U S Wide Financial Mortgage Rates, Fees & Info

WENTZVILLE, MO

LEI: 549300OBJRCHJ0G6XU24

Tax ID: 26-4558390

5 stars - Updated: 4/5/25 - out of 5 stars, based on 14 reviews

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Relative Rates
  • Relative Fees
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    U S Wide Financial is a smaller mortgage company specializing in Home Purchase and Refi loans. U S Wide Financial has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: St. Louis, Dallas, Nashville, Houston, and New York among others. We have data for 32 markets. (Some data included below & more in-depth data is available with an active subscription.)

    U S Wide Financial 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. U S Wide Financial is typically a low 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.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.60% 4/5/25
    30 Year Conventional Refi 6.49% 4/5/25
    30 Year Cash-out Refi 7.16% 4/5/25
    30 Year FHA Purchase 6.72% 4/5/25
    30 Year USDA Purchase 7.87% 4/5/25
    15 Year Conventional Purchase 5.64% 4/5/25
    15 Year Conventional Refi 5.58% 4/5/25
    15 Year Cash-out Refi 5.58% 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.

    U S Wide Financial Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from U S Wide Financial. 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

    186

    Origination Dollar Volume (All Markets)

    $80,440,000

    Awards

    U S WIDE FINANCIAL 30 Year Conventional Loans silver U S WIDE FINANCIAL 30 Year Conventional Loans silver U S WIDE FINANCIAL 30 Year Conventional Loans silver
    Show all (3) awards

    Relative Rate

    U S Wide Financial's average 30 year fixed mortgage rate was 6.5%.

    The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.

    This yields a difference of -0.05%.

    Relative Fees (Closing Costs)

    U S Wide Financial's average total fees/closing costs for a 30 year fixed rate mortgage were $3,285.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $8,356.

    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
    ST. LOUIS, MO-IL (FHA|USDA|VA) 112 $45,590,000 $407,054 $2,772 6.27%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 9 $4,855,000 $539,444 $5,184 6.38%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 7 $4,465,000 $637,857 $2,972 5.96%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 9 $3,175,000 $352,778 $4,107 6.42%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 4 $2,630,000 $657,500 $5,052 6.44%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 6 $2,100,000 $350,000 $3,856 6.67%
    RALEIGH-CARY, NC (FHA|USDA|VA) 4 $1,850,000 $462,500 $2,736 6.53%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $1,475,000 $1,475,000 $4,830 6.25%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 2 $1,450,000 $725,000 $2,661 5.56%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 2 $1,360,000 $680,000 $1,683 6.00%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 2 $960,000 $480,000 $2,967 6.75%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 2 $850,000 $425,000 $4,461 6.56%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $765,000 $765,000 $3,476 5.00%
    Outside of Metro Areas 3 $725,000 $241,667 $3,335 6.83%
    WICHITA, KS (FHA|USDA|VA) 1 $715,000 $715,000 $2,984 6.50%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 3 $695,000 $231,667 $2,454 6.46%
    HUNTSVILLE, AL (FHA|USDA|VA) 2 $690,000 $345,000 $1,800 5.63%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 2 $680,000 $340,000 $2,211 6.75%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $565,000 $565,000 $1,945 5.63%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $565,000 $565,000 $2,105 6.00%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $555,000 $555,000 $1,860 5.88%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1 $515,000 $515,000 $4,687 6.63%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $505,000 $505,000 $4,204 6.63%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $425,000 $425,000 $4,512 6.38%
    RICHMOND, VA (FHA|USDA|VA) 1 $365,000 $365,000 $1,890 6.00%
    Pittsburg, KS (FHA|USDA|VA) 1 $335,000 $335,000 $3,487 6.88%
    COLUMBIA, MO (FHA|USDA|VA) 1 $315,000 $315,000 $1,278 6.25%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $315,000 $315,000 $4,813 7.13%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $285,000 $285,000 $1,833 5.00%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $265,000 $265,000 $2,835 7.13%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $205,000 $205,000 $4,562 7.13%
    FAYETTEVILLE, NC (FHA|USDA|VA) 1 $195,000 $195,000 $2,691 6.88%
    U S Wide Financial's top markets include St. Louis, Dallas, Nashville, Houston, and New York among others.

    Their top states include:
  • Missouri (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)

    • Similar Lenders

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

    First Savings Bank of Hegewisch
    Similarity Rank: 36
    Liberty Bank for Savings
    Similarity Rank: 79
    County Savings Bank
    Similarity Rank: 82
    Columbia Bank
    Similarity Rank: 96
    DSLD MORTGAGE, LLC
    Similarity Rank: 105
    N C P D Federal Credit Union
    Similarity Rank: 126
    GSB MORTGAGE, INC.
    Similarity Rank: 133
    BNB Bank
    Similarity Rank: 154
    Mid-Atlantic Federal Credit Union
    Similarity Rank: 168
    AMOCO
    Similarity Rank: 180

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 185 $80,255,000 $433,811 $3,052 6.30%
    USDA 1 $185,000 $185,000 $7,400 6.50%

    For 2024, U S Wide Financial's most frequently originated type of loan was Conventional, with 185 originations. Their 2nd most popular type was USDA, with 1 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 139 $57,945,000 $416,871 $3,508 6.46%
    Refi 46 $22,200,000 $482,609 $1,766 5.83%
    Cash Out Refi 1 $295,000 $295,000 $3,256 7.25%

    For 2024, U S Wide Financial's most frequently cited loan purpose was Home Purchase, with 139 originations. The 2nd most popular reason was Refi, with 46 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 148 $64,070,000 $432,905 $3,285 6.50%
    15 Year 33 $14,275,000 $432,576 $2,354 5.46%
    20 Year 4 $1,920,000 $480,000 $1,852 6.03%
    10 Year 1 $175,000 $175,000 $742 5.63%

    For 2024, U S Wide Financial's most frequently cited loan duration was 30 Year, with 148 originations. The 2nd most popular length was 15 Year, with 33 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 148 $65,260,000 $440,946
    $1k-2k 21 $8,975,000 $427,381
    $2k-3k 6 $1,530,000 $255,000
    $3k-4k 6 $1,690,000 $281,667
    $5k+ 3 $1,625,000 $541,667
    $4k-5k 2 $1,360,000 $680,000

    U S Wide Financial's average total fees were $3,285, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 148 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 104 $45,310,000 $435,673
    5-6% 54 $25,100,000 $464,815
    7-8% 18 $4,760,000 $264,444
    4-5% 10 $5,270,000 $527,000

    During 2024, U S Wide Financial's average interest rate for loans was 6.50%, while their most frequently originated rate bucket for loans was 6-7%, with 104 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 83 $25,845,000 $311,386 $2,880 6.41%
    $400k-600k 49 $24,955,000 $509,286 $3,090 6.15%
    $600k-1MM 36 $25,480,000 $707,778 $3,463 6.10%
    $100k-200k 16 $2,620,000 $163,750 $3,177 6.61%
    $100,000 or less 1 $65,000 $65,000 $1,291 7.25%
    $1MM+ 1 $1,475,000 $1,475,000 $4,830 6.25%

    2024 saw U S Wide Financial place emphasis on $200k-400k loans with 83 originations, totaling $25,845,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 72 $30,200,000 $419,444 $3,162 6.29%
    $100k-150k 49 $19,435,000 $396,633 $2,656 6.36%
    $250k+ 44 $25,030,000 $568,864 $3,613 6.24%
    $75k-100k 16 $4,910,000 $306,875 $2,175 6.34%
    $50k-75k 4 $710,000 $177,500 $4,481 6.53%
    $50k or less 1 $155,000 $155,000 $2,495 6.38%

    U S Wide Financial lent most frequently to those with incomes in the $150k-250k range, with 72 originations. The second most popular income band? $100k-150k, with 49 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 52 $20,680,000 $397,692 $2,843 6.25%
    30-36% 37 $15,455,000 $417,703 $3,230 6.44%
    <20% 16 $4,830,000 $301,875 $2,297 6.41%
    45% 9 $4,315,000 $479,444 $3,709 6.49%
    42% 8 $3,420,000 $427,500 $2,129 6.23%
    38% 8 $4,230,000 $528,750 $2,876 6.20%
    41% 7 $2,755,000 $393,571 $3,217 6.48%
    36% 7 $3,265,000 $466,429 $2,947 5.91%
    40% 7 $3,585,000 $512,143 $4,416 6.64%
    44% 7 $4,545,000 $649,286 $3,708 6.32%
    37% 6 $2,360,000 $393,333 $2,490 6.50%
    46% 5 $2,665,000 $533,000 $4,563 6.03%
    39% 5 $2,425,000 $485,000 $2,539 5.83%
    43% 3 $1,475,000 $491,667 $1,712 5.88%
    47% 3 $1,315,000 $438,333 $4,651 6.63%
    48% 3 $1,655,000 $551,667 $4,756 6.33%
    49% 3 $1,465,000 $488,333 $3,572 5.54%

    U S Wide Financial lent most frequently to those with DTI ratios of 20-30%, with 52 originations. The next most common DTI ratio? 30-36%, with 37 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Asian 141 $61,095,000 $433,298 $3,110 6.27%
    White 35 $14,725,000 $420,714 $2,993 6.48%
    Not provided 10 $4,620,000 $462,000 $2,880 6.21%

    Approval Rates

    Total approvals of all applications
    96.63%

    U S Wide Financial 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
    61.29%

    U S Wide Financial 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 186 $80,440,000 $432,473

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    186 $80,440,000 $432,473

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 3 $815,000 $271,667 $2,695 6.08%
    40-60% 11 $4,265,000 $387,727 $1,799 5.70%
    60-80% 80 $33,940,000 $424,250 $3,198 6.40%
    80-100% 92 $41,420,000 $450,217 $3,134 6.30%