United Security Financial Corp Mortgage Rates, Fees & Info

MURRAY, UT

LEI: 549300D7GVUYHQEDEE56

Tax ID: 87-0463610

2.39 stars - out of 5 stars, based on 36 reviews

2020 Data | 2019 Data | 2018 Data


Overview

United Security Financial Corp is a smaller mortgage company specializing in Refi loans. United Security Financial Corp has They have a a high proportion of FHA loans. an average proportion of conventional loans. Their top markets include Salt Lake City, Atlanta, Ogden, Provo, and Phoenix among others. They have an above average approval rate for mortages when compared nationally -- and they have a below average pick rate when compared to the same sample of other lendors. United Security Financial Corp is typically an average fee lendor.


Originations

1,296

Origination Dollar Volume (All Markets)

$322,610,000
Show all (23) awards

Relative Rate

United Security Financial Corp's average 30 year fixed rate mortgage of loans were 3.46%.

The 2020 average 30 year fixed rate mortgage across all markets of loans were 3.36%.

This yields a difference of 0.1%.

Relative Fees

United Security Financial Corp's average total fees for a 30 year fixed rate mortgage are $5,618.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $5,021.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
SALT LAKE CITY, UT (FHA|USDA|VA) 151 $42,755,000 $283,146 $6,168 3.00%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 117 $27,025,000 $230,983 $5,991 3.12%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 79 $20,725,000 $262,342 $6,151 3.05%
Outside of Metro Areas 90 $18,610,000 $206,778 $4,464 6.75%
PROVO-OREM, UT (FHA|USDA|VA) 50 $13,870,000 $277,400 $6,193 3.06%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 65 $12,535,000 $192,846 $5,807 3.09%
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV (FHA|USDA|VA) 31 $10,755,000 $346,935 $7,108 3.02%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 42 $8,750,000 $208,333 $5,023 2.88%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 25 $7,465,000 $298,600 $5,361 2.84%
LOS ANGELES-LONG BEACH-GLENDALE, CA (FHA|USDA|VA) 13 $5,995,000 $461,154 $8,807 2.89%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 17 $5,875,000 $345,588 $6,041 2.80%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 14 $5,870,000 $419,286 $7,325 2.68%
OAKLAND-BERKELEY-LIVERMORE, CA (FHA|USDA|VA) 10 $4,450,000 $445,000 $8,168 3.05%
RALEIGH-CARY, NC (FHA|USDA|VA) 19 $4,325,000 $227,632 $5,530 3.01%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 20 $3,930,000 $196,500 $4,533 2.88%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 12 $3,630,000 $302,500 $5,740 2.60%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 12 $3,590,000 $299,167 $7,468 3.20%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 12 $3,300,000 $275,000 $6,279 2.83%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 12 $3,050,000 $254,167 $5,313 2.64%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 11 $2,835,000 $257,727 $7,171 3.01%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 9 $2,585,000 $287,222 $5,890 2.43%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 7 $2,565,000 $366,429 $6,787 2.78%
DALLAS-PLANO-IRVING, TX (FHA|USDA|VA) 11 $2,455,000 $223,182 $5,803 3.08%
FRESNO, CA (FHA|USDA|VA) 10 $2,210,000 $221,000 $4,612 2.81%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 11 $2,165,000 $196,818 $6,008 3.79%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 9 $2,055,000 $228,333 $5,584 3.04%
WARREN-TROY-FARMINGTON HILLS, MI (FHA|USDA|VA) 9 $2,035,000 $226,111 $5,231 2.62%
BOISE CITY, ID (FHA|USDA|VA) 8 $2,000,000 $250,000 $4,180 2.72%
SEATTLE-BELLEVUE-KENT, WA (FHA|USDA|VA) 5 $1,995,000 $399,000 $6,095 2.78%
MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA (FHA|USDA|VA) 8 $1,980,000 $247,500 $6,106 2.82%
VALLEJO, CA (FHA|USDA|VA) 5 $1,955,000 $391,000 $8,124 2.72%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 7 $1,915,000 $273,571 $6,979 2.86%
COLUMBUS, OH (FHA|USDA|VA) 10 $1,910,000 $191,000 $4,919 2.91%
PITTSBURGH, PA (FHA|USDA|VA) 10 $1,910,000 $191,000 $5,151 2.92%
FREDERICK-GAITHERSBURG-ROCKVILLE, MD (FHA|USDA|VA) 4 $1,800,000 $450,000 $12,259 2.81%
FAYETTEVILLE, NC (FHA|USDA|VA) 10 $1,770,000 $177,000 $4,244 2.94%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 7 $1,765,000 $252,143 $5,341 2.80%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 3 $1,705,000 $568,333 $6,942 2.87%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 7 $1,655,000 $236,429 $4,984 2.94%
ST. GEORGE, UT (FHA|USDA|VA) 7 $1,625,000 $232,143 $5,370 2.81%
BAKERSFIELD, CA (FHA|USDA|VA) 7 $1,575,000 $225,000 $4,134 2.71%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 7 $1,545,000 $220,714 $4,297 2.61%
NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ (FHA|USDA|VA) 2 $1,460,000 $730,000 $9,324 2.81%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 5 $1,375,000 $275,000 $5,619 2.92%
WINSTON-SALEM, NC (FHA|USDA|VA) 9 $1,365,000 $151,667 $3,712 2.69%
FORT WORTH-ARLINGTON-GRAPEVINE, TX (FHA|USDA|VA) 5 $1,225,000 $245,000 $6,225 3.00%
YORK-HANOVER, PA (FHA|USDA|VA) 6 $1,140,000 $190,000 $5,656 2.99%
ANAHEIM-SANTA ANA-IRVINE, CA (FHA|USDA|VA) 2 $1,140,000 $570,000 $11,185 2.99%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 5 $1,135,000 $227,000 $6,900 2.74%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 6 $1,070,000 $178,333 $4,625 2.72%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 5 $975,000 $195,000 $5,022 2.89%
READING, PA (FHA|USDA|VA) 4 $970,000 $242,500 $6,961 2.99%
ASHEVILLE, NC (FHA|USDA|VA) 4 $950,000 $237,500 $5,127 2.81%
COLUMBIA, SC (FHA|USDA|VA) 5 $925,000 $185,000 $5,232 3.15%
JACKSONVILLE, FL (FHA|USDA|VA) 5 $905,000 $181,000 $3,736 2.97%
ANCHORAGE, AK (FHA|USDA|VA) 3 $905,000 $301,667 $7,102 2.74%
JACKSONVILLE, NC (FHA|USDA|VA) 4 $870,000 $217,500 $3,770 2.16%
MIAMI-MIAMI BEACH-KENDALL, FL (FHA|USDA|VA) 3 $855,000 $285,000 $5,028 3.17%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 3 $845,000 $281,667 $4,039 2.58%
NEW BRUNSWICK-LAKEWOOD, NJ (FHA|USDA|VA) 3 $845,000 $281,667 $5,499 2.75%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 4 $840,000 $210,000 $3,660 2.41%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 3 $835,000 $278,333 $3,677 2.54%
RICHMOND, VA (FHA|USDA|VA) 3 $815,000 $271,667 $3,601 2.83%
BATON ROUGE, LA (FHA|USDA|VA) 4 $810,000 $202,500 $5,073 2.68%
SALINAS, CA (FHA|USDA|VA) 2 $770,000 $385,000 $5,220 2.75%
SAVANNAH, GA (FHA|USDA|VA) 4 $760,000 $190,000 $4,115 2.84%
OKLAHOMA CITY, OK (FHA|USDA|VA) 4 $750,000 $187,500 $4,158 2.50%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 4 $740,000 $185,000 $4,899 2.84%
TUCSON, AZ (FHA|USDA|VA) 4 $740,000 $185,000 $3,769 2.56%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 4 $730,000 $182,500 $2,181 91.97%
ELGIN, IL (FHA|USDA|VA) 3 $725,000 $241,667 $5,652 2.88%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 3 $705,000 $235,000 $5,275 2.74%
NASSAU COUNTY-SUFFOLK COUNTY, NY (FHA|USDA|VA) 2 $700,000 $350,000 $6,115 2.38%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 3 $685,000 $228,333 $9,191 3.71%
CHICAGO-NAPERVILLE-EVANSTON, IL (FHA|USDA|VA) 3 $675,000 $225,000 $6,753 2.79%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 3 $675,000 $225,000 $5,527 2.50%
WILMINGTON, NC (FHA|USDA|VA) 3 $675,000 $225,000 $5,525 2.99%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 3 $675,000 $225,000 $3,508 2.58%
COEUR D'ALENE, ID (FHA|USDA|VA) 2 $650,000 $325,000 $4,874 2.88%
GARY, IN (FHA|USDA|VA) 3 $645,000 $215,000 $4,675 2.58%
STOCKTON, CA (FHA|USDA|VA) 2 $640,000 $320,000 $4,758 2.75%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 3 $635,000 $211,667 $5,429 2.83%
PHILADELPHIA, PA (FHA|USDA|VA) 3 $625,000 $208,333 $6,910 3.12%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 3 $625,000 $208,333 $5,246 2.99%
IDAHO FALLS, ID (FHA|USDA|VA) 2 $590,000 $295,000 $5,619 1.75%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 2 $590,000 $295,000 $5,542 2.38%
GREELEY, CO (FHA|USDA|VA) 2 $580,000 $290,000 $5,819 2.62%
FLINT, MI (FHA|USDA|VA) 3 $575,000 $191,667 $3,519 2.50%
WARNER ROBINS, GA (FHA|USDA|VA) 3 $565,000 $188,333 $3,181 2.66%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 3 $565,000 $188,333 $2,258 2.50%
YUMA, AZ (FHA|USDA|VA) 3 $565,000 $188,333 $4,396 2.38%
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA (FHA|USDA|VA) 1 $555,000 $555,000 $7,045 2.25%
DULUTH, MN-WI (FHA|USDA|VA) 1 $535,000 $535,000 $3,800 2.38%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 3 $525,000 $175,000 $4,633 2.75%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 2 $520,000 $260,000 $5,548 3.00%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 2 $500,000 $250,000 $5,738 2.68%
EL PASO, TX (FHA|USDA|VA) 3 $495,000 $165,000 $4,104 2.38%
PUNTA GORDA, FL (FHA|USDA|VA) 2 $490,000 $245,000 $5,679 3.13%
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL (FHA|USDA|VA) 2 $490,000 $245,000 $6,898 3.18%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $475,000 $475,000 $10,488 2.38%
BOULDER, CO (FHA|USDA|VA) 1 $475,000 $475,000 $10,953 1.75%
KANSAS CITY, MO-KS (FHA|USDA|VA) 3 $475,000 $158,333 $2,785 2.67%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $465,000 $465,000 $5,354 2.25%
HUNTSVILLE, AL (FHA|USDA|VA) 3 $465,000 $155,000 $6,074 2.87%
VISALIA, CA (FHA|USDA|VA) 2 $460,000 $230,000 $4,413 2.88%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 2 $460,000 $230,000 $5,618 2.62%
EAST STROUDSBURG, PA (FHA|USDA|VA) 2 $460,000 $230,000 $6,462 2.99%
CORPUS CHRISTI, TX (FHA|USDA|VA) 2 $450,000 $225,000 $4,079 2.56%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 3 $445,000 $148,333 $7,231 3.29%
RENO, NV (FHA|USDA|VA) 2 $440,000 $220,000 $3,979 2.69%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 2 $440,000 $220,000 $5,398 2.93%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $440,000 $220,000 $5,869 2.56%
MONROE, LA (FHA|USDA|VA) 2 $430,000 $215,000 $5,843 2.99%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 2 $430,000 $215,000 $6,288 2.88%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 2 $420,000 $210,000 $4,186 2.68%
GRAND FORKS, ND-MN (FHA|USDA|VA) 2 $410,000 $205,000 $5,188 2.38%
COLORADO SPRINGS, CO (FHA|USDA|VA) 2 $410,000 $205,000 $6,514 2.99%
SALEM, OR (FHA|USDA|VA) 1 $395,000 $395,000 $5,790 2.38%
ALBUQUERQUE, NM (FHA|USDA|VA) 2 $390,000 $195,000 $6,539 2.99%
REDDING, CA (FHA|USDA|VA) 2 $380,000 $190,000 $4,381 2.99%
DALTON, GA (FHA|USDA|VA) 2 $380,000 $190,000 $3,724 2.62%
GRAND JUNCTION, CO (FHA|USDA|VA) 2 $360,000 $180,000 $4,909 2.99%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $345,000 $345,000 $6,331 2.38%
LANCASTER, PA (FHA|USDA|VA) 2 $340,000 $170,000 $4,976 2.99%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 2 $340,000 $170,000 $4,612 3.00%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 2 $340,000 $170,000 $1,629 2.25%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $325,000 $325,000 $6,580 2.38%
DETROIT-DEARBORN-LIVONIA, MI (FHA|USDA|VA) 2 $320,000 $160,000 $5,052 2.99%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 2 $320,000 $160,000 $3,666 1.75%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 2 $320,000 $160,000 $3,107 2.38%
TULSA, OK (FHA|USDA|VA) 2 $310,000 $155,000 $4,893 2.88%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $310,000 $155,000 $5,850 3.00%
FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL (FHA|USDA|VA) 2 $300,000 $150,000 $5,143 3.44%
FORT WAYNE, IN (FHA|USDA|VA) 2 $300,000 $150,000 $2,348 2.31%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 2 $300,000 $150,000 $3,388 2.62%
GOLDSBORO, NC (FHA|USDA|VA) 1 $295,000 $295,000 $3,297 2.25%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 2 $290,000 $145,000 $2,192 2.99%
MODESTO, CA (FHA|USDA|VA) 1 $285,000 $285,000 $1,965 2.38%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $275,000 $275,000 $8,031 3.00%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $275,000 $275,000 $5,449 2.38%
MANKATO, MN (FHA|USDA|VA) 1 $275,000 $275,000 $5,626 2.38%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $255,000 $255,000 $7,402 2.38%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 1 $255,000 $255,000 $7,213 3.00%
ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $245,000 $245,000 $7,005 2.38%
LOGAN, UT-ID (FHA|USDA|VA) 1 $245,000 $245,000 $5,527 2.99%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $235,000 $235,000 $4,468 2.99%
TACOMA-LAKEWOOD, WA (FHA|USDA|VA) 1 $235,000 $235,000 $5,503 2.38%
WILLIAMSPORT, PA (FHA|USDA|VA) 1 $235,000 $235,000 $6,773 2.99%
PUEBLO, CO (FHA|USDA|VA) 1 $225,000 $225,000 $5,234 2.99%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $225,000 $225,000 $5,338 2.99%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $225,000 $225,000 $4,934 2.88%
ROCHESTER, MN (FHA|USDA|VA) 1 $225,000 $225,000 $4,210 2.25%
MANHATTAN, KS (FHA|USDA|VA) 1 $225,000 $225,000 $0 3.38%
ROCKY MOUNT, NC (FHA|USDA|VA) 2 $220,000 $110,000 $3,257 3.37%
KNOXVILLE, TN (FHA|USDA|VA) 1 $215,000 $215,000 $5,466 3.38%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $205,000 $205,000 $4,929 2.99%
WILMINGTON, DE-MD-NJ (FHA|USDA|VA) 1 $205,000 $205,000 $6,868 3.00%
PANAMA CITY, FL (FHA|USDA|VA) 1 $205,000 $205,000 $4,262 2.50%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $205,000 $205,000 $4,840 2.50%
RAPID CITY, SD (FHA|USDA|VA) 1 $195,000 $195,000 $6,462 3.00%
HAMMOND, LA (FHA|USDA|VA) 1 $195,000 $195,000 $5,656 2.99%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $195,000 $195,000 $3,854 2.38%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $185,000 $185,000 $3,315 2.99%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $185,000 $185,000 $3,007 2.88%
EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $175,000 $175,000 $4,502 2.99%
GREENVILLE, NC (FHA|USDA|VA) 1 $175,000 $175,000 $4,718 2.99%
LAKE CHARLES, LA (FHA|USDA|VA) 1 $175,000 $175,000 $2,450 2.25%
BURLINGTON, NC (FHA|USDA|VA) 1 $175,000 $175,000 $4,590 2.99%
MERCED, CA (FHA|USDA|VA) 1 $175,000 $175,000 $4,187 2.99%
ERIE, PA (FHA|USDA|VA) 1 $175,000 $175,000 $3,377 2.38%
CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $165,000 $165,000 $3,503 1.75%
MIDLAND, TX (FHA|USDA|VA) 1 $165,000 $165,000 $6,133 3.00%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $165,000 $165,000 $2,928 2.38%
MOBILE, AL (FHA|USDA|VA) 1 $165,000 $165,000 $5,421 3.88%
VALDOSTA, GA (FHA|USDA|VA) 1 $165,000 $165,000 $4,560 2.99%
MUNCIE, IN (FHA|USDA|VA) 1 $165,000 $165,000 $1,779 3.50%
COLUMBUS, IN (FHA|USDA|VA) 1 $165,000 $165,000 $2,832 2.38%
GETTYSBURG, PA (FHA|USDA|VA) 1 $165,000 $165,000 $4,942 2.99%
GAINESVILLE, GA (FHA|USDA|VA) 1 $165,000 $165,000 $4,541 2.99%
LONGVIEW, WA (FHA|USDA|VA) 1 $165,000 $165,000 $6,079 3.38%
LEBANON, PA (FHA|USDA|VA) 1 $165,000 $165,000 $3,843 2.25%
MANSFIELD, OH (FHA|USDA|VA) 1 $155,000 $155,000 $3,611 2.38%
ODESSA, TX (FHA|USDA|VA) 1 $155,000 $155,000 $5,863 3.00%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $155,000 $155,000 $2,242 3.00%
NEW BERN, NC (FHA|USDA|VA) 1 $155,000 $155,000 $4,244 2.99%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $145,000 $145,000 $2,296 3.38%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 1 $145,000 $145,000 $2,033 3.38%
OCALA, FL (FHA|USDA|VA) 1 $145,000 $145,000 $2,555 3.25%
YUBA CITY, CA (FHA|USDA|VA) 1 $145,000 $145,000 $2,848 2.38%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $145,000 $145,000 $2,611 2.88%
SPARTANBURG, SC (FHA|USDA|VA) 1 $135,000 $135,000 $2,237 2.25%
COLUMBIA, MO (FHA|USDA|VA) 1 $135,000 $135,000 $4,894 3.38%
WICHITA, KS (FHA|USDA|VA) 1 $125,000 $125,000 $2,214 2.88%
JACKSON, MS (FHA|USDA|VA) 1 $115,000 $115,000 $5,231 2.88%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $115,000 $115,000 $4,016 2.99%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $105,000 $105,000 $3,002 2.99%
GADSDEN, AL (FHA|USDA|VA) 1 $105,000 $105,000 $1,772 2.38%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $105,000 $105,000 $1,956 2.88%
KOKOMO, IN (FHA|USDA|VA) 1 $95,000 $95,000 $1,439 2.88%
BATTLE CREEK, MI (FHA|USDA|VA) 1 $95,000 $95,000 $1,667 2.88%

United Security Financial Corp's top markets include Salt Lake City, Atlanta, Ogden, Provo, and Phoenix among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
FHA 750 $174,430,000 $232,573 $6,455 3.15%
VA 448 $118,590,000 $264,710 $4,503 4.11%
Conventional 98 $29,590,000 $301,939 $4,218 2.93%

For the 2020 period, United Security Financial Corp's most frequently originated loan type of loans were FHA, with 750 originations. Their 2nd most popular type is VA, with 448 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Refi 1,140 $277,880,000 $243,754 $5,538 3.49%
Home Purchase 145 $42,655,000 $294,172 $6,443 3.27%
NA 9 $1,735,000 $192,778 $2,760 2.80%
Home Improvement 1 $225,000 $225,000 $3,759 2.50%
Cash Out Refi 1 $115,000 $115,000 $3,332 3.00%

For the 2020, United Security Financial Corp's most frequently cited loan purpose of loans were Refi, with 1,140 originations. The 2nd most popular reason of loans were Home Purchase, with 145 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 1,296 $322,610,000 $248,927 $5,618 3.46%

For the 2020, United Security Financial Corp's most frequently cited loan length of loans were 30 Year, with 1,296 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$<1k 524 $119,200,000 $227,481
$1k-2k 522 $126,360,000 $242,069
$2k-3k 116 $31,130,000 $268,362
$3k-4k 89 $26,135,000 $293,652
$5k+ 41 $18,945,000 $462,073

$5,618 of loans were United Security Financial Corp's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 524 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
2.5-3% 685 $166,455,000 $243,000
<2.5% 339 $89,865,000 $265,088
3-4% 215 $52,855,000 $245,837
4-5% 47 $11,295,000 $240,319
5-6% 5 $1,145,000 $229,000
Over 8% 2 $310,000 $155,000

During 2020, United Security Financial Corp's average interest rate of loans were 3.46%, while their most frequently originated rate bucket of loans were 2.5-3%, with 685 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 725 $195,115,000 $269,124 $6,143 2.92%
$100k-200k 458 $74,180,000 $161,965 $4,362 4.48%
$400k-600k 88 $41,660,000 $473,409 $7,201 2.73%
$600k-1MM 12 $8,110,000 $675,833 $11,281 2.90%
$100,000 or less 11 $915,000 $83,182 $2,823 3.04%
$1MM+ 2 $2,630,000 $1,315,000 $15,943 3.13%

2020 saw United Security Financial Corp place emphasis on $200k-400k loans with 725 originations, totaling $195,115,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$50k or less 888 $209,860,000 $236,329 $5,558 3.21%
$50k-75k 44 $12,530,000 $284,773 $7,571 3.50%
$100k-150k 40 $15,220,000 $380,500 $6,868 2.98%
$75k-100k 37 $10,525,000 $284,459 $6,476 3.28%
$150k-250k 13 $4,285,000 $329,615 $4,054 3.09%
$250k+ 6 $3,920,000 $653,333 $7,564 3.06%

United Security Financial Corp lent most frequently to those with incomes in the $50k or less range, with 888 originations. The second most popular income band? $50k-75k, with 44 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
<20% 566 $135,430,000 $239,276 $5,343 2.80%
20-30% 30 $11,130,000 $371,000 $5,057 2.88%
30-36% 28 $7,730,000 $276,071 $4,110 2.93%
50-60% 18 $5,730,000 $318,333 $11,313 3.65%
42% 14 $4,370,000 $312,143 $8,454 3.62%
40% 9 $2,245,000 $249,444 $3,884 2.97%
49% 9 $3,225,000 $358,333 $10,935 3.42%
47% 9 $2,725,000 $302,778 $6,761 3.60%
45% 8 $2,130,000 $266,250 $7,352 3.61%
44% 7 $2,665,000 $380,714 $6,364 3.27%
>60% 6 $2,400,000 $400,000 $8,585 3.29%
41% 6 $1,720,000 $286,667 $5,436 3.35%
38% 6 $1,630,000 $271,667 $6,083 3.06%
39% 5 $1,265,000 $253,000 $5,561 3.35%
46% 3 $945,000 $315,000 $8,439 3.88%
43% 3 $985,000 $328,333 $7,480 2.58%
37% 2 $560,000 $280,000 $4,281 3.13%
48% 2 $690,000 $345,000 $8,965 3.31%
36% 1 $235,000 $235,000 $4,266 3.13%

United Security Financial Corp lent most frequently to those with DTI ratios of <20%, with 566 originations. The next most common DTI ratio? 20-30%, with 30 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 912 $225,140,000 $246,864 $5,411 3.23%
Black 284 $71,430,000 $251,514 $6,145 4.37%
Not provided 35 $8,625,000 $246,429 $5,568 2.91%
Asian 22 $6,510,000 $295,909 $6,283 2.97%
Not applicable 24 $5,540,000 $230,833 $6,372 3.12%
Native Hawaiian 11 $3,245,000 $295,000 $5,993 2.85%
American Indian 6 $1,570,000 $261,667 $6,130 3.04%
Other Pacific Islander 1 $355,000 $355,000 $7,389 2.99%
Other Asian 1 $195,000 $195,000 $6,000 3.00%

Approval Rates

Total approvals of all applications
99.55%

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
58.51%

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 1,296 $322,610,000 $248,927

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
Single Family (1-4 Units):Manufactured 1 $115,000 $115,000
Single Family (1-4 Units):Site-Built 1,295 $322,495,000 $249,031

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 4 $830,000 $207,500 $5,522 2.47%
40-60% 33 $8,885,000 $269,242 $4,545 2.57%
60-80% 144 $35,890,000 $249,236 $4,524 2.68%
80-100% 845 $209,845,000 $248,337 $5,947 3.35%
Over 100% 9 $2,385,000 $265,000 $6,091 2.57%
Under 20% 2 $370,000 $185,000 $5,493 2.00%