United Built Homes Mortgage Rates, Fees & Info
BATON ROUGE, LALEI: 549300HTRLFU2IIL4380
Tax ID: 72-0506617
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Mortgage Data
Review & Overview
United Built Homes is a smaller mortgage company specializing in Home Purchase loans. United Built Homes has a high proportion of conventional loans. Their top markets by origination volume include: Dallas, Fayetteville, San Antonio, Shreveport, and Texarkana among others. We have data for 58 markets. (Some data included below & more in-depth data is available with an active subscription.)United Built Homes has a below 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 relatively high 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 | 6.72% | 4/5/25 |
| 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 Built Homes Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
268Origination Dollar Volume (All Markets)
$93,080,000Relative Rate
United Built Homes's average 30 year fixed mortgage rate was
8.99%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 2.44%.
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 |
|---|---|---|---|---|---|
| Outside of Metro Areas | 80 | $28,250,000 | $353,125 | $0 | 8.99% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 29 | $10,565,000 | $364,310 | $0 | 8.99% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 9 | $2,925,000 | $325,000 | $0 | 8.99% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 8 | $2,910,000 | $363,750 | $0 | 8.99% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 10 | $2,780,000 | $278,000 | $0 | 8.99% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 8 | $2,650,000 | $331,250 | $0 | 8.99% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 8 | $2,540,000 | $317,500 | $0 | 8.99% |
| LONGVIEW, TX (FHA|USDA|VA) | 8 | $2,480,000 | $310,000 | $0 | 8.99% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 7 | $2,355,000 | $336,429 | $0 | 8.99% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 6 | $2,170,000 | $361,667 | $0 | 8.99% |
| MONROE, LA (FHA|USDA|VA) | 5 | $2,135,000 | $427,000 | $0 | 8.99% |
| TULSA, OK (FHA|USDA|VA) | 6 | $1,910,000 | $318,333 | $0 | 8.99% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 5 | $1,795,000 | $359,000 | $0 | 8.99% |
| TYLER, TX (FHA|USDA|VA) | 5 | $1,615,000 | $323,000 | $0 | 8.99% |
| Alice, TX (FHA|USDA|VA) | 5 | $1,595,000 | $319,000 | $0 | 8.99% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 3 | $1,465,000 | $488,333 | $0 | 8.99% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 3 | $1,345,000 | $448,333 | $0 | 8.99% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 3 | $1,195,000 | $398,333 | $0 | 8.99% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 3 | $1,145,000 | $381,667 | $0 | 8.99% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 3 | $1,065,000 | $355,000 | $0 | 8.99% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 3 | $1,025,000 | $341,667 | $0 | 8.99% |
| Granbury, TX (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $0 | 8.99% |
| Athens, TX (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $0 | 8.99% |
| El Campo, TX (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $0 | 8.99% |
| Corsicana, TX (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $0 | 8.99% |
| Brenham, TX (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $0 | 8.99% |
| Huntsville, TX (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $0 | 8.99% |
| Nacogdoches, TX (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $0 | 8.99% |
| WACO, TX (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $0 | 8.99% |
| Beeville, TX (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $0 | 8.99% |
| Mineral Wells, TX (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $0 | 8.99% |
| Ardmore, OK (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $0 | 8.99% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $0 | 8.99% |
| Stephenville, TX (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $0 | 8.99% |
| Rockport, TX (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $0 | 8.99% |
| Mount Pleasant, TX (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $0 | 8.99% |
| Fredericksburg, TX (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $0 | 8.99% |
| Searcy, AR (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 8.99% |
| Bonham, TX (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 8.99% |
| Bay City, TX (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $0 | 8.99% |
| Natchitoches, LA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $0 | 8.99% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 8.99% |
| Russellville, AR (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 8.99% |
| VICTORIA, TX (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 8.99% |
| Gainesville, TX (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 8.99% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 8.99% |
| DeRidder, LA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 8.99% |
| Stillwater, OK (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 8.99% |
| Miami, OK (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 8.99% |
| Lufkin, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 8.99% |
| Minden, LA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 8.99% |
| Kingsville, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 8.99% |
| Sulphur Springs, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 8.99% |
| PINE BLUFF, AR (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 8.99% |
| Hope, AR (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 8.99% |
| Camden, AR (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 8.99% |
| Pearsall, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 8.99% |
| Bartlesville, OK (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 8.99% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 268 | $93,080,000 | $347,313 | $0 | 8.99% |
For 2024, United Built Homes's most frequently originated type of loan was Conventional, with 268 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 268 | $93,080,000 | $347,313 | $0 | 8.99% |
For 2024, United Built Homes's most frequently cited loan purpose was Home Purchase, with 268 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 268 | $93,080,000 | $347,313 | $0 | 8.99% |
For 2024, United Built Homes's most frequently cited loan duration was 30 Year, with 268 originations.
Origination Fees/Closing Costs
United Built Homes's average total fees were $0, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 16 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| Over 8% | 268 | $93,080,000 | $347,313 |
During 2024, United Built Homes's average interest rate for loans was 8.99%, while their most frequently originated rate bucket for loans was Over 8%, with 268 originations.
Loan Sizing
2024 saw United Built Homes place emphasis on $200k-400k loans with 209 originations, totaling $66,095,000 in origination value.
Applicant Income
United Built Homes lent most frequently to those with incomes in the $100k-150k range, with 107 originations. The second most popular income band? $150k-250k, with 83 originations.
Applicant Debt to Income Ratio
United Built Homes lent most frequently to those with DTI ratios of 30-36%, with 50 originations. The next most common DTI ratio? 42%, with 49 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications68.75%
United Built Homes has a low approval rate. They may have poor market targeting or stringent lending standards.
Pick Rate
Approvals leading to origination24.25%
United Built Homes 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 | 268 | $93,080,000 | $347,313 |