836 | 7.44% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,607 | 7.38% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,529 | 7.63% |
| LAWRENCE, KS (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,904 | 6.99% |
| Warrensburg, MO (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $5,657 | 7.25% |
| Hannibal, MO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,523 | 6.99% |
| LAWTON, OK (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $5,500 | 6.94% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,462 | 6.88% |
| Ottawa, IL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $11,005 | 7.75% |
| Bay City, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,041 | 7.25% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $11,694 | 7.63% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $9,804 | 7.25% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $10,854 | 6.13% |
| Hutchinson, KS (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,739 | 6.00% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $10,834 | 5.50% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,225 | 6.50% |
| Plainview, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,344 | 7.25% |
| Malvern, AR (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,856 | 6.88% |
| Aberdeen, WA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $9,432 | 8.62% |
| Magnolia, AR (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,816 | 6.38% |
| Woodward, OK (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,971 | 6.13% |
| Parsons, KS (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $6,398 | 7.75% |
| Salina, KS (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,804 | 6.88% |
| OCALA, FL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $6,487 | 5.50% |
| Altus, OK (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $6,072 | 6.63% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $1,305 | 6.75% |
| Big Stone Gap, VA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,256 | 7.13% |
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Product Mix
For 2023, United Fidelity Funding Corp.'s most frequently originated type of loan was Conventional, with 506 originations. Their 2nd most popular type was FHA, with 417 originations.
Loan Reason
For 2023, United Fidelity Funding Corp.'s most frequently cited loan purpose was Home Purchase, with 936 originations. The 2nd most popular reason was Cash Out Refi, with 71 originations.
Loan Duration/Length
For 2023, United Fidelity Funding Corp.'s most frequently cited loan duration was 30 Year, with 992 originations. The 2nd most popular length was 15 Year, with 13 originations.
Origination Fees/Closing Costs
United Fidelity Funding Corp.'s average total fees were $10,314, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 440 originations.
Interest Rates
During 2023, United Fidelity Funding Corp.'s average interest rate for loans was 6.88%, while their most frequently originated rate bucket for loans was 6-7%, with 541 originations.
Loan Sizing
2023 saw United Fidelity Funding Corp. place emphasis on $200k-400k loans with 453 originations, totaling $128,065,000 in origination value.
Applicant Income
United Fidelity Funding Corp. lent most frequently to those with incomes in the $50k-75k range, with 251 originations. The second most popular income band? $75k-100k, with 235 originations.
Applicant Debt to Income Ratio
United Fidelity Funding Corp. lent most frequently to those with DTI ratios of 50-60%, with 180 originations. The next most common DTI ratio? 30-36%, with 138 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.11%
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 origination74.49%
United Fidelity Funding Corp. has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,035 | $280,965,000 | $271,464 |