United Security Financial Corp Mortgage Rates, Fees & Info

MURRAY, UT

LEI: 549300D7GVUYHQEDEE56

Tax ID: 87-0463610

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

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: Salt Lake City, Atlanta, Ogden, Washington, and Phoenix among others. We have data for 106 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. 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	7.00%	4/21/24
30 Year Conventional Refi	6.65%	4/21/24
30 Year Cash-out Refi	6.27%	4/21/24
30 Year FHA Purchase	7.73%	4/21/24
30 Year FHA Refi	7.22%	4/21/24
30 Year VA Purchase	6.58%	4/21/24
30 Year VA Refi	6.42%	4/21/24
30 Year USDA Purchase	6.27%	4/21/24
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 Security Financial Corp Mortgage Calculator

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This is not an official calculator from United Security Financial 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

379

Origination Dollar Volume (All Markets)

$87,885,000

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
SALT LAKE CITY, UT (FHA\|USDA\|VA)	82	$21,890,000	$266,951	$0	4.73%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA\|USDA\|VA)	31	$6,055,000	$195,323	$0	4.84%
OGDEN-CLEARFIELD, UT (FHA\|USDA\|VA)	21	$5,375,000	$255,952	$0	4.50%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA\|USDA\|VA)	17	$5,235,000	$307,941	$0	4.30%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	27	$4,715,000	$174,630	$0	4.40%
PROVO-OREM, UT (FHA\|USDA\|VA)	16	$4,470,000	$279,375	$0	4.73%
Los Angeles-Long Beach-Anaheim, CA (FHA\|USDA\|VA)	4	$1,860,000	$465,000	$0	4.56%
Dallas-Fort Worth-Arlington, TX (FHA\|USDA\|VA)	8	$1,780,000	$222,500	$0	4.48%
Outside of Metro Areas	11	$1,655,000	$150,455	$0	4.43%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA\|USDA\|VA)	6	$1,620,000	$270,000	$0	3.90%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA\|USDA\|VA)	4	$1,350,000	$337,500	$0	3.34%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA\|USDA\|VA)	5	$1,145,000	$229,000	$0	4.40%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA\|USDA\|VA)	6	$1,110,000	$185,000	$0	4.56%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA\|USDA\|VA)	4	$900,000	$225,000	$0	4.81%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA\|USDA\|VA)	2	$850,000	$425,000	$0	5.13%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA\|USDA\|VA)	2	$800,000	$400,000	$0	4.88%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA\|USDA\|VA)	5	$795,000	$159,000	$0	4.65%
San Francisco-Oakland-Berkeley, CA (FHA\|USDA\|VA)	2	$720,000	$360,000	$0	4.75%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA\|USDA\|VA)	1	$695,000	$695,000	$0	2.88%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	4	$630,000	$157,500	$0	4.38%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA\|USDA\|VA)	2	$630,000	$315,000	$0	3.88%
ST. LOUIS, MO-IL (FHA\|USDA\|VA)	2	$610,000	$305,000	$0	4.88%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA\|USDA\|VA)	2	$590,000	$295,000	$0	3.63%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA\|USDA\|VA)	3	$585,000	$195,000	$0	5.21%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA\|USDA\|VA)	2	$580,000	$290,000	$0	4.88%
SALINAS, CA (FHA\|USDA\|VA)	1	$575,000	$575,000	$0	4.38%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA\|USDA\|VA)	3	$575,000	$191,667	$0	4.83%
Heber, UT (FHA\|USDA\|VA)	2	$560,000	$280,000	$0	4.63%
ANCHORAGE, AK (FHA\|USDA\|VA)	2	$530,000	$265,000	$0	3.88%
JACKSONVILLE, FL (FHA\|USDA\|VA)	3	$525,000	$175,000	$0	3.54%
SALEM, OR (FHA\|USDA\|VA)	2	$520,000	$260,000	$0	4.69%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA\|USDA\|VA)	1	$515,000	$515,000	$0	2.88%
New York-Newark-Jersey City, NY-NJ-PA (FHA\|USDA\|VA)	2	$510,000	$255,000	$0	4.74%
OKLAHOMA CITY, OK (FHA\|USDA\|VA)	2	$480,000	$240,000	$0	5.44%
HUNTSVILLE, AL (FHA\|USDA\|VA)	3	$465,000	$155,000	$0	4.00%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA\|USDA\|VA)	2	$450,000	$225,000	$0	4.63%
RICHMOND, VA (FHA\|USDA\|VA)	2	$450,000	$225,000	$0	4.31%
FAYETTEVILLE, NC (FHA\|USDA\|VA)	2	$450,000	$225,000	$0	5.38%
BIRMINGHAM-HOOVER, AL (FHA\|USDA\|VA)	1	$445,000	$445,000	$0	4.38%
RALEIGH-CARY, NC (FHA\|USDA\|VA)	2	$440,000	$220,000	$0	5.31%
MEMPHIS, TN-MS-AR (FHA\|USDA\|VA)	2	$410,000	$205,000	$0	4.63%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA\|USDA\|VA)	2	$400,000	$200,000	$0	3.81%
NAPLES-MARCO ISLAND, FL (FHA\|USDA\|VA)	1	$345,000	$345,000	$0	5.25%
VALLEJO, CA (FHA\|USDA\|VA)	1	$345,000	$345,000	$0	5.00%
STOCKTON, CA (FHA\|USDA\|VA)	1	$335,000	$335,000	$0	4.38%
GREENVILLE-ANDERSON, SC (FHA\|USDA\|VA)	2	$320,000	$160,000	$0	4.38%
MOBILE, AL (FHA\|USDA\|VA)	4	$320,000	$80,000	$0	5.34%
Kingsville, TX (FHA\|USDA\|VA)	1	$305,000	$305,000	$0	2.88%
Seattle-Tacoma-Bellevue, WA (FHA\|USDA\|VA)	1	$295,000	$295,000	$0	4.38%
CLEVELAND-ELYRIA, OH (FHA\|USDA\|VA)	2	$290,000	$145,000	$0	4.13%
COLUMBIA, SC (FHA\|USDA\|VA)	2	$290,000	$145,000	$0	4.56%
ST. GEORGE, UT (FHA\|USDA\|VA)	1	$285,000	$285,000	$0	4.63%
OCALA, FL (FHA\|USDA\|VA)	2	$280,000	$140,000	$0	4.13%
Show Low, AZ (FHA\|USDA\|VA)	2	$280,000	$140,000	$0	4.50%
SPARTANBURG, SC (FHA\|USDA\|VA)	1	$275,000	$275,000	$0	5.38%
KNOXVILLE, TN (FHA\|USDA\|VA)	1	$275,000	$275,000	$0	4.25%
MADERA, CA (FHA\|USDA\|VA)	1	$275,000	$275,000	$0	4.38%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA\|USDA\|VA)	2	$270,000	$135,000	$0	4.56%
WICHITA, KS (FHA\|USDA\|VA)	1	$265,000	$265,000	$0	4.75%
Hermiston-Pendleton, OR (FHA\|USDA\|VA)	2	$260,000	$130,000	$0	4.31%
BUFFALO-CHEEKTOWAGA, NY (FHA\|USDA\|VA)	1	$255,000	$255,000	$0	4.88%
MEDFORD, OR (FHA\|USDA\|VA)	1	$245,000	$245,000	$0	3.75%
COLUMBUS, OH (FHA\|USDA\|VA)	2	$240,000	$120,000	$0	4.75%
LOUISVILLE, KY (FHA\|USDA\|VA)	2	$230,000	$115,000	$0	3.88%
HANFORD-CORCORAN, CA (FHA\|USDA\|VA)	1	$225,000	$225,000	$0	4.75%
ROANOKE, VA (FHA\|USDA\|VA)	1	$225,000	$225,000	$0	3.88%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA\|USDA\|VA)	1	$225,000	$225,000	$0	5.13%
Centralia, WA (FHA\|USDA\|VA)	1	$215,000	$215,000	$0	4.38%
Chicago-Naperville-Elgin, IL-IN-WI (FHA\|USDA\|VA)	1	$215,000	$215,000	$0	3.88%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA\|USDA\|VA)	1	$205,000	$205,000	$0	3.38%
LINCOLN, NE (FHA\|USDA\|VA)	1	$195,000	$195,000	$0	3.38%
JANESVILLE-BELOIT, WI (FHA\|USDA\|VA)	1	$195,000	$195,000	$0	4.75%
SAVANNAH, GA (FHA\|USDA\|VA)	1	$185,000	$185,000	$0	4.00%
LAKELAND-WINTER HAVEN, FL (FHA\|USDA\|VA)	1	$185,000	$185,000	$0	4.75%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA\|USDA\|VA)	1	$175,000	$175,000	$0	5.75%
ROCHESTER, MN (FHA\|USDA\|VA)	1	$175,000	$175,000	$0	4.38%
GREENSBORO-HIGH POINT, NC (FHA\|USDA\|VA)	1	$175,000	$175,000	$0	4.88%
Price, UT (FHA\|USDA\|VA)	1	$175,000	$175,000	$0	4.75%
JACKSON, MS (FHA\|USDA\|VA)	1	$175,000	$175,000	$0	3.75%
ALBANY-LEBANON, OR (FHA\|USDA\|VA)	1	$175,000	$175,000	$0	4.75%
HOUMA-THIBODAUX, LA (FHA\|USDA\|VA)	1	$165,000	$165,000	$0	4.38%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA\|USDA\|VA)	1	$165,000	$165,000	$0	4.75%
CAPE CORAL-FORT MYERS, FL (FHA\|USDA\|VA)	1	$165,000	$165,000	$0	4.75%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA\|USDA\|VA)	1	$165,000	$165,000	$0	4.88%
BOISE CITY, ID (FHA\|USDA\|VA)	1	$165,000	$165,000	$0	4.75%
EL PASO, TX (FHA\|USDA\|VA)	1	$165,000	$165,000	$0	2.25%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA\|USDA\|VA)	1	$165,000	$165,000	$0	4.75%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA\|USDA\|VA)	1	$165,000	$165,000	$0	4.38%
PENSACOLA-FERRY PASS-BRENT, FL (FHA\|USDA\|VA)	1	$155,000	$155,000	$0	4.75%
LOGAN, UT-ID (FHA\|USDA\|VA)	1	$155,000	$155,000	$0	4.38%
Andrews, TX (FHA\|USDA\|VA)	1	$155,000	$155,000	$0	4.75%
GREEN BAY, WI (FHA\|USDA\|VA)	1	$155,000	$155,000	$0	3.88%
CINCINNATI, OH-KY-IN (FHA\|USDA\|VA)	1	$155,000	$155,000	$0	4.75%
CAPE GIRARDEAU, MO-IL (FHA\|USDA\|VA)	1	$145,000	$145,000	$0	4.63%
Roswell, NM (FHA\|USDA\|VA)	1	$145,000	$145,000	$0	4.38%
Detroit-Warren-Dearborn, MI (FHA\|USDA\|VA)	1	$145,000	$145,000	$0	3.38%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA\|USDA\|VA)	1	$135,000	$135,000	$0	4.75%
Celina, OH (FHA\|USDA\|VA)	1	$125,000	$125,000	$0	3.88%
TUCSON, AZ (FHA\|USDA\|VA)	1	$125,000	$125,000	$0	4.13%
Palatka, FL (FHA\|USDA\|VA)	1	$115,000	$115,000	$0	4.88%
DULUTH, MN-WI (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	4.75%
MILWAUKEE-WAUKESHA, WI (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	4.38%
ELIZABETHTOWN-FORT KNOX, KY (FHA\|USDA\|VA)	1	$85,000	$85,000	$0	4.63%
BROWNSVILLE-HARLINGEN, TX (FHA\|USDA\|VA)	1	$85,000	$85,000	$0	3.38%
ROCKY MOUNT, NC (FHA\|USDA\|VA)	1	$65,000	$65,000	$0	5.38%
Ardmore, OK (FHA\|USDA\|VA)	1	$65,000	$65,000	$0	5.75%

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

Their top states include:

Utah (FHA|USDA|VA)

California (FHA|USDA|VA)

Georgia (FHA|USDA|VA)

Arizona (FHA|USDA|VA)

Maryland (FHA|USDA|VA)

Similar Lenders

We use machine learning to identify the top lenders compared against UNITED SECURITY FINANCIAL CORP based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

FRONTWAVE
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LBS FINANCIAL
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Greenfield Banking Company
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Whitley Mortgage Associates, Inc.
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Jordan Federal Credit Union
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Bank of Clarke County
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LA Financial Federal Credit Union
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Belmont Savings Bank, SSB
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Hendricks County Bank and Trust Company
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LIBRARY OF CONGRESS
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Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
FHA	209	$44,305,000	$211,986	$0	4.69%
Conventional	89	$21,825,000	$245,225	$0	4.94%
VA	81	$21,755,000	$268,580	$0	3.76%

For 2018, United Security Financial Corp's most frequently originated type of loan was FHA, with 209 originations. Their 2nd most popular type was Conventional, with 89 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Refi	208	$43,570,000	$209,471	$0	4.30%
Home Purchase	147	$37,735,000	$256,701	$0	4.92%
Cash Out Refi	23	$6,415,000	$278,913	$0	4.46%
NA	1	$165,000	$165,000	$0	4.38%

For 2018, United Security Financial Corp's most frequently cited loan purpose was Refi, with 208 originations. The 2nd most popular reason was Home Purchase, with 147 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	362	$84,650,000	$233,840	$0	4.56%
Other	9	$1,675,000	$186,111	$0	4.44%
15 Year	5	$875,000	$175,000	$0	4.05%
20 Year	3	$685,000	$228,333	$0	3.71%

For 2018, United Security Financial Corp's most frequently cited loan duration was 30 Year, with 362 originations. The 2nd most popular length was Other, with 9 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$<1k	221	$44,655,000	$202,059
$5k+	53	$19,885,000	$375,189
$2k-3k	29	$5,475,000	$188,793
$1k-2k	27	$5,095,000	$188,704
$3k-4k	24	$6,020,000	$250,833
$4k-5k	17	$4,455,000	$262,059

United Security Financial Corp's average total fees were $0, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 221 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
4-5%	220	$48,030,000	$218,318
5-6%	80	$19,330,000	$241,625
3-4%	63	$15,175,000	$240,873
2.5-3%	8	$2,830,000	$353,750
<2.5%	7	$2,175,000	$310,714

During 2018, United Security Financial Corp's average interest rate for loans was 4.56%, while their most frequently originated rate bucket for loans was 4-5%, with 220 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-200k	168	$25,830,000	$153,750	$0	4.51%
$200k-400k	161	$45,385,000	$281,894	$0	4.56%
$400k-600k	24	$11,360,000	$473,333	$0	4.30%
$100,000 or less	20	$1,490,000	$74,500	$0	4.96%
$600k-1MM	6	$3,820,000	$636,667	$0	4.69%

2018 saw United Security Financial Corp place emphasis on $100k-200k loans with 168 originations, totaling $25,830,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$50k or less	113	$23,915,000	$211,637	$0	4.35%
$50k-75k	78	$17,580,000	$225,385	$0	4.60%
$75k-100k	52	$13,700,000	$263,462	$0	4.70%
$100k-150k	27	$8,535,000	$316,111	$0	4.64%
$150k-250k	15	$6,665,000	$444,333	$0	4.53%
$250k+	11	$2,565,000	$233,182	$0	5.22%

United Security Financial Corp lent most frequently to those with incomes in the $50k or less range, with 113 originations. The second most popular income band? $50k-75k, with 78 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
50-60%	36	$10,150,000	$281,944	$0	4.84%
30-36%	30	$7,800,000	$260,000	$0	4.52%
20-30%	21	$5,255,000	$250,238	$0	4.49%
<20%	20	$3,520,000	$176,000	$0	4.61%
44%	15	$3,745,000	$249,667	$0	4.63%
38%	12	$3,090,000	$257,500	$0	4.53%
45%	12	$2,290,000	$190,833	$0	5.08%
49%	12	$3,660,000	$305,000	$0	5.01%
43%	10	$2,620,000	$262,000	$0	4.71%
46%	9	$2,075,000	$230,556	$0	4.50%
40%	9	$2,085,000	$231,667	$0	4.79%
42%	8	$2,110,000	$263,750	$0	4.48%
39%	8	$2,700,000	$337,500	$0	4.86%
36%	7	$1,925,000	$275,000	$0	4.39%
47%	6	$1,290,000	$215,000	$0	4.85%
48%	5	$1,435,000	$287,000	$0	5.23%
37%	5	$1,515,000	$303,000	$0	4.23%
41%	4	$1,020,000	$255,000	$0	5.19%

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

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	249	$57,825,000	$232,229	$0	4.49%
Black	104	$23,450,000	$225,481	$0	4.76%
Native Hawaiian or Islander	8	$2,080,000	$260,000	$0	3.86%
Asian	7	$1,955,000	$279,286	$0	4.45%
American Indian	6	$1,710,000	$285,000	$0	4.17%
Not provided	3	$465,000	$155,000	$0	4.79%
Not applicable	2	$400,000	$200,000	$0	4.63%

Approval Rates

Total approvals of all applications
99.39%

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
65.96%

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	379	$87,885,000	$231,887

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Single Family (1-4 Units):Manufactured	1	$85,000	$85,000
Single Family (1-4 Units):Site-Built	378	$87,800,000	$232,275

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	10	$1,770,000	$177,000	$0	4.50%
40-60%	15	$3,075,000	$205,000	$0	4.48%
60-80%	38	$7,830,000	$206,053	$0	4.67%
80-100%	284	$67,220,000	$236,690	$0	4.61%
Over 100%	15	$4,095,000	$273,000	$0	3.78%
Under 20%	1	$35,000	$35,000	$0	6.00%

Complaints

Bank Name	Product	Issue	2018 CPFB Complaints	% of Total Issues
United Shore Financial Services, LLC	Conventional home mortgage	Trouble during payment process	11	42.3%
United Shore Financial Services, LLC	FHA mortgage	Trouble during payment process	2	7.7%
United Shore Financial Services, LLC	Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	1	3.8%
United Shore Financial Services, LLC	FHA mortgage	Closing on a mortgage	1	3.8%
United Shore Financial Services, LLC	VA mortgage	Trouble during payment process	2	7.7%
United Shore Financial Services, LLC	Conventional home mortgage	Closing on a mortgage	3	11.5%
United Shore Financial Services, LLC	Conventional home mortgage	Struggling to pay mortgage	6	23.1%