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 an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Tulsa, Chicago, Kansas City, Los Angeles, and Indianapolis among others. We have data for 122 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% | 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
1,767Origination Dollar Volume (All Markets)
$467,045,000Top 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 |
|---|---|---|---|---|---|
| TULSA, OK (FHA|USDA|VA) | 288 | $61,180,000 | $212,431 | $8,172 | 5.32% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 271 | $58,935,000 | $217,472 | $8,213 | 5.56% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 170 | $44,080,000 | $259,294 | $7,294 | 5.42% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 74 | $41,020,000 | $554,324 | $16,113 | 4.95% |
| Outside of Metro Areas | 144 | $27,240,000 | $189,167 | $7,826 | 5.18% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 67 | $23,995,000 | $358,134 | $12,769 | 5.98% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 45 | $17,675,000 | $392,778 | $12,082 | 4.96% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 78 | $16,620,000 | $213,077 | $8,324 | 5.37% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 41 | $13,345,000 | $325,488 | $13,542 | 5.26% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 16 | $11,170,000 | $698,125 | $20,717 | 5.84% |
| PANAMA CITY, FL (FHA|USDA|VA) | 33 | $10,645,000 | $322,576 | $11,637 | 4.64% |
| STOCKTON, CA (FHA|USDA|VA) | 18 | $10,440,000 | $580,000 | $13,762 | 5.40% |
| WICHITA, KS (FHA|USDA|VA) | 42 | $8,420,000 | $200,476 | $8,415 | 5.25% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 34 | $8,210,000 | $241,471 | $7,742 | 6.33% |
| Bartlesville, OK (FHA|USDA|VA) | 53 | $7,405,000 | $139,717 | $7,200 | 5.16% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 27 | $6,265,000 | $232,037 | $8,220 | 4.86% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 16 | $6,080,000 | $380,000 | $12,819 | 5.32% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 9 | $5,715,000 | $635,000 | $15,786 | 5.47% |
| Liberal, KS (FHA|USDA|VA) | 25 | $4,535,000 | $181,400 | $6,922 | 4.43% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 14 | $4,160,000 | $297,143 | $8,025 | 5.26% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 7 | $3,325,000 | $475,000 | $12,475 | 6.61% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 9 | $3,275,000 | $363,889 | $11,081 | 5.43% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 3 | $3,115,000 | $1,038,333 | $27,511 | 5.92% |
| Miami, OK (FHA|USDA|VA) | 16 | $3,060,000 | $191,250 | $8,899 | 4.91% |
| LINCOLN, NE (FHA|USDA|VA) | 13 | $2,965,000 | $228,077 | $5,768 | 4.91% |
| Muskogee, OK (FHA|USDA|VA) | 11 | $2,935,000 | $266,818 | $8,607 | 5.60% |
| Russellville, AR (FHA|USDA|VA) | 19 | $2,895,000 | $152,368 | $6,711 | 4.47% |
| Ponca City, OK (FHA|USDA|VA) | 19 | $2,895,000 | $152,368 | $7,573 | 4.63% |
| Tahlequah, OK (FHA|USDA|VA) | 16 | $2,750,000 | $171,875 | $8,508 | 5.21% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 9 | $2,635,000 | $292,778 | $7,585 | 5.40% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 6 | $2,470,000 | $411,667 | $12,325 | 5.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 6 | $2,060,000 | $343,333 | $8,161 | 5.25% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 4 | $1,710,000 | $427,500 | $18,171 | 7.47% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 3 | $1,675,000 | $558,333 | $20,877 | 8.13% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $1,470,000 | $735,000 | $8,416 | 5.69% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 3 | $1,435,000 | $478,333 | $22,488 | 5.75% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 3 | $1,355,000 | $451,667 | $12,534 | 6.46% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 5 | $1,225,000 | $245,000 | $6,758 | 5.85% |
| RACINE, WI (FHA|USDA|VA) | 6 | $1,170,000 | $195,000 | $6,429 | 5.69% |
| FRESNO, CA (FHA|USDA|VA) | 3 | $1,115,000 | $371,667 | $9,334 | 5.83% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 3 | $1,115,000 | $371,667 | $11,035 | 6.29% |
| Guymon, OK (FHA|USDA|VA) | 5 | $1,095,000 | $219,000 | $8,265 | 4.75% |
| TOPEKA, KS (FHA|USDA|VA) | 4 | $1,090,000 | $272,500 | $2,251 | 7.28% |
| Winfield, KS (FHA|USDA|VA) | 8 | $1,070,000 | $133,750 | $7,629 | 5.39% |
| GAINESVILLE, FL (FHA|USDA|VA) | 2 | $1,030,000 | $515,000 | $16,152 | 6.81% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $7,656 | 4.38% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $14,585 | 6.31% |
| Stillwater, OK (FHA|USDA|VA) | 4 | $800,000 | $200,000 | $6,856 | 4.75% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $795,000 | $795,000 | $7,763 | 5.88% |
| MERCED, CA (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $18,871 | 5.88% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $9,427 | 6.67% |
| ROCKFORD, IL (FHA|USDA|VA) | 5 | $755,000 | $151,000 | $6,633 | 5.75% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $16,862 | 6.38% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $12,132 | 6.38% |
| LOUISVILLE, KY (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $10,039 | 5.50% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $14,164 | 5.50% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $17,175 | 6.38% |
| Whitewater, WI (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $8,979 | 5.06% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $20,098 | 7.25% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $5,266 | 6.93% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $6,405 | 6.06% |
| JOPLIN, MO (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $10,064 | 4.94% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $9,816 | 5.38% |
| LAWTON, OK (FHA|USDA|VA) | 5 | $515,000 | $103,000 | $7,440 | 4.93% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 4 | $500,000 | $125,000 | $6,015 | 4.84% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $14,168 | 4.75% |
| PINE BLUFF, AR (FHA|USDA|VA) | 4 | $460,000 | $115,000 | $4,746 | 5.41% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $11,542 | 6.75% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $11,017 | 4.75% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $17,156 | 5.75% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $16,696 | 10.25% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $2,813 | 3.75% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $10,980 | 5.88% |
| Garden City, KS (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $12,503 | 4.63% |
| ENID, OK (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $7,616 | 5.67% |
| TYLER, TX (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $11,893 | 4.63% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $10,063 | 6.13% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $12,278 | 5.25% |
| LAWRENCE, KS (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $7,291 | 4.50% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $14,088 | 4.00% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $7,799 | 5.49% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $5,499 | 5.13% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $12,571 | 5.25% |
| GETTYSBURG, PA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $10,745 | 5.99% |
| McPherson, KS (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $3,558 | 5.56% |
| OCALA, FL (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $8,050 | 4.50% |
| Frankfort, KY (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $15,482 | 4.75% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $14,166 | 5.75% |
| Beatrice, NE (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $3,493 | 7.25% |
| Palatka, FL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,836 | 7.63% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $18,519 | 7.00% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $14,537 | 5.75% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $13,042 | 5.75% |
| Brainerd, MN (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $18,233 | 4.75% |
| Ada, OK (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $12,356 | 6.00% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $11,411 | 5.75% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $5,391 | 5.50% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $13,777 | 7.00% |
| Coffeyville, KS (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $6,037 | 5.25% |
| GOLDSBORO, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $10,451 | 5.75% |
| AKRON, OH (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,111 | 5.75% |
| COLUMBIA, MO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $14,627 | 5.75% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $14,240 | 5.25% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,220 | 7.25% |
| KANKAKEE, IL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,272 | 4.25% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $16,451 | 5.50% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,750 | 6.63% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,730 | 7.25% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $12,118 | 6.38% |
| Duncan, OK (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $9,722 | 5.25% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $4,372 | 4.69% |
| Rochelle, IL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,848 | 3.75% |
| Athens, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,484 | 4.25% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,439 | 3.38% |
| Hannibal, MO (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,376 | 5.50% |
| Malvern, AR (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,097 | 4.75% |
| McAlester, OK (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,559 | 4.50% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,511 | 5.88% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,856 | 6.13% |
| Mount Vernon, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,340 | 5.38% |
| Dodge City, KS (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,143 | 3.88% |
| Mount Vernon, IL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,775 | 6.25% |
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Product Mix
For 2022, United Fidelity Funding Corp.'s most frequently originated type of loan was Conventional, with 989 originations. Their 2nd most popular type was FHA, with 619 originations.
Loan Reason
For 2022, United Fidelity Funding Corp.'s most frequently cited loan purpose was Home Purchase, with 1,502 originations. The 2nd most popular reason was Cash Out Refi, with 197 originations.
Loan Duration/Length
For 2022, United Fidelity Funding Corp.'s most frequently cited loan duration was 30 Year, with 1,654 originations. The 2nd most popular length was 15 Year, with 61 originations.
Origination Fees/Closing Costs
United Fidelity Funding Corp.'s average total fees were $9,537, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 657 originations.
Interest Rates
During 2022, United Fidelity Funding Corp.'s average interest rate for loans was 5.41%, while their most frequently originated rate bucket for loans was 5-6%, with 682 originations.
Loan Sizing
2022 saw United Fidelity Funding Corp. place emphasis on $200k-400k loans with 772 originations, totaling $218,140,000 in origination value.
Applicant Income
United Fidelity Funding Corp. lent most frequently to those with incomes in the $50k-75k range, with 470 originations. The second most popular income band? $50k or less, with 364 originations.
Applicant Debt to Income Ratio
United Fidelity Funding Corp. lent most frequently to those with DTI ratios of 30-36%, with 263 originations. The next most common DTI ratio? 20-30%, with 229 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.27%
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 origination78.10%
United Fidelity Funding Corp. has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,767 | $467,045,000 | $264,315 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2022 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| UNITED COMMUNITY BANK | Conventional home mortgage | Closing on a mortgage | 1 | 100.0% |