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 and Cash Out Refi 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: Los Angeles, Riverside, Kansas City, Chicago, and Tulsa among others. We have data for 111 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 low 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.00% | 12/17/24 |
| 30 Year Conventional Refi | 6.71% | 12/17/24 |
| 30 Year Cash-out Refi | 6.91% | 12/17/24 |
| 30 Year FHA Purchase | 7.58% | 12/17/24 |
| 30 Year FHA Refi | 7.79% | 12/17/24 |
| 30 Year VA Purchase | 6.64% | 12/17/24 |
| 30 Year VA Refi | 6.81% | 12/17/24 |
| 30 Year USDA Purchase | 7.13% | 12/17/24 |
| 15 Year Conventional Purchase | 6.28% | 12/17/24 |
| 15 Year Conventional Refi | 6.27% | 12/17/24 |
| 15 Year Cash-out Refi | 6.27% | 12/17/24 |
| 15 Year FHA Purchase | 6.33% | 12/17/24 |
| 15 Year VA Purchase | 6.65% | 12/17/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,798Origination Dollar Volume (All Markets)
$461,600,000Top 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 |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 466 | $175,230,000 | $376,030 | $0 | 4.79% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 177 | $55,015,000 | $310,819 | $972 | 4.79% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 236 | $47,900,000 | $202,966 | $0 | 4.82% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 158 | $33,800,000 | $213,924 | $1,657 | 5.08% |
| TULSA, OK (FHA|USDA|VA) | 173 | $26,995,000 | $156,040 | $0 | 5.09% |
| LINCOLN, NE (FHA|USDA|VA) | 53 | $10,795,000 | $203,679 | $0 | 4.95% |
| Outside of Metro Areas | 71 | $10,345,000 | $145,704 | $0 | 4.93% |
| STOCKTON, CA (FHA|USDA|VA) | 33 | $8,895,000 | $269,545 | $0 | 4.83% |
| WICHITA, KS (FHA|USDA|VA) | 59 | $8,115,000 | $137,542 | $0 | 4.67% |
| MODESTO, CA (FHA|USDA|VA) | 27 | $6,855,000 | $253,889 | $0 | 4.76% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 14 | $6,090,000 | $435,000 | $0 | 5.03% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 25 | $5,935,000 | $237,400 | $0 | 5.04% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 17 | $4,995,000 | $293,824 | $0 | 4.90% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 9 | $3,275,000 | $363,889 | $0 | 4.83% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 10 | $2,760,000 | $276,000 | $0 | 4.95% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 17 | $2,755,000 | $162,059 | $0 | 4.43% |
| Russellville, AR (FHA|USDA|VA) | 19 | $2,705,000 | $142,368 | $0 | 4.01% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 10 | $2,470,000 | $247,000 | $0 | 4.78% |
| VALLEJO, CA (FHA|USDA|VA) | 8 | $2,450,000 | $306,250 | $0 | 4.50% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 10 | $1,680,000 | $168,000 | $0 | 4.68% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 8 | $1,600,000 | $200,000 | $0 | 5.02% |
| LAWTON, OK (FHA|USDA|VA) | 10 | $1,600,000 | $160,000 | $0 | 4.84% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 4 | $1,600,000 | $400,000 | $0 | 4.72% |
| MERCED, CA (FHA|USDA|VA) | 6 | $1,560,000 | $260,000 | $0 | 5.06% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 7 | $1,225,000 | $175,000 | $0 | 5.00% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 7 | $1,195,000 | $170,714 | $0 | 4.89% |
| New Philadelphia-Dover, OH (FHA|USDA|VA) | 8 | $1,130,000 | $141,250 | $0 | 5.16% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 5 | $1,035,000 | $207,000 | $0 | 3.90% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 5 | $1,015,000 | $203,000 | $0 | 4.78% |
| KNOXVILLE, TN (FHA|USDA|VA) | 3 | $995,000 | $331,667 | $0 | 4.33% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 3 | $995,000 | $331,667 | $0 | 4.58% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 4 | $970,000 | $242,500 | $0 | 4.91% |
| TOPEKA, KS (FHA|USDA|VA) | 5 | $945,000 | $189,000 | $0 | 4.70% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 2 | $940,000 | $470,000 | $0 | 4.75% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $0 | 5.00% |
| Warrensburg, MO (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $0 | 4.88% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $0 | 4.54% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $0 | 4.31% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 5 | $665,000 | $133,000 | $0 | 5.35% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $0 | 5.00% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $0 | 4.71% |
| Salina, KS (FHA|USDA|VA) | 5 | $665,000 | $133,000 | $0 | 5.28% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $0 | 4.81% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $1,690 | 5.25% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $0 | 4.75% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $0 | 5.88% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $0 | 5.00% |
| Tahlequah, OK (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $0 | 4.81% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $0 | 4.75% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $0 | 4.69% |
| THE VILLAGES, FL (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $0 | 5.50% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $0 | 4.69% |
| JOPLIN, MO (FHA|USDA|VA) | 4 | $450,000 | $112,500 | $0 | 4.84% |
| PEORIA, IL (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $0 | 4.63% |
| Parsons, KS (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $0 | 4.50% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $0 | 5.38% |
| PINE BLUFF, AR (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $0 | 4.33% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $0 | 4.88% |
| Muskogee, OK (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $0 | 5.38% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 4.25% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $0 | 4.69% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $0 | 4.25% |
| Garden City, KS (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $0 | 4.88% |
| Ottawa, KS (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $0 | 4.44% |
| LAWRENCE, KS (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $0 | 4.94% |
| MUSKEGON, MI (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 5.00% |
| Miami, OK (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $0 | 5.44% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 4.75% |
| Beatrice, NE (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $0 | 4.79% |
| Burlington, IA-IL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $0 | 4.94% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 4.50% |
| COLUMBIA, MO (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 4.50% |
| CHICO, CA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 4.25% |
| Red Wing, MN (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $0 | 4.44% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 4.25% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 5.25% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 4.50% |
| Weatherford, OK (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 5.75% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 5.25% |
| Malvern, AR (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $0 | 4.44% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 4.88% |
| Coffeyville, KS (FHA|USDA|VA) | 3 | $225,000 | $75,000 | $0 | 5.04% |
| ENID, OK (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 5.25% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 4.63% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 5.00% |
| OCALA, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 4.88% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 5.63% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 4.25% |
| Kearney, NE (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 5.00% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 4.88% |
| McPherson, KS (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $0 | 5.38% |
| Ottawa, IL (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $0 | 5.44% |
| North Platte, NE (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 4.88% |
| VICTORIA, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 5.25% |
| Sonora, CA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 5.38% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $0 | 4.19% |
| Bartlesville, OK (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 5.13% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 5.25% |
| Maryville, MO (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 4.00% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 5.50% |
| Atchison, KS (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 4.75% |
| BANGOR, ME (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 5.75% |
| Ada, OK (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 5.25% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 5.25% |
| Shawnee, OK (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 5.13% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 4.88% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 4.13% |
| Pontiac, IL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 5.63% |
| Emporia, KS (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 5.50% |
| Stillwater, OK (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 5.00% |
| Winfield, KS (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 4.63% |
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Product Mix
For 2018, United Fidelity Funding Corp.'s most frequently originated type of loan was Conventional, with 841 originations. Their 2nd most popular type was FHA, with 760 originations.
Loan Reason
For 2018, United Fidelity Funding Corp.'s most frequently cited loan purpose was Home Purchase, with 1,139 originations. The 2nd most popular reason was Cash Out Refi, with 514 originations.
Loan Duration/Length
For 2018, United Fidelity Funding Corp.'s most frequently cited loan duration was 30 Year, with 1,746 originations. The 2nd most popular length was 15 Year, with 35 originations.
Origination Fees/Closing Costs
United Fidelity Funding Corp.'s average total fees were $1,440, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 503 originations.
Interest Rates
During 2018, United Fidelity Funding Corp.'s average interest rate for loans was 4.87%, while their most frequently originated rate bucket for loans was 4-5%, with 1,147 originations.
Loan Sizing
2018 saw United Fidelity Funding Corp. place emphasis on $200k-400k loans with 805 originations, totaling $231,125,000 in origination value.
Applicant Income
United Fidelity Funding Corp. lent most frequently to those with incomes in the $50k-75k range, with 543 originations. The second most popular income band? $75k-100k, with 399 originations.
Applicant Debt to Income Ratio
United Fidelity Funding Corp. lent most frequently to those with DTI ratios of 50-60%, with 336 originations. The next most common DTI ratio? 30-36%, with 224 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.56%
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 origination78.92%
United Fidelity Funding Corp. has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,798 | $461,600,000 | $256,730 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 3 | $665,000 | $221,667 |
| Single Family (1-4 Units):Site-Built | 1,795 | $460,935,000 | $256,788 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| UNITED MORTGAGE CORP | Conventional home mortgage | Trouble during payment process | 1 | 33.3% |
| UNITED MORTGAGE CORP | FHA mortgage | Struggling to pay mortgage | 1 | 33.3% |
| UNITED MORTGAGE CORP | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 33.3% |