United Security Financial Corp Mortgage Rates, Fees & Info
MURRAY, UTLEI: 549300D7GVUYHQEDEE56
Tax ID: 87-0463610
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Mortgage Data
Review & Overview
United Security Financial Corp is a smaller mortgage company specializing in Refi 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, Provo, and Washington among others. We have data for 230 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.00% | 4/14/24 |
| 30 Year Conventional Refi | 6.65% | 4/14/24 |
| 30 Year Cash-out Refi | 6.27% | 4/14/24 |
| 30 Year FHA Purchase | 7.73% | 4/14/24 |
| 30 Year FHA Refi | 7.22% | 4/14/24 |
| 30 Year VA Purchase | 6.58% | 4/14/24 |
| 30 Year VA Refi | 6.42% | 4/14/24 |
| 30 Year USDA Purchase | 6.27% | 4/14/24 |
| 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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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,296Origination Dollar Volume (All Markets)
$322,610,000Awards
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UNITED SECURITY FINANCIAL CORP - 2020
UNITED SECURITY FINANCIAL CORP is a 2020 , due to their low .
For 2020, less than of lenders were eligible for this award.
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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) | 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% |
| PROVO-OREM, UT (FHA|USDA|VA) | 50 | $13,870,000 | $277,400 | $6,193 | 3.06% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 35 | $12,555,000 | $358,714 | $7,714 | 3.00% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 65 | $12,535,000 | $192,846 | $5,807 | 3.09% |
| 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-Anaheim, CA (FHA|USDA|VA) | 15 | $7,135,000 | $475,667 | $9,124 | 2.90% |
| 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% |
| Outside of Metro Areas | 31 | $5,815,000 | $187,581 | $4,500 | 2.80% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 11 | $5,005,000 | $455,000 | $8,066 | 2.97% |
| 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% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 16 | $3,680,000 | $230,000 | $5,935 | 3.05% |
| 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% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 7 | $3,005,000 | $429,286 | $6,768 | 2.66% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 11 | $2,835,000 | $257,727 | $7,171 | 3.01% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 12 | $2,810,000 | $234,167 | $6,395 | 2.91% |
| 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% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 11 | $2,355,000 | $214,091 | $5,199 | 2.69% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 6 | $2,230,000 | $371,667 | $5,996 | 2.71% |
| 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% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 9 | $2,045,000 | $227,222 | $5,693 | 2.75% |
| BOISE CITY, ID (FHA|USDA|VA) | 8 | $2,000,000 | $250,000 | $4,180 | 2.72% |
| 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% |
| 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% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 7 | $1,645,000 | $235,000 | $5,595 | 3.25% |
| 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 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% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 6 | $1,140,000 | $190,000 | $5,656 | 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% |
| Cedar City, UT (FHA|USDA|VA) | 3 | $955,000 | $318,333 | $4,716 | 2.87% |
| 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% |
| Heber, UT (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $5,411 | 2.83% |
| ANCHORAGE, AK (FHA|USDA|VA) | 3 | $905,000 | $301,667 | $7,102 | 2.74% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 5 | $905,000 | $181,000 | $3,736 | 2.97% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 4 | $870,000 | $217,500 | $3,770 | 2.16% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $4,039 | 2.58% |
| 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% |
| TUCSON, AZ (FHA|USDA|VA) | 4 | $740,000 | $185,000 | $3,769 | 2.56% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 4 | $740,000 | $185,000 | $4,899 | 2.84% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $2,181 | 91.97% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $5,275 | 2.74% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $9,191 | 3.71% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $3,508 | 2.58% |
| 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% |
| 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% |
| 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% |
| YUMA, AZ (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $4,396 | 2.38% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $2,258 | 2.50% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $3,181 | 2.66% |
| Cornelia, GA (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $3,702 | 2.74% |
| 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% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $4,745 | 2.62% |
| 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% |
| Jefferson, GA (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $5,979 | 2.99% |
| 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% |
| Elizabeth City, NC (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $5,756 | 2.99% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $6,074 | 2.87% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $5,354 | 2.25% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $6,462 | 2.99% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $5,618 | 2.62% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $4,413 | 2.88% |
| 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% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $5,869 | 2.56% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $5,398 | 2.93% |
| RENO, NV (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $3,979 | 2.69% |
| 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% |
| Cambridge, MD (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $7,083 | 2.38% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $4,186 | 2.68% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $6,514 | 2.99% |
| GRAND FORKS, ND-MN (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $5,188 | 2.38% |
| Holland, MI (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $5,176 | 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% |
| Vernal, UT (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $4,662 | 2.99% |
| Bemidji, MN (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $1,718 | 2.81% |
| Sanford, NC (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $8,668 | 2.99% |
| Waycross, GA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $4,964 | 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% |
| Sunbury, PA (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $4,363 | 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% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $1,629 | 2.25% |
| LOUISVILLE, KY (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $4,612 | 3.00% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $6,580 | 2.38% |
| Outside of Metro Areas | 1 | $325,000 | $325,000 | $4,874 | 2.88% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $3,107 | 2.38% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $3,666 | 1.75% |
| Chillicothe, OH (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $6,889 | 2.38% |
| Columbus, NE (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $6,530 | 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% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,855 | 2.38% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $3,388 | 2.62% |
| FORT WAYNE, IN (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $2,348 | 2.31% |
| GOLDSBORO, NC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,297 | 2.25% |
| Brookings, OR (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,956 | 2.50% |
| Fort Leonard Wood, MO (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $3,507 | 2.13% |
| 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% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $5,449 | 2.38% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $8,031 | 3.00% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $6,544 | 2.99% |
| MANKATO, MN (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $5,626 | 2.38% |
| Bedford, IN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,883 | 2.99% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,213 | 3.00% |
| Cañon City, CO (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,188 | 2.99% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,402 | 2.38% |
| Jennings, LA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,269 | 2.99% |
| 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% |
| Susanville, CA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,362 | 2.99% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,773 | 2.99% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,468 | 2.99% |
| Ontario, OR-ID (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,701 | 2.25% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 3.38% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,338 | 2.99% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,234 | 2.99% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,210 | 2.25% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,934 | 2.88% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $3,257 | 3.37% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,675 | 2.25% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,466 | 3.38% |
| Vicksburg, MS (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,682 | 3.38% |
| 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% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,929 | 2.99% |
| Pahrump, NV (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,838 | 2.88% |
| 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% |
| RAPID CITY, SD (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,462 | 3.00% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,745 | 2.38% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,007 | 2.88% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,315 | 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% |
| ERIE, PA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,377 | 2.38% |
| MERCED, CA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,187 | 2.99% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,502 | 2.99% |
| LONGVIEW, WA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,079 | 3.38% |
| 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% |
| Fitzgerald, GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,280 | 1.75% |
| DeRidder, LA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,674 | 2.25% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,142 | 2.25% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,928 | 2.38% |
| COLUMBUS, IN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,832 | 2.38% |
| LEBANON, PA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,843 | 2.25% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,560 | 2.99% |
| Logansport, IN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,144 | 2.99% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,503 | 1.75% |
| MUNCIE, IN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,779 | 3.50% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,421 | 3.88% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,133 | 3.00% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,877 | 2.99% |
| Zanesville, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,727 | 1.75% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,244 | 2.99% |
| 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% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,987 | 3.38% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,611 | 2.88% |
| OCALA, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,555 | 3.25% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,296 | 3.38% |
| Greensburg, IN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,288 | 3.38% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,033 | 3.38% |
| Starkville, MS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $1,545 | 360.00% |
| Andrews, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,756 | 3.13% |
| Mitchell, SD (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $1,443 | 2.88% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,848 | 2.38% |
| COLUMBIA, MO (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,894 | 3.38% |
| Roswell, NM (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,258 | 3.38% |
| Sidney, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,671 | 2.38% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,237 | 2.25% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,110 | 3.38% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,214 | 2.88% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,016 | 2.99% |
| Paducah, KY-IL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,985 | 2.99% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,231 | 2.88% |
| Bluffton, IN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,222 | 2.25% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,956 | 2.88% |
| GADSDEN, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,772 | 2.38% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,002 | 2.99% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,667 | 2.88% |
| KOKOMO, IN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,439 | 2.88% |
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Product Mix
For 2020, United Security Financial Corp's most frequently originated type of loan was FHA, with 750 originations. Their 2nd most popular type was VA, with 447 originations.
Loan Reason
For 2020, United Security Financial Corp's most frequently cited loan purpose was Refi, with 1,140 originations. The 2nd most popular reason was 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 2020, United Security Financial Corp's most frequently cited loan duration was 30 Year, with 1,296 originations.
Origination Fees/Closing Costs
United Security Financial Corp's average total fees were $5,618, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 524 originations.
Interest Rates
During 2020, United Security Financial Corp's average interest rate for loans was 3.46%, while their most frequently originated rate bucket for loans was 2.5-3%, with 685 originations.
Loan Sizing
2020 saw United Security Financial Corp place emphasis on $200k-400k loans with 725 originations, totaling $195,115,000 in origination value.
Applicant Income
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
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
Approval Rates
Total approvals of all applications99.68%
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 origination59.80%
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
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| United Shore Financial Services, LLC | Conventional home mortgage | Closing on a mortgage | 13 | 11.5% |
| United Shore Financial Services, LLC | VA mortgage | Trouble during payment process | 4 | 3.5% |
| United Shore Financial Services, LLC | VA mortgage | Struggling to pay mortgage | 2 | 1.8% |
| United Shore Financial Services, LLC | VA mortgage | Incorrect information on your report | 1 | 0.9% |
| United Shore Financial Services, LLC | VA mortgage | Closing on a mortgage | 4 | 3.5% |
| United Shore Financial Services, LLC | FHA mortgage | Trouble during payment process | 6 | 5.3% |
| United Shore Financial Services, LLC | FHA mortgage | Struggling to pay mortgage | 2 | 1.8% |
| United Shore Financial Services, LLC | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 3 | 2.7% |
| United Shore Financial Services, LLC | Conventional home mortgage | Trouble during payment process | 48 | 42.5% |
| United Shore Financial Services, LLC | Conventional home mortgage | Struggling to pay mortgage | 9 | 8.0% |
| United Shore Financial Services, LLC | Conventional home mortgage | Problem with a credit reporting company's investigation into an existing problem | 3 | 2.7% |
| United Shore Financial Services, LLC | Conventional home mortgage | Incorrect information on your report | 3 | 2.7% |
| United Shore Financial Services, LLC | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 12 | 10.6% |
| United Shore Financial Services, LLC | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 0.9% |
| United Shore Financial Services, LLC | Other type of mortgage | Trouble during payment process | 1 | 0.9% |
| United Shore Financial Services, LLC | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 0.9% |