United Security Financial Corp Mortgage Rates, Fees & Info

MURRAY, UT

LEI: 549300D7GVUYHQEDEE56

Tax ID: 87-0463610

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

United Security Financial Corp is a smaller mortgage company specializing in Refi, NA, and Home Purchase loans. They have an average proportion of FHA loans. United Security Financial Corp has an average proportion of conventional loans. Their top markets include Salt Lake City, Phoenix, Atlanta, Washington, and Ogden among others. United Security Financial Corp has an above average approval rate for mortages when compared nationally. 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

516

Origination Dollar Volume (All Markets)

$137,090,000

Awards

UNITED SECURITY FINANCIAL CORP VA Loans gold UNITED SECURITY FINANCIAL CORP VA Loans bronze UNITED SECURITY FINANCIAL CORP VA Loans bronze UNITED SECURITY FINANCIAL CORP VA Loans bronze
Show all (4) awards

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
SALT LAKE CITY, UT (FHA|USDA|VA) 52 $14,880,000 $286,154 $7,041 4.74%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 28 $7,430,000 $265,357 $5,389 4.04%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 35 $7,235,000 $206,714 $6,223 4.64%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 18 $5,590,000 $310,556 $7,809 4.49%
Outside of Metro Areas 17 $4,935,000 $290,294 $6,876 6.24%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 21 $4,755,000 $226,429 $6,960 4.62%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 12 $4,180,000 $348,333 $5,810 3.85%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 14 $4,140,000 $295,714 $4,611 3.82%
PROVO-OREM, UT (FHA|USDA|VA) 12 $3,830,000 $319,167 $6,695 4.45%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 10 $3,430,000 $343,000 $5,069 3.51%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 10 $2,550,000 $255,000 $5,312 3.73%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 9 $2,415,000 $268,333 $7,100 4.11%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 7 $2,165,000 $309,286 $6,824 4.14%
SALEM, OR (FHA|USDA|VA) 7 $1,905,000 $272,143 $5,038 3.96%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 4 $1,680,000 $420,000 $6,199 4.44%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 6 $1,670,000 $278,333 $5,206 3.77%
COLORADO SPRINGS, CO (FHA|USDA|VA) 7 $1,645,000 $235,000 $4,036 3.95%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 7 $1,445,000 $206,429 $4,927 4.16%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 5 $1,405,000 $281,000 $6,967 3.95%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 5 $1,335,000 $267,000 $5,011 4.28%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 5 $1,315,000 $263,000 $6,684 3.75%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 5 $1,295,000 $259,000 $6,453 4.88%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 5 $1,285,000 $257,000 $4,615 4.10%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 4 $1,260,000 $315,000 $4,031 3.91%
ANCHORAGE, AK (FHA|USDA|VA) 4 $1,230,000 $307,500 $4,671 4.06%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 4 $1,160,000 $290,000 $5,719 4.09%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 5 $1,125,000 $225,000 $7,607 5.13%
RALEIGH-CARY, NC (FHA|USDA|VA) 4 $1,120,000 $280,000 $5,426 4.66%
COLUMBUS, OH (FHA|USDA|VA) 5 $1,095,000 $219,000 $3,526 4.03%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 3 $1,055,000 $351,667 $7,753 3.63%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 4 $990,000 $247,500 $2,555 4.25%
BOISE CITY, ID (FHA|USDA|VA) 4 $990,000 $247,500 $4,201 4.06%
GREELEY, CO (FHA|USDA|VA) 3 $985,000 $328,333 $5,015 4.04%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 3 $975,000 $325,000 $6,186 3.88%
FRESNO, CA (FHA|USDA|VA) 4 $960,000 $240,000 $3,388 4.00%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 4 $960,000 $240,000 $5,231 3.81%
STOCKTON, CA (FHA|USDA|VA) 3 $955,000 $318,333 $5,529 3.88%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 4 $950,000 $237,500 $4,906 4.00%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 4 $910,000 $227,500 $4,198 3.81%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 3 $875,000 $291,667 $6,296 3.38%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 5 $825,000 $165,000 $4,024 3.73%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 3 $815,000 $271,667 $4,843 3.71%
JACKSONVILLE, FL (FHA|USDA|VA) 4 $790,000 $197,500 $3,842 4.41%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 2 $770,000 $385,000 $4,282 4.31%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 3 $745,000 $248,333 $6,034 3.71%
RICHMOND, VA (FHA|USDA|VA) 3 $745,000 $248,333 $6,394 3.33%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 4 $730,000 $182,500 $5,703 3.81%
VALLEJO, CA (FHA|USDA|VA) 2 $710,000 $355,000 $11,048 4.25%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 3 $705,000 $235,000 $3,945 4.13%
KANSAS CITY, MO-KS (FHA|USDA|VA) 3 $695,000 $231,667 $4,829 3.54%
MERCED, CA (FHA|USDA|VA) 3 $695,000 $231,667 $5,023 3.83%
PORT ST. LUCIE, FL (FHA|USDA|VA) 2 $680,000 $340,000 $2,641 4.25%
TUCSON, AZ (FHA|USDA|VA) 3 $655,000 $218,333 $3,788 4.13%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $645,000 $645,000 $2,637 4.13%
LAS CRUCES, NM (FHA|USDA|VA) 2 $620,000 $310,000 $4,901 3.25%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 2 $620,000 $310,000 $7,682 3.38%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 3 $615,000 $205,000 $3,510 3.71%
DULUTH, MN-WI (FHA|USDA|VA) 1 $535,000 $535,000 $8,214 4.38%
DAYTON-KETTERING, OH (FHA|USDA|VA) 2 $520,000 $260,000 $3,808 4.13%
Columbus, NE (FHA|USDA|VA) 2 $520,000 $260,000 $4,270 3.75%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 2 $510,000 $255,000 $3,220 3.88%
Helena, MT (FHA|USDA|VA) 2 $500,000 $250,000 $4,725 3.88%
FORT COLLINS, CO (FHA|USDA|VA) 2 $500,000 $250,000 $4,621 3.63%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 2 $500,000 $250,000 $3,464 3.94%
VISALIA, CA (FHA|USDA|VA) 2 $490,000 $245,000 $7,083 3.81%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 2 $490,000 $245,000 $4,389 3.69%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 1 $485,000 $485,000 $9,640 5.25%
KNOXVILLE, TN (FHA|USDA|VA) 2 $480,000 $240,000 $5,653 3.50%
BAKERSFIELD, CA (FHA|USDA|VA) 2 $480,000 $240,000 $3,286 3.88%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 2 $480,000 $240,000 $6,106 3.94%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $455,000 $455,000 $4,363 3.88%
RENO, NV (FHA|USDA|VA) 2 $430,000 $215,000 $4,104 3.63%
PUEBLO, CO (FHA|USDA|VA) 2 $430,000 $215,000 $2,881 4.00%
YUMA, AZ (FHA|USDA|VA) 2 $430,000 $215,000 $3,581 3.88%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 2 $430,000 $215,000 $4,138 4.00%
Cambridge, MD (FHA|USDA|VA) 1 $425,000 $425,000 $6,913 3.38%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $395,000 $395,000 $2,777 4.13%
Shelton, WA (FHA|USDA|VA) 1 $395,000 $395,000 $2,587 3.38%
Pahrump, NV (FHA|USDA|VA) 2 $390,000 $195,000 $3,723 3.88%
ST. LOUIS, MO-IL (FHA|USDA|VA) 2 $390,000 $195,000 $4,999 3.38%
Tullahoma-Manchester, TN (FHA|USDA|VA) 2 $390,000 $195,000 $2,872 3.88%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $365,000 $365,000 $7,937 3.38%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $365,000 $365,000 $4,633 4.13%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 2 $360,000 $180,000 $5,679 4.13%
MISSOULA, MT (FHA|USDA|VA) 1 $355,000 $355,000 $2,686 3.88%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $345,000 $345,000 $3,326 3.88%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $335,000 $335,000 $2,619 3.88%
Outside of Metro Areas 1 $315,000 $315,000 $5,510 3.88%
Richmond-Berea, KY (FHA|USDA|VA) 1 $305,000 $305,000 $8,717 2.88%
Port Angeles, WA (FHA|USDA|VA) 1 $305,000 $305,000 $8,692 3.38%
Chillicothe, OH (FHA|USDA|VA) 1 $305,000 $305,000 $3,967 3.88%
FAYETTEVILLE, NC (FHA|USDA|VA) 1 $295,000 $295,000 $8,475 4.13%
Brookings, OR (FHA|USDA|VA) 1 $295,000 $295,000 $4,089 3.88%
YORK-HANOVER, PA (FHA|USDA|VA) 1 $295,000 $295,000 $0 3.75%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $275,000 $275,000 $8,270 3.38%
Willmar, MN (FHA|USDA|VA) 1 $275,000 $275,000 $11,164 40.81%
FLORENCE, SC (FHA|USDA|VA) 1 $275,000 $275,000 $14,527 5.00%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $265,000 $265,000 $4,408 4.38%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $265,000 $265,000 $4,784 4.38%
WICHITA, KS (FHA|USDA|VA) 1 $265,000 $265,000 $7,443 4.00%
SAVANNAH, GA (FHA|USDA|VA) 1 $255,000 $255,000 $3,602 4.88%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $255,000 $255,000 $4,666 3.88%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $245,000 $245,000 $4,524 3.88%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $245,000 $245,000 $3,166 3.88%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $235,000 $235,000 $11,765 4.88%
ALBUQUERQUE, NM (FHA|USDA|VA) 1 $235,000 $235,000 $7,213 4.13%
DECATUR, AL (FHA|USDA|VA) 1 $235,000 $235,000 $5,730 3.38%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $235,000 $235,000 $3,791 4.13%
ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $235,000 $235,000 $3,485 3.88%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $235,000 $235,000 $4,483 3.88%
TEXARKANA, TX-AR (FHA|USDA|VA) 1 $235,000 $235,000 $6,772 3.00%
WARNER ROBINS, GA (FHA|USDA|VA) 1 $225,000 $225,000 $4,243 3.63%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $215,000 $215,000 $4,016 3.88%
Gardnerville Ranchos, NV (FHA|USDA|VA) 1 $215,000 $215,000 $7,860 2.88%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $205,000 $205,000 $4,676 4.38%
Bemidji, MN (FHA|USDA|VA) 1 $205,000 $205,000 $2,542 4.38%
PANAMA CITY, FL (FHA|USDA|VA) 1 $205,000 $205,000 $4,124 3.88%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $205,000 $205,000 $4,592 3.38%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $205,000 $205,000 $4,045 3.88%
EL CENTRO, CA (FHA|USDA|VA) 1 $205,000 $205,000 $2,903 4.38%
THE VILLAGES, FL (FHA|USDA|VA) 1 $205,000 $205,000 $7,069 4.13%
Mount Vernon, OH (FHA|USDA|VA) 1 $195,000 $195,000 $5,735 3.38%
GADSDEN, AL (FHA|USDA|VA) 1 $195,000 $195,000 $5,351 3.38%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $195,000 $195,000 $2,518 3.88%
LAFAYETTE, LA (FHA|USDA|VA) 1 $195,000 $195,000 $0 3.38%
PEORIA, IL (FHA|USDA|VA) 1 $195,000 $195,000 $6,326 3.13%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $195,000 $195,000 $0 3.88%
GREEN BAY, WI (FHA|USDA|VA) 1 $185,000 $185,000 $3,895 3.88%
Roseburg, OR (FHA|USDA|VA) 1 $185,000 $185,000 $5,816 3.38%
ROCHESTER, MN (FHA|USDA|VA) 1 $175,000 $175,000 $5,714 3.88%
STAUNTON, VA (FHA|USDA|VA) 1 $175,000 $175,000 $4,029 3.88%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $175,000 $175,000 $4,088 3.63%
Poplar Bluff, MO (FHA|USDA|VA) 1 $165,000 $165,000 $2,438 3.88%
Americus, GA (FHA|USDA|VA) 1 $165,000 $165,000 $3,101 3.38%
LONGVIEW, WA (FHA|USDA|VA) 1 $165,000 $165,000 $5,574 3.88%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $165,000 $165,000 $5,507 3.38%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $165,000 $165,000 $2,751 3.88%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $155,000 $155,000 $5,236 4.13%
JACKSONVILLE, NC (FHA|USDA|VA) 1 $145,000 $145,000 $3,681 3.38%
PITTSBURGH, PA (FHA|USDA|VA) 1 $85,000 $85,000 $2,378 5.00%

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

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
VA 338 $93,720,000 $277,278 $4,874 4.02%
FHA 138 $32,110,000 $232,681 $7,840 4.73%
Conventional 40 $11,260,000 $281,500 $5,163 4.93%

For the 2019 period, United Security Financial Corp's most frequently originated loan type of loans were VA, with 338 originations. Their 2nd most popular type is FHA, with 138 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Refi 273 $72,835,000 $266,795 $5,417 4.03%
NA 122 $33,810,000 $277,131 $4,516 3.86%
Home Purchase 117 $29,405,000 $251,325 $7,524 4.99%
Cash Out Refi 4 $1,040,000 $260,000 $8,065 13.23%

For the 2019, United Security Financial Corp's most frequently cited loan purpose of loans were Refi, with 273 originations. The 2nd most popular reason of loans were NA, with 122 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 499 $133,155,000 $266,844 $5,730 4.30%
Other 14 $3,360,000 $240,000 $4,768 3.88%
15 Year 2 $320,000 $160,000 $3,317 3.31%
20 Year 1 $255,000 $255,000 $6,083 3.38%

For the 2019, United Security Financial Corp's most frequently cited loan length of loans were 30 Year, with 499 originations. The 2nd most popular length of loans were Other, with 14 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 255 $61,555,000 $241,392
$2k-3k 92 $28,000,000 $304,348
$3k-4k 78 $19,710,000 $252,692
$5k+ 62 $20,850,000 $336,290
$<1k 22 $5,450,000 $247,727

$5,730 of loans were United Security Financial Corp's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 255 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 272 $73,530,000 $270,331
4-5% 158 $42,120,000 $266,582
5-6% 63 $14,845,000 $235,635
2.5-3% 10 $2,680,000 $268,000
<2.5% 2 $660,000 $330,000
6-7% 2 $630,000 $315,000
Over 8% 2 $670,000 $335,000

During 2019, United Security Financial Corp's average interest rate of loans were 4.30%, while their most frequently originated rate bucket of loans were 3-4%, with 272 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 346 $95,730,000 $276,676 $5,868 4.35%
$100k-200k 124 $21,500,000 $173,387 $4,911 4.24%
$400k-600k 41 $18,885,000 $460,610 $6,968 3.91%
$100,000 or less 4 $330,000 $82,500 $2,957 4.28%
$600k-1MM 1 $645,000 $645,000 $2,637 4.13%

2019 saw United Security Financial Corp place emphasis on $200k-400k loans with 346 originations, totaling $95,730,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$50k or less 367 $95,475,000 $260,150 $5,317 4.02%
$50k-75k 36 $8,580,000 $238,333 $7,458 4.89%
$75k-100k 33 $8,525,000 $258,333 $8,428 6.45%
$100k-150k 23 $8,065,000 $350,652 $7,928 4.72%
$150k-250k 6 $2,250,000 $375,000 $6,526 4.56%
$250k+ 2 $720,000 $360,000 $11,840 4.88%

United Security Financial Corp lent most frequently to those with incomes in the $50k or less range, with 367 originations. The second most popular income band? $50k-75k, with 36 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
<20% 262 $71,360,000 $272,366 $5,075 3.80%
50-60% 25 $6,275,000 $251,000 $8,610 4.93%
30-36% 15 $4,015,000 $267,667 $8,130 4.84%
20-30% 10 $3,120,000 $312,000 $6,617 4.41%
39% 10 $2,640,000 $264,000 $4,942 4.99%
48% 10 $2,270,000 $227,000 $6,999 5.35%
49% 8 $2,160,000 $270,000 $7,734 4.83%
42% 8 $2,230,000 $278,750 $7,809 5.17%
45% 7 $1,855,000 $265,000 $7,518 4.46%
40% 7 $1,705,000 $243,571 $6,901 10.44%
46% 6 $1,600,000 $266,667 $9,061 5.27%
43% 6 $1,160,000 $193,333 $8,407 5.13%
36% 5 $1,395,000 $279,000 $7,022 4.23%
37% 4 $1,030,000 $257,500 $4,177 4.75%
41% 4 $1,100,000 $275,000 $10,703 5.59%
47% 3 $1,075,000 $358,333 $6,778 4.75%
44% 3 $475,000 $158,333 $5,573 4.67%
38% 2 $430,000 $215,000 $7,235 5.31%

United Security Financial Corp lent most frequently to those with DTI ratios of <20%, with 262 originations. The next most common DTI ratio? 50-60%, with 25 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 362 $97,850,000 $270,304 $5,467 4.18%
Black 112 $28,480,000 $254,286 $6,504 4.39%
Not provided 29 $7,335,000 $252,931 $5,134 5.31%
Asian 7 $1,935,000 $276,429 $6,157 3.52%
American Indian 3 $765,000 $255,000 $6,437 3.83%
Native Hawaiian 3 $725,000 $241,667 $7,224 4.88%

Approval Rates

Total approvals of all applications
98.99%

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
53.14%

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 516 $137,090,000 $265,678

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
Single Family (1-4 Units):Manufactured 2 $350,000 $175,000
Single Family (1-4 Units):Site-Built 514 $136,740,000 $266,031

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 1 $155,000 $155,000 $3,317 3.25%
40-60% 9 $2,285,000 $253,889 $4,352 3.97%
60-80% 22 $5,820,000 $264,545 $4,744 4.21%
80-100% 278 $73,220,000 $263,381 $5,903 4.46%
Over 100% 24 $6,330,000 $263,750 $5,211 3.76%

Complaints

Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
United Shore Financial Services, LLC FHA mortgage Closing on a mortgage 2 6.1%
United Shore Financial Services, LLC FHA mortgage Trouble during payment process 4 12.1%
United Shore Financial Services, LLC VA mortgage Trouble during payment process 1 3.0%
United Shore Financial Services, LLC VA mortgage Closing on a mortgage 2 6.1%
United Shore Financial Services, LLC VA mortgage Applying for a mortgage or refinancing an existing mortgage 4 12.1%
United Shore Financial Services, LLC Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 2 6.1%
United Shore Financial Services, LLC Conventional home mortgage Incorrect information on your report 1 3.0%
United Shore Financial Services, LLC Conventional home mortgage Struggling to pay mortgage 2 6.1%
United Shore Financial Services, LLC Conventional home mortgage Trouble during payment process 15 45.5%