United Fidelity Funding Corp. Mortgage Rates, Fees & Info

Jefferson City, MO

LEI: 2549007ZL90U2M5ZNA78

Tax ID: 20-5439763

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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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. They have a a high proportion of FHA loans. United Fidelity Funding Corp. has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Los Angeles, Kansas City, Chicago, Riverside, and Tulsa among others. We have data for 140 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 an average 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 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






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

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

1,898

Origination Dollar Volume (All Markets)

$448,460,000
Show all (6) awards

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
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 250 $96,660,000 $386,640 $9,298 4.24%
KANSAS CITY, MO-KS (FHA|USDA|VA) 327 $69,675,000 $213,073 $6,654 4.27%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 316 $64,580,000 $204,367 $3,131 4.32%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 144 $42,630,000 $296,042 $7,065 4.25%
TULSA, OK (FHA|USDA|VA) 124 $21,370,000 $172,339 $7,767 4.56%
Outside of Metro Areas 116 $18,360,000 $158,276 $5,754 4.42%
STOCKTON, CA (FHA|USDA|VA) 55 $16,535,000 $300,636 $9,223 4.03%
LINCOLN, NE (FHA|USDA|VA) 55 $10,555,000 $191,909 $3,980 4.32%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 30 $7,130,000 $237,667 $7,472 4.38%
WICHITA, KS (FHA|USDA|VA) 40 $5,990,000 $149,750 $6,430 4.00%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 14 $4,630,000 $330,714 $8,924 4.12%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 25 $4,275,000 $171,000 $7,558 3.84%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 9 $3,425,000 $380,556 $5,667 4.17%
ST. LOUIS, MO-IL (FHA|USDA|VA) 16 $3,410,000 $213,125 $5,485 4.10%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 14 $3,390,000 $242,143 $6,949 4.30%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 16 $3,290,000 $205,625 $6,148 4.04%
MODESTO, CA (FHA|USDA|VA) 12 $3,030,000 $252,500 $8,045 4.35%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 7 $2,665,000 $380,714 $8,711 4.34%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 7 $2,405,000 $343,571 $8,025 4.21%
Russellville, AR (FHA|USDA|VA) 17 $2,285,000 $134,412 $5,314 3.50%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 5 $2,205,000 $441,000 $12,382 4.55%
Tahlequah, OK (FHA|USDA|VA) 13 $1,905,000 $146,538 $5,598 4.75%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 6 $1,890,000 $315,000 $9,873 4.33%
VALLEJO, CA (FHA|USDA|VA) 5 $1,885,000 $377,000 $10,591 3.80%
PINE BLUFF, AR (FHA|USDA|VA) 16 $1,640,000 $102,500 $3,346 3.92%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 5 $1,585,000 $317,000 $6,886 4.15%
New Philadelphia-Dover, OH (FHA|USDA|VA) 13 $1,565,000 $120,385 $1,512 4.95%
OKLAHOMA CITY, OK (FHA|USDA|VA) 11 $1,555,000 $141,364 $6,390 4.55%
BAKERSFIELD, CA (FHA|USDA|VA) 7 $1,425,000 $203,571 $7,098 4.36%
LAWTON, OK (FHA|USDA|VA) 10 $1,380,000 $138,000 $6,063 4.10%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 5 $1,345,000 $269,000 $5,640 4.13%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 5 $1,285,000 $257,000 $6,750 5.03%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 4 $1,270,000 $317,500 $12,403 4.44%
COLORADO SPRINGS, CO (FHA|USDA|VA) 3 $1,155,000 $385,000 $3,256 3.88%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 4 $1,100,000 $275,000 $7,685 5.22%
Kearney, NE (FHA|USDA|VA) 6 $1,000,000 $166,667 $4,926 3.94%
TOPEKA, KS (FHA|USDA|VA) 5 $985,000 $197,000 $6,905 4.45%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 3 $935,000 $311,667 $8,465 3.92%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 3 $915,000 $305,000 $6,978 4.75%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 4 $890,000 $222,500 $4,596 4.78%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 3 $845,000 $281,667 $8,628 4.46%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 3 $825,000 $275,000 $5,825 3.74%
JACKSONVILLE, FL (FHA|USDA|VA) 3 $815,000 $271,667 $7,820 4.17%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 2 $780,000 $390,000 $5,238 4.31%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 4 $780,000 $195,000 $6,528 4.16%
COLUMBUS, OH (FHA|USDA|VA) 3 $775,000 $258,333 $7,959 4.54%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 3 $765,000 $255,000 $7,246 4.29%
Winfield, KS (FHA|USDA|VA) 7 $765,000 $109,286 $5,781 3.98%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 2 $760,000 $380,000 $9,098 4.56%
PUEBLO, CO (FHA|USDA|VA) 3 $735,000 $245,000 $8,503 3.83%
GREELEY, CO (FHA|USDA|VA) 2 $710,000 $355,000 $2,605 4.50%
SALINAS, CA (FHA|USDA|VA) 1 $675,000 $675,000 $23,519 6.88%
Miami, OK (FHA|USDA|VA) 3 $655,000 $218,333 $6,820 3.92%
Whitewater, WI (FHA|USDA|VA) 2 $640,000 $320,000 $845 4.44%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 3 $615,000 $205,000 $7,753 3.92%
FORT SMITH, AR-OK (FHA|USDA|VA) 2 $610,000 $305,000 $6,052 4.69%
Uvalde, TX (FHA|USDA|VA) 2 $600,000 $300,000 $6,952 4.63%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $595,000 $595,000 $8,272 4.13%
KANKAKEE, IL (FHA|USDA|VA) 8 $580,000 $72,500 $2,562 4.17%
ENID, OK (FHA|USDA|VA) 2 $560,000 $280,000 $6,689 4.25%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $555,000 $555,000 $15,201 4.25%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 2 $550,000 $275,000 $10,901 4.31%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 2 $530,000 $265,000 $5,842 3.75%
CANTON-MASSILLON, OH (FHA|USDA|VA) 4 $500,000 $125,000 $1,870 4.31%
Ottawa, KS (FHA|USDA|VA) 4 $490,000 $122,500 $6,478 3.84%
Salina, KS (FHA|USDA|VA) 3 $475,000 $158,333 $5,276 3.67%
BLOOMINGTON, IN (FHA|USDA|VA) 2 $470,000 $235,000 $7,769 4.94%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 2 $450,000 $225,000 $5,130 3.81%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 2 $430,000 $215,000 $4,414 5.06%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $405,000 $405,000 $8,919 4.25%
TOLEDO, OH (FHA|USDA|VA) 2 $390,000 $195,000 $13,152 3.69%
ROCKFORD, IL (FHA|USDA|VA) 3 $385,000 $128,333 $2,961 4.38%
Pella, IA (FHA|USDA|VA) 2 $380,000 $190,000 $4,790 3.88%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $375,000 $375,000 $9,069 3.50%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $370,000 $185,000 $7,190 4.75%
YUBA CITY, CA (FHA|USDA|VA) 1 $365,000 $365,000 $19,494 3.63%
Liberal, KS (FHA|USDA|VA) 3 $355,000 $118,333 $5,308 3.79%
EL CENTRO, CA (FHA|USDA|VA) 1 $335,000 $335,000 $2,730 3.25%
MUSKEGON, MI (FHA|USDA|VA) 1 $325,000 $325,000 $3,622 4.38%
Richmond, IN (FHA|USDA|VA) 1 $325,000 $325,000 $12,472 4.00%
CHICO, CA (FHA|USDA|VA) 1 $325,000 $325,000 $9,885 4.00%
EAU CLAIRE, WI (FHA|USDA|VA) 1 $325,000 $325,000 $12,536 3.50%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 2 $320,000 $160,000 $6,325 4.69%
Beatrice, NE (FHA|USDA|VA) 3 $315,000 $105,000 $3,097 5.58%
ST. CLOUD, MN (FHA|USDA|VA) 1 $305,000 $305,000 $1,804 3.75%
London, KY (FHA|USDA|VA) 1 $305,000 $305,000 $10,168 4.25%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $305,000 $305,000 $9,498 3.75%
LAWRENCE, KS (FHA|USDA|VA) 2 $300,000 $150,000 $7,271 3.94%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $285,000 $285,000 $7,628 4.25%
HOT SPRINGS, AR (FHA|USDA|VA) 2 $280,000 $140,000 $4,901 3.63%
Salem, OH (FHA|USDA|VA) 2 $280,000 $140,000 $6,019 5.19%
KOKOMO, IN (FHA|USDA|VA) 1 $275,000 $275,000 $2,529 3.75%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $275,000 $275,000 $12,960 4.25%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $275,000 $275,000 $10,998 4.63%
KNOXVILLE, TN (FHA|USDA|VA) 1 $265,000 $265,000 $11,264 4.00%
Lexington, NE (FHA|USDA|VA) 1 $255,000 $255,000 $3,344 3.50%
McPherson, KS (FHA|USDA|VA) 2 $250,000 $125,000 $3,342 4.94%
BATON ROUGE, LA (FHA|USDA|VA) 1 $245,000 $245,000 $11,303 3.75%
LOUISVILLE, KY (FHA|USDA|VA) 1 $245,000 $245,000 $13,077 4.75%
Burlington, IA-IL (FHA|USDA|VA) 2 $240,000 $120,000 $3,321 3.63%
Warrensburg, MO (FHA|USDA|VA) 2 $240,000 $120,000 $4,528 4.19%
Poplar Bluff, MO (FHA|USDA|VA) 1 $235,000 $235,000 $8,812 4.75%
Bedford, IN (FHA|USDA|VA) 1 $235,000 $235,000 $1,603 3.63%
MUNCIE, IN (FHA|USDA|VA) 1 $235,000 $235,000 $5,445 4.25%
Pahrump, NV (FHA|USDA|VA) 1 $225,000 $225,000 $5,447 4.00%
MERCED, CA (FHA|USDA|VA) 1 $225,000 $225,000 $9,340 4.50%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $225,000 $225,000 $10,975 3.25%
JEFFERSON CITY, MO (FHA|USDA|VA) 1 $215,000 $215,000 $1,723 4.25%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $215,000 $215,000 $4,117 4.25%
DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $215,000 $215,000 $9,492 3.25%
JOPLIN, MO (FHA|USDA|VA) 2 $200,000 $100,000 $3,095 5.44%
Muskogee, OK (FHA|USDA|VA) 2 $190,000 $95,000 $6,476 5.00%
Norfolk, NE (FHA|USDA|VA) 1 $185,000 $185,000 $4,792 4.25%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 1 $185,000 $185,000 $5,997 4.38%
Brownsville, TN (FHA|USDA|VA) 1 $185,000 $185,000 $10,686 3.75%
Stillwater, OK (FHA|USDA|VA) 1 $185,000 $185,000 $8,406 4.75%
AKRON, OH (FHA|USDA|VA) 1 $175,000 $175,000 $6,314 3.50%
Crossville, TN (FHA|USDA|VA) 1 $165,000 $165,000 $1,611 3.75%
Lebanon, MO (FHA|USDA|VA) 1 $155,000 $155,000 $2,435 4.75%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $145,000 $145,000 $0 4.63%
Great Bend, KS (FHA|USDA|VA) 1 $135,000 $135,000 $7,583 3.75%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $135,000 $135,000 $0 4.25%
Carlsbad-Artesia, NM (FHA|USDA|VA) 1 $125,000 $125,000 $7,161 3.50%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $125,000 $125,000 $4,385 4.50%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $115,000 $115,000 $0 4.00%
Plainview, TX (FHA|USDA|VA) 1 $115,000 $115,000 $6,489 5.75%
Wooster, OH (FHA|USDA|VA) 1 $115,000 $115,000 $5,716 4.25%
Fremont, NE (FHA|USDA|VA) 1 $105,000 $105,000 $5,279 4.00%
SHEBOYGAN, WI (FHA|USDA|VA) 1 $105,000 $105,000 $1,690 5.00%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $105,000 $105,000 $1,306 4.13%
Branson, MO (FHA|USDA|VA) 1 $105,000 $105,000 $5,509 4.00%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $95,000 $95,000 $5,020 7.50%
Marion, OH (FHA|USDA|VA) 1 $95,000 $95,000 $0 3.75%
Parsons, KS (FHA|USDA|VA) 1 $95,000 $95,000 $5,302 4.13%
Pontiac, IL (FHA|USDA|VA) 1 $95,000 $95,000 $1,589 3.63%
SPRINGFIELD, IL (FHA|USDA|VA) 2 $90,000 $45,000 $0 4.13%
Hays, KS (FHA|USDA|VA) 1 $75,000 $75,000 $5,016 3.50%
Ashland, OH (FHA|USDA|VA) 1 $65,000 $65,000 $5,043 4.63%
OCALA, FL (FHA|USDA|VA) 1 $55,000 $55,000 $1,690 4.75%
Coffeyville, KS (FHA|USDA|VA) 1 $55,000 $55,000 $3,160 5.13%
United Fidelity Funding Corp.'s top markets include Los Angeles, Kansas City, Chicago, Riverside, and Tulsa among others.

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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    FHA 891 $192,085,000 $215,584 $7,293 4.21%
    Conventional 736 $190,320,000 $258,587 $5,447 4.45%
    VA 208 $58,380,000 $280,673 $6,452 4.05%
    USDA 63 $7,675,000 $121,825 $4,759 4.07%

    For 2019, United Fidelity Funding Corp.'s most frequently originated type of loan was FHA, with 891 originations. Their 2nd most popular type was Conventional, with 736 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,168 $252,480,000 $216,164 $6,414 4.38%
    Cash Out Refi 481 $130,295,000 $270,884 $6,704 4.28%
    Refi 249 $65,685,000 $263,795 $5,754 3.84%

    For 2019, United Fidelity Funding Corp.'s most frequently cited loan purpose was Home Purchase, with 1,168 originations. The 2nd most popular reason was Cash Out Refi, with 481 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,776 $430,390,000 $242,337 $6,550 4.30%
    15 Year 57 $7,605,000 $133,421 $4,520 3.86%
    20 Year 32 $6,250,000 $195,313 $4,678 4.06%
    10 Year 20 $1,110,000 $55,500 $1,716 4.49%
    Other 13 $3,105,000 $238,846 $4,668 4.10%

    For 2019, United Fidelity Funding Corp.'s most frequently cited loan duration was 30 Year, with 1,776 originations. The 2nd most popular length was 15 Year, with 57 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 662 $148,430,000 $224,215
    $1k-2k 338 $74,100,000 $219,231
    $5k+ 293 $100,095,000 $341,621
    $2k-3k 278 $57,220,000 $205,827
    $3k-4k 177 $34,275,000 $193,644
    $4k-5k 150 $34,340,000 $228,933

    United Fidelity Funding Corp.'s average total fees were $6,550, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 662 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 901 $208,005,000 $230,860
    3-4% 770 $195,130,000 $253,416
    5-6% 195 $38,925,000 $199,615
    7-8% 10 $1,890,000 $189,000
    2.5-3% 9 $1,945,000 $216,111
    Over 8% 6 $1,010,000 $168,333
    6-7% 6 $1,550,000 $258,333
    <2.5% 1 $5,000 $5,000

    During 2019, United Fidelity Funding Corp.'s average interest rate for loans was 4.30%, while their most frequently originated rate bucket for loans was 4-5%, with 901 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 812 $228,620,000 $281,552 $7,196 4.20%
    $100k-200k 707 $107,175,000 $151,591 $5,057 4.32%
    $400k-600k 179 $83,325,000 $465,503 $9,433 4.22%
    $100,000 or less 176 $12,850,000 $73,011 $3,724 4.58%
    $600k-1MM 24 $16,490,000 $687,083 $15,791 4.18%

    2019 saw United Fidelity Funding Corp. place emphasis on $200k-400k loans with 812 originations, totaling $228,620,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 556 $114,750,000 $206,385 $6,312 4.30%
    $50k or less 525 $82,845,000 $157,800 $4,826 4.26%
    $75k-100k 364 $97,690,000 $268,379 $6,803 4.30%
    $100k-150k 308 $97,740,000 $317,338 $7,742 4.28%
    $150k-250k 127 $47,475,000 $373,819 $8,300 4.28%
    $250k+ 18 $7,960,000 $442,222 $10,370 4.17%

    United Fidelity Funding Corp. lent most frequently to those with incomes in the $50k-75k range, with 556 originations. The second most popular income band? $50k or less, with 525 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    50-60% 307 $75,655,000 $246,433 $8,108 4.22%
    30-36% 263 $58,815,000 $223,631 $5,950 4.28%
    20-30% 218 $43,250,000 $198,394 $4,903 4.25%
    <20% 115 $28,185,000 $245,087 $4,982 3.98%
    44% 93 $24,295,000 $261,237 $6,413 4.41%
    43% 88 $23,290,000 $264,659 $7,127 4.23%
    48% 79 $18,675,000 $236,392 $7,193 4.43%
    42% 77 $19,115,000 $248,247 $5,914 4.28%
    39% 72 $15,300,000 $212,500 $5,497 4.55%
    41% 72 $16,180,000 $224,722 $5,902 4.35%
    49% 68 $19,070,000 $280,441 $8,043 4.32%
    45% 68 $17,040,000 $250,588 $6,575 4.32%
    40% 66 $16,460,000 $249,394 $6,197 4.24%
    38% 65 $14,775,000 $227,308 $6,312 4.27%
    46% 59 $15,665,000 $265,508 $6,729 4.33%
    36% 57 $12,265,000 $215,175 $6,352 4.24%
    47% 55 $13,195,000 $239,909 $6,952 4.49%
    37% 54 $11,500,000 $212,963 $6,197 4.45%
    >60% 20 $5,450,000 $272,500 $4,179 4.00%

    United Fidelity Funding Corp. lent most frequently to those with DTI ratios of 50-60%, with 307 originations. The next most common DTI ratio? 30-36%, with 263 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,563 $365,245,000 $233,682 $6,376 4.26%
    Not provided 151 $42,435,000 $281,026 $6,153 4.57%
    Black 127 $27,375,000 $215,551 $6,147 4.29%
    Asian 38 $9,390,000 $247,105 $8,367 4.22%
    American Indian 15 $2,985,000 $199,000 $7,877 4.37%
    Native Hawaiian or Islander 4 $1,030,000 $257,500 $9,166 3.88%

    Approval Rates

    Total approvals of all applications
    98.07%

    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
    82.51%

    United Fidelity Funding Corp. has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,898 $448,460,000 $236,280

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 24 $3,300,000 $137,500
    Single Family (1-4 Units):Site-Built 1,874 $445,160,000 $237,545

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 31 $5,165,000 $166,613 $4,569 4.13%
    40-60% 119 $29,795,000 $250,378 $5,690 4.16%
    60-80% 376 $101,430,000 $269,761 $6,175 4.43%
    80-100% 1,284 $295,040,000 $229,782 $6,510 4.25%
    Over 100% 48 $12,540,000 $261,250 $9,376 4.35%
    Under 20% 18 $480,000 $26,667 $1,331 4.32%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    UNITED FIDELITY FUNDING, CORP Other type of mortgage Trouble during payment process 1 50.0%
    UNITED FIDELITY FUNDING, CORP VA mortgage Closing on a mortgage 1 50.0%