United Security Financial Corp Mortgage Rates, Fees & Info

MURRAY, UT

LEI: 549300D7GVUYHQEDEE56

Tax ID: 87-0463610

5 stars - out of 5 stars, based on 27 reviews

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

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Mortgage Data

  • SimulatedRates™
  • Review & Overview

    United Security Financial Corp is a smaller mortgage company specializing in Refi and Home Purchase loans. They have a a high proportion of FHA loans. United Security Financial Corp has an average proportion of conventional loans. Their top markets by origination volume include: Atlanta, Salt Lake City, Sacramento, Washington, and Ogden among others. We have data for 188 markets. (Some data included below & more in-depth data is available with an active subscription.)

    United Security Financial 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 Security Financial 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.

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    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    30 Year Conventional Purchase 7.67% 11/27/22
    30 Year Conventional Refi 6.91% 11/27/22
    30 Year Cash-out Refi 7.29% 11/27/22
    30 Year FHA Purchase 8.37% 11/27/22
    30 Year FHA Refi 7.30% 11/27/22
    30 Year VA Purchase 6.72% 11/27/22
    30 Year VA Refi 5.87% 11/27/22
    15 Year Conventional Purchase 5.83% 11/27/22
    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.


    Originations

    735

    Origination Dollar Volume (All Markets)

    $188,715,000
    Show all (18) awards

    Relative Rate

    United Security Financial Corp's average 30 year fixed mortgage rate was 2.64%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.51%.

    Relative Fees (Closing Costs)

    United Security Financial Corp's average total fees/closing costs for a 30 year fixed rate mortgage were $6,318.

    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 $4,750.

    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
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 65 $14,445,000 $222,231 $6,131 2.65%
    SALT LAKE CITY, UT (FHA|USDA|VA) 45 $13,275,000 $295,000 $6,650 2.74%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 21 $9,025,000 $429,762 $9,982 2.92%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 22 $8,850,000 $402,273 $8,358 2.45%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 28 $7,470,000 $266,786 $6,344 2.66%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 23 $5,715,000 $248,478 $5,588 2.67%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 12 $4,720,000 $393,333 $8,134 2.64%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 22 $4,280,000 $194,545 $5,029 2.74%
    Outside of Metro Areas 17 $3,785,000 $222,647 $5,247 2.50%
    PROVO-OREM, UT (FHA|USDA|VA) 14 $3,760,000 $268,571 $6,205 2.48%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 18 $3,500,000 $194,444 $6,029 2.66%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 11 $3,265,000 $296,818 $5,355 2.39%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 10 $3,220,000 $322,000 $11,754 3.41%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 15 $2,965,000 $197,667 $4,088 2.54%
    BATON ROUGE, LA (FHA|USDA|VA) 13 $2,905,000 $223,462 $5,494 2.76%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 12 $2,800,000 $233,333 $5,706 2.70%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 8 $2,670,000 $333,750 $10,169 2.75%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 6 $2,500,000 $416,667 $6,156 2.21%
    Heber, UT (FHA|USDA|VA) 4 $2,490,000 $622,500 $11,532 2.75%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 7 $2,365,000 $337,857 $9,759 2.91%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 11 $2,345,000 $213,182 $8,839 3.36%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 7 $2,235,000 $319,286 $9,244 2.36%
    FAYETTEVILLE, NC (FHA|USDA|VA) 9 $2,225,000 $247,222 $5,191 2.32%
    RALEIGH-CARY, NC (FHA|USDA|VA) 10 $2,130,000 $213,000 $5,449 2.65%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 8 $2,090,000 $261,250 $7,025 2.58%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 8 $1,940,000 $242,500 $6,424 2.75%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 8 $1,730,000 $216,250 $6,165 3.12%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 8 $1,680,000 $210,000 $5,265 2.48%
    VALLEJO, CA (FHA|USDA|VA) 4 $1,660,000 $415,000 $7,320 3.00%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 5 $1,585,000 $317,000 $6,862 2.28%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 6 $1,570,000 $261,667 $4,759 2.83%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 6 $1,480,000 $246,667 $6,112 2.40%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 5 $1,465,000 $293,000 $8,500 3.08%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 4 $1,430,000 $357,500 $6,150 2.25%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 6 $1,350,000 $225,000 $4,405 2.52%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 6 $1,340,000 $223,333 $5,168 2.46%
    GRAND JUNCTION, CO (FHA|USDA|VA) 5 $1,275,000 $255,000 $5,598 2.38%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 4 $1,270,000 $317,500 $6,696 2.50%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 5 $1,135,000 $227,000 $9,778 3.53%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 2 $1,030,000 $515,000 $16,084 2.50%
    MODESTO, CA (FHA|USDA|VA) 4 $1,020,000 $255,000 $6,270 2.88%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 2 $970,000 $485,000 $9,679 2.50%
    HOUMA-THIBODAUX, LA (FHA|USDA|VA) 5 $955,000 $191,000 $4,910 2.43%
    Cedar City, UT (FHA|USDA|VA) 3 $955,000 $318,333 $4,208 2.54%
    SALEM, OR (FHA|USDA|VA) 3 $945,000 $315,000 $6,337 2.29%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 4 $940,000 $235,000 $7,711 3.06%
    JACKSONVILLE, NC (FHA|USDA|VA) 5 $935,000 $187,000 $4,564 1.85%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 2 $830,000 $415,000 $4,919 2.75%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 5 $805,000 $161,000 $5,901 2.57%
    FORT COLLINS, CO (FHA|USDA|VA) 2 $800,000 $400,000 $7,209 2.00%
    STOCKTON, CA (FHA|USDA|VA) 2 $790,000 $395,000 $10,120 2.06%
    FRESNO, CA (FHA|USDA|VA) 4 $780,000 $195,000 $4,835 2.59%
    HUNTSVILLE, AL (FHA|USDA|VA) 3 $765,000 $255,000 $5,851 1.96%
    JACKSON, MI (FHA|USDA|VA) 4 $730,000 $182,500 $4,759 2.69%
    LOGAN, UT-ID (FHA|USDA|VA) 3 $715,000 $238,333 $5,126 2.50%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 3 $695,000 $231,667 $7,799 3.04%
    HAMMOND, LA (FHA|USDA|VA) 3 $675,000 $225,000 $7,877 2.79%
    Albemarle, NC (FHA|USDA|VA) 3 $665,000 $221,667 $5,620 2.41%
    NEW BERN, NC (FHA|USDA|VA) 3 $635,000 $211,667 $5,246 2.38%
    WINSTON-SALEM, NC (FHA|USDA|VA) 3 $615,000 $205,000 $4,799 2.41%
    BAKERSFIELD, CA (FHA|USDA|VA) 3 $615,000 $205,000 $5,015 2.38%
    ST. GEORGE, UT (FHA|USDA|VA) 2 $610,000 $305,000 $6,094 2.69%
    HARRISONBURG, VA (FHA|USDA|VA) 2 $600,000 $300,000 $8,290 1.75%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 3 $595,000 $198,333 $4,630 3.08%
    LANCASTER, PA (FHA|USDA|VA) 3 $585,000 $195,000 $5,817 2.50%
    BOISE CITY, ID (FHA|USDA|VA) 2 $570,000 $285,000 $6,286 2.56%
    FORT WAYNE, IN (FHA|USDA|VA) 2 $540,000 $270,000 $4,355 2.25%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $535,000 $535,000 $8,704 1.75%
    VISALIA, CA (FHA|USDA|VA) 3 $515,000 $171,667 $3,394 2.54%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 2 $480,000 $240,000 $4,712 2.94%
    GAINESVILLE, GA (FHA|USDA|VA) 2 $480,000 $240,000 $4,771 2.62%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 2 $480,000 $240,000 $5,255 2.31%
    PUEBLO, CO (FHA|USDA|VA) 2 $480,000 $240,000 $4,691 2.38%
    HANFORD-CORCORAN, CA (FHA|USDA|VA) 2 $470,000 $235,000 $6,375 2.69%
    EL CENTRO, CA (FHA|USDA|VA) 2 $470,000 $235,000 $3,805 2.13%
    Forest City, NC (FHA|USDA|VA) 2 $450,000 $225,000 $5,615 2.50%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 2 $450,000 $225,000 $4,862 2.38%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 2 $450,000 $225,000 $8,460 2.44%
    WARNER ROBINS, GA (FHA|USDA|VA) 2 $450,000 $225,000 $8,492 3.44%
    PITTSBURGH, PA (FHA|USDA|VA) 3 $445,000 $148,333 $5,246 2.42%
    ALBANY, GA (FHA|USDA|VA) 3 $445,000 $148,333 $3,569 2.75%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 2 $440,000 $220,000 $6,336 2.69%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $440,000 $220,000 $3,256 2.50%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 2 $430,000 $215,000 $5,178 2.06%
    GLENS FALLS, NY (FHA|USDA|VA) 1 $425,000 $425,000 $3,577 2.00%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 2 $420,000 $210,000 $6,894 2.06%
    COLUMBUS, OH (FHA|USDA|VA) 3 $415,000 $138,333 $4,681 2.79%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 2 $410,000 $205,000 $5,142 2.69%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 2 $400,000 $200,000 $5,217 2.50%
    MERCED, CA (FHA|USDA|VA) 1 $375,000 $375,000 $820 2.25%
    SAVANNAH, GA (FHA|USDA|VA) 2 $370,000 $185,000 $4,226 2.13%
    JACKSONVILLE, FL (FHA|USDA|VA) 1 $365,000 $365,000 $4,890 2.88%
    JACKSON, MS (FHA|USDA|VA) 1 $365,000 $365,000 $10,675 3.13%
    TUCSON, AZ (FHA|USDA|VA) 2 $350,000 $175,000 $2,948 2.00%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 2 $350,000 $175,000 $4,743 2.50%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $345,000 $345,000 $5,219 1.75%
    Clearlake, CA (FHA|USDA|VA) 2 $330,000 $165,000 $4,158 2.50%
    RAPID CITY, SD (FHA|USDA|VA) 1 $325,000 $325,000 $8,544 2.88%
    GOLDSBORO, NC (FHA|USDA|VA) 1 $325,000 $325,000 $5,987 1.75%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $325,000 $325,000 $6,875 2.50%
    MONTGOMERY, AL (FHA|USDA|VA) 1 $315,000 $315,000 $1,294 2.25%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $315,000 $315,000 $4,994 2.25%
    ASHEVILLE, NC (FHA|USDA|VA) 1 $305,000 $305,000 $7,055 2.50%
    SPARTANBURG, SC (FHA|USDA|VA) 2 $300,000 $150,000 $5,188 2.31%
    IDAHO FALLS, ID (FHA|USDA|VA) 2 $300,000 $150,000 $4,391 2.63%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $295,000 $295,000 $11,652 3.88%
    CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $295,000 $295,000 $7,743 2.50%
    COLUMBIA, SC (FHA|USDA|VA) 1 $295,000 $295,000 $13,267 3.38%
    Thomasville, GA (FHA|USDA|VA) 1 $285,000 $285,000 $6,884 2.50%
    Greeneville, TN (FHA|USDA|VA) 1 $275,000 $275,000 $4,494 1.75%
    RICHMOND, VA (FHA|USDA|VA) 1 $275,000 $275,000 $8,880 1.88%
    CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 1 $275,000 $275,000 $3,944 1.75%
    Glenwood Springs, CO (FHA|USDA|VA) 1 $275,000 $275,000 $6,106 2.88%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 2 $270,000 $135,000 $5,548 4.94%
    FLAGSTAFF, AZ (FHA|USDA|VA) 1 $265,000 $265,000 $4,381 1.75%
    TWIN FALLS, ID (FHA|USDA|VA) 1 $265,000 $265,000 $6,762 3.38%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $265,000 $265,000 $12,328 3.75%
    FARGO, ND-MN (FHA|USDA|VA) 1 $265,000 $265,000 $6,326 2.50%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $255,000 $255,000 $3,486 1.75%
    Outside of Metro Areas 1 $255,000 $255,000 $5,077 1.75%
    Kill Devil Hills, NC (FHA|USDA|VA) 1 $255,000 $255,000 $9,068 3.13%
    SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 1 $255,000 $255,000 $11,812 2.25%
    Mount Airy, NC (FHA|USDA|VA) 1 $255,000 $255,000 $1,864 2.25%
    RACINE, WI (FHA|USDA|VA) 1 $245,000 $245,000 $6,490 3.88%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $245,000 $245,000 $8,746 1.88%
    Payson, AZ (FHA|USDA|VA) 1 $245,000 $245,000 $3,201 2.25%
    POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 1 $245,000 $245,000 $3,264 1.99%
    Vernal, UT (FHA|USDA|VA) 1 $235,000 $235,000 $5,452 2.88%
    YUBA CITY, CA (FHA|USDA|VA) 1 $235,000 $235,000 $8,632 1.75%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $235,000 $235,000 $6,877 2.50%
    St. Marys, GA (FHA|USDA|VA) 1 $225,000 $225,000 $11,492 2.88%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $225,000 $225,000 $3,472 2.25%
    FLINT, MI (FHA|USDA|VA) 1 $225,000 $225,000 $5,700 2.50%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $225,000 $225,000 $4,764 2.88%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $215,000 $215,000 $5,274 2.50%
    Warrensburg, MO (FHA|USDA|VA) 1 $205,000 $205,000 $5,459 1.88%
    ANCHORAGE, AK (FHA|USDA|VA) 1 $205,000 $205,000 $2,271 2.38%
    Bemidji, MN (FHA|USDA|VA) 1 $195,000 $195,000 $4,999 2.88%
    Alexandria, MN (FHA|USDA|VA) 1 $195,000 $195,000 $5,386 2.88%
    LAS CRUCES, NM (FHA|USDA|VA) 1 $185,000 $185,000 $2,487 2.25%
    GREELEY, CO (FHA|USDA|VA) 1 $185,000 $185,000 $4,288 2.88%
    Cedartown, GA (FHA|USDA|VA) 1 $185,000 $185,000 $4,812 2.88%
    ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $185,000 $185,000 $4,567 2.50%
    Elizabeth City, NC (FHA|USDA|VA) 1 $185,000 $185,000 $4,768 2.50%
    GREEN BAY, WI (FHA|USDA|VA) 1 $185,000 $185,000 $5,039 2.38%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $175,000 $175,000 $3,222 1.75%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $175,000 $175,000 $4,382 2.50%
    MIDLAND, MI (FHA|USDA|VA) 1 $175,000 $175,000 $2,334 2.25%
    LAFAYETTE, LA (FHA|USDA|VA) 1 $175,000 $175,000 $4,924 2.88%
    HINESVILLE, GA (FHA|USDA|VA) 1 $175,000 $175,000 $4,618 2.99%
    NILES, MI (FHA|USDA|VA) 1 $175,000 $175,000 $4,696 2.50%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $175,000 $175,000 $4,420 2.88%
    ROCHESTER, MN (FHA|USDA|VA) 1 $175,000 $175,000 $4,489 2.50%
    SAGINAW, MI (FHA|USDA|VA) 1 $175,000 $175,000 $4,823 2.50%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $175,000 $175,000 $5,897 2.88%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $175,000 $175,000 $6,729 2.88%
    SPRINGFIELD, IL (FHA|USDA|VA) 1 $175,000 $175,000 $2,955 2.88%
    ST. CLOUD, MN (FHA|USDA|VA) 1 $175,000 $175,000 $6,379 2.88%
    BURLINGTON, NC (FHA|USDA|VA) 1 $175,000 $175,000 $1,394 2.25%
    Tifton, GA (FHA|USDA|VA) 1 $175,000 $175,000 $4,649 2.50%
    ANN ARBOR, MI (FHA|USDA|VA) 1 $165,000 $165,000 $4,526 2.50%
    MANKATO, MN (FHA|USDA|VA) 1 $165,000 $165,000 $4,374 2.50%
    Scottsburg, IN (FHA|USDA|VA) 1 $165,000 $165,000 $4,160 2.50%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $165,000 $165,000 $2,508 1.75%
    Sturgis, MI (FHA|USDA|VA) 1 $165,000 $165,000 $4,632 2.50%
    MOBILE, AL (FHA|USDA|VA) 1 $165,000 $165,000 $3,071 1.75%
    Boone, NC (FHA|USDA|VA) 1 $165,000 $165,000 $4,396 2.88%
    BATTLE CREEK, MI (FHA|USDA|VA) 1 $155,000 $155,000 $2,815 2.25%
    REDDING, CA (FHA|USDA|VA) 1 $155,000 $155,000 $4,340 2.88%
    COLUMBUS, GA-AL (FHA|USDA|VA) 1 $155,000 $155,000 $4,248 2.50%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $155,000 $155,000 $4,208 2.88%
    MEDFORD, OR (FHA|USDA|VA) 1 $155,000 $155,000 $4,841 1.88%
    ALBUQUERQUE, NM (FHA|USDA|VA) 1 $155,000 $155,000 $3,083 2.75%
    DALTON, GA (FHA|USDA|VA) 1 $145,000 $145,000 $4,126 2.88%
    YORK-HANOVER, PA (FHA|USDA|VA) 1 $145,000 $145,000 $8,864 3.88%
    GREENVILLE, NC (FHA|USDA|VA) 1 $135,000 $135,000 $3,742 2.88%
    Oak Harbor, WA (FHA|USDA|VA) 1 $135,000 $135,000 $1,358 2.25%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $135,000 $135,000 $3,816 2.99%
    LONGVIEW, WA (FHA|USDA|VA) 1 $125,000 $125,000 $4,991 2.99%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $125,000 $125,000 $5,434 1.75%
    ERIE, PA (FHA|USDA|VA) 1 $125,000 $125,000 $4,283 2.50%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $105,000 $105,000 $1,949 2.25%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $105,000 $105,000 $2,127 2.38%
    Moultrie, GA (FHA|USDA|VA) 1 $105,000 $105,000 $5,034 3.25%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $105,000 $105,000 $2,119 2.88%
    Sayre, PA (FHA|USDA|VA) 1 $105,000 $105,000 $6,295 2.99%
    FORT SMITH, AR-OK (FHA|USDA|VA) 1 $95,000 $95,000 $1,913 2.88%
    WICHITA, KS (FHA|USDA|VA) 1 $85,000 $85,000 $4,479 3.25%
    United Security Financial Corp's top markets include Atlanta, Salt Lake City, Sacramento, Washington, and Ogden among others.

    Their top states include:
  • Utah (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    FHA 451 $103,235,000 $228,902 $6,580 2.80%
    VA 207 $59,245,000 $286,208 $5,168 2.07%
    Conventional 77 $26,235,000 $340,714 $7,545 3.14%

    For 2021, United Security Financial Corp's most frequently originated type of loan was FHA, with 451 originations. Their 2nd most popular type was VA, with 207 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 598 $143,780,000 $240,435 $5,690 2.50%
    Home Purchase 123 $40,535,000 $329,553 $8,955 3.21%
    Cash Out Refi 13 $4,215,000 $324,231 $8,232 3.30%
    Home Improvement 1 $185,000 $185,000 $7,532 2.88%

    For 2021, United Security Financial Corp's most frequently cited loan purpose was Refi, with 598 originations. The 2nd most popular reason was Home Purchase, with 123 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 719 $185,045,000 $257,364 $6,318 2.64%
    5 Year 6 $1,720,000 $286,667 $5,247 2.58%
    Other 6 $1,070,000 $178,333 $4,783 2.48%
    30+ year 2 $400,000 $200,000 $5,982 2.31%
    15 Year 1 $225,000 $225,000 $3,516 2.00%
    20 Year 1 $255,000 $255,000 $1,301 2.00%

    For 2021, United Security Financial Corp's most frequently cited loan duration was 30 Year, with 719 originations. The 2nd most popular length was 5 Year, with 6 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 330 $72,030,000 $218,273
    $1k-2k 210 $53,350,000 $254,048
    $5k+ 74 $31,010,000 $419,054
    $2k-3k 43 $11,165,000 $259,651
    $4k-5k 39 $11,065,000 $283,718
    $3k-4k 38 $9,650,000 $253,947

    United Security Financial Corp's average total fees were $6,318, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 330 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    <2.5% 395 $102,425,000 $259,304
    2.5-3% 236 $56,670,000 $240,127
    3-4% 99 $28,235,000 $285,202
    4-5% 3 $995,000 $331,667
    6-7% 2 $390,000 $195,000

    During 2021, United Security Financial Corp's average interest rate for loans was 2.64%, while their most frequently originated rate bucket for loans was <2.5%, with 395 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 386 $104,720,000 $271,295 $6,731 2.61%
    $100k-200k 264 $43,780,000 $165,833 $4,734 2.65%
    $400k-600k 67 $32,235,000 $481,119 $9,230 2.67%
    $600k-1MM 9 $6,195,000 $688,333 $12,250 2.38%
    $100,000 or less 8 $620,000 $77,500 $3,621 3.06%
    $1MM+ 1 $1,165,000 $1,165,000 $19,608 2.88%

    2021 saw United Security Financial Corp place emphasis on $200k-400k loans with 386 originations, totaling $104,720,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 556 $131,790,000 $237,032 $5,710 2.51%
    $50k-75k 46 $12,650,000 $275,000 $8,290 3.09%
    $100k-150k 33 $12,495,000 $378,636 $9,577 3.12%
    $75k-100k 30 $9,480,000 $316,000 $8,883 3.17%
    $150k-250k 17 $7,765,000 $456,765 $9,651 3.08%
    $250k+ 10 $4,490,000 $449,000 $10,401 3.44%

    United Security Financial Corp lent most frequently to those with incomes in the $50k or less range, with 556 originations. The second most popular income band? $50k-75k, with 46 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    <20% 571 $135,335,000 $237,014 $5,634 2.51%
    30-36% 22 $6,510,000 $295,909 $7,904 3.14%
    20-30% 21 $6,815,000 $324,524 $7,319 2.94%
    50-60% 20 $6,620,000 $331,000 $11,081 3.30%
    40% 19 $6,325,000 $332,895 $7,455 2.74%
    44% 9 $2,795,000 $310,556 $7,605 3.00%
    49% 9 $3,255,000 $361,667 $7,865 3.06%
    46% 9 $2,425,000 $269,444 $8,498 3.14%
    37% 8 $2,490,000 $311,250 $8,294 3.11%
    47% 7 $2,435,000 $347,857 $14,116 3.14%
    41% 6 $1,580,000 $263,333 $8,545 3.33%
    42% 6 $1,900,000 $316,667 $8,067 3.10%
    36% 5 $1,515,000 $303,000 $8,585 3.04%
    43% 5 $1,365,000 $273,000 $6,116 3.03%
    45% 5 $2,925,000 $585,000 $9,995 3.28%
    38% 5 $1,855,000 $371,000 $8,830 2.85%
    39% 4 $1,500,000 $375,000 $8,693 2.53%
    48% 4 $1,070,000 $267,500 $6,872 2.97%

    United Security Financial Corp lent most frequently to those with DTI ratios of <20%, with 571 originations. The next most common DTI ratio? 30-36%, with 22 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 482 $123,310,000 $255,830 $5,904 2.51%
    Black 201 $51,545,000 $256,443 $7,274 2.94%
    Asian 16 $4,320,000 $270,000 $6,400 2.59%
    Other Pacific Islander 13 $3,825,000 $294,231 $6,043 2.48%
    Not provided 12 $3,080,000 $256,667 $5,100 2.40%
    American Indian 6 $1,590,000 $265,000 $7,154 2.85%
    Native Hawaiian or Islander 3 $625,000 $208,333 $4,472 2.96%
    Other Asian 1 $225,000 $225,000 $7,166 2.88%
    Asian Indian 1 $195,000 $195,000 $4,584 2.88%

    Approval Rates

    Total approvals of all applications
    96.86%

    United Security Financial 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
    37.14%

    United Security Financial Corp has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 735 $188,715,000 $256,755

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    735 $188,715,000 $256,755

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 4 $1,280,000 $320,000 $7,128 2.84%
    40-60% 23 $5,775,000 $251,087 $5,064 2.26%
    60-80% 123 $32,605,000 $265,081 $5,698 2.50%
    80-100% 577 $146,575,000 $254,029 $6,453 2.67%
    Over 100% 7 $2,415,000 $345,000 $6,637 2.62%
    Under 20% 1 $65,000 $65,000 $2,971 3.25%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    United Shore Financial Services, LLC FHA mortgage Trouble during payment process 9 4.5%
    United Shore Financial Services, LLC Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 8 4.0%
    United Shore Financial Services, LLC Conventional home mortgage Closing on a mortgage 12 6.0%
    United Shore Financial Services, LLC Conventional home mortgage Incorrect information on your report 3 1.5%
    United Shore Financial Services, LLC Conventional home mortgage Problem with a credit reporting company's investigation into an existing problem 2 1.0%
    United Shore Financial Services, LLC Conventional home mortgage Struggling to pay mortgage 10 5.0%
    United Shore Financial Services, LLC Conventional home mortgage Trouble during payment process 119 59.5%
    United Shore Financial Services, LLC FHA mortgage Applying for a mortgage or refinancing an existing mortgage 3 1.5%
    United Shore Financial Services, LLC FHA mortgage Closing on a mortgage 3 1.5%
    United Shore Financial Services, LLC FHA mortgage Credit monitoring or identity theft protection services 1 0.5%
    United Shore Financial Services, LLC FHA mortgage Incorrect information on your report 1 0.5%
    United Shore Financial Services, LLC FHA mortgage Problem with a credit reporting company's investigation into an existing problem 1 0.5%
    United Shore Financial Services, LLC FHA mortgage Struggling to pay mortgage 5 2.5%
    United Shore Financial Services, LLC Other type of mortgage Closing on a mortgage 1 0.5%
    United Shore Financial Services, LLC VA mortgage Trouble during payment process 12 6.0%
    United Shore Financial Services, LLC Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 3 1.5%
    United Shore Financial Services, LLC VA mortgage Struggling to pay mortgage 2 1.0%
    United Shore Financial Services, LLC VA mortgage Closing on a mortgage 2 1.0%
    United Shore Financial Services, LLC VA mortgage Applying for a mortgage or refinancing an existing mortgage 3 1.5%