U S Wide Financial Mortgage Rates, Fees & Info
WENTZVILLE, MOLEI: 549300OBJRCHJ0G6XU24
Tax ID: 26-4558390
Latest/2021 | 2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
Review & Overview
U S Wide Financial is a smaller mortgage company specializing in Refi and Home Purchase loans. U S Wide Financial has a high proportion of conventional loans. Their top markets by origination volume include: St. Louis, Houston, Dallas, Hartford, and Seattle among others. We have data for 84 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 an above 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 | 6.22% | 3/19/23 |
| 30 Year Conventional Refi | 6.11% | 3/19/23 |
| 30 Year Cash-out Refi | 6.30% | 3/19/23 |
| 30 Year VA Purchase | 5.87% | 3/19/23 |
| 30 Year VA Refi | 5.88% | 3/19/23 |
| 15 Year Conventional Purchase | 5.61% | 3/19/23 |
| 15 Year Conventional Refi | 5.61% | 3/19/23 |
| 15 Year Cash-out Refi | 5.61% | 3/19/23 |
| 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. | ||
Originations
1,182Origination Dollar Volume (All Markets)
$379,120,000Awards
U S WIDE FINANCIAL - 2021
U S WIDE FINANCIAL is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
Work for U S WIDE FINANCIAL?
Use this award on your own site. Either save and use the images below, or pass the provided image embed code to your development team.
Relative Rate
U S Wide Financial's average 30 year fixed mortgage rate was
2.76%.
The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.
This yields a difference of -0.39%.
Relative Fees (Closing Costs)
U S Wide Financial's average total fees/closing costs for a 30 year fixed rate
mortgage were $2,236.
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 $4,750.
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) | 360 | $112,290,000 | $311,917 | $1,686 | 2.58% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 212 | $60,030,000 | $283,160 | $1,919 | 2.46% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 103 | $33,585,000 | $326,068 | $2,286 | 2.46% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 105 | $29,775,000 | $283,571 | $2,647 | 2.66% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 39 | $15,705,000 | $402,692 | $1,968 | 2.75% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 31 | $12,475,000 | $402,419 | $1,757 | 2.61% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 21 | $9,865,000 | $469,762 | $1,427 | 2.59% |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) | 24 | $8,390,000 | $349,583 | $1,499 | 2.57% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 16 | $7,150,000 | $446,875 | $2,223 | 2.52% |
| RICHMOND, VA (FHA|USDA|VA) | 25 | $7,065,000 | $282,600 | $1,781 | 2.79% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 26 | $6,920,000 | $266,154 | $1,408 | 2.70% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 8 | $5,950,000 | $743,750 | $2,537 | 2.47% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 16 | $5,490,000 | $343,125 | $2,887 | 2.71% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 16 | $5,320,000 | $332,500 | $2,156 | 2.47% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 14 | $5,210,000 | $372,143 | $1,719 | 2.43% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 16 | $4,880,000 | $305,000 | $2,442 | 2.63% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 9 | $3,735,000 | $415,000 | $1,969 | 2.50% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 11 | $3,605,000 | $327,727 | $3,156 | 2.66% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 10 | $3,330,000 | $333,000 | $2,977 | 2.64% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 7 | $3,215,000 | $459,286 | $1,739 | 2.73% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 6 | $2,300,000 | $383,333 | $2,649 | 2.79% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 6 | $2,200,000 | $366,667 | $2,023 | 2.65% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 6 | $1,810,000 | $301,667 | $3,044 | 2.75% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 5 | $1,735,000 | $347,000 | $1,911 | 2.43% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 4 | $1,530,000 | $382,500 | $1,566 | 2.59% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 5 | $1,345,000 | $269,000 | $2,884 | 2.25% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 4 | $1,330,000 | $332,500 | $2,213 | 2.63% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 3 | $1,235,000 | $411,667 | $2,983 | 2.67% |
| COLUMBIA, MO (FHA|USDA|VA) | 3 | $1,175,000 | $391,667 | $1,486 | 2.46% |
| JOPLIN, MO (FHA|USDA|VA) | 4 | $960,000 | $240,000 | $1,468 | 2.63% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 2 | $940,000 | $470,000 | $1,473 | 2.81% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 2 | $930,000 | $465,000 | $1,746 | 2.25% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $1,732 | 2.75% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $2,205 | 2.67% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $2,769 | 2.81% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $4,357 | 3.50% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $2,547 | 2.63% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $2,226 | 2.69% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $4,305 | 2.75% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $5,058 | 2.00% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $1,165 | 2.00% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $2,888 | 2.88% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $1,165 | 2.63% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $1,550 | 2.63% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $1,250 | 2.88% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $606 | 2.50% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $2,101 | 3.13% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $1,136 | 2.13% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $1,240 | 2.13% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $15,465 | 2.50% |
| Montrose, CO (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $1,240 | 2.50% |
| Los Alamos, NM (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $2,108 | 2.88% |
| Branson, MO (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $883 | 3.06% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $5,257 | 2.63% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $1,933 | 3.00% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $1,156 | 2.50% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $877 | 2.13% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $1,841 | 2.50% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $1,345 | 2.25% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,900 | 2.88% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $1,115 | 2.00% |
| Shelton, WA (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $2,707 | 2.50% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,550 | 3.38% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $1,543 | 2.75% |
| Warrensburg, MO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $1,879 | 3.13% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $1,491 | 2.25% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,595 | 2.88% |
| Ellensburg, WA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,414 | 2.88% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,065 | 2.25% |
| Crossville, TN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $964 | 3.00% |
| Outside of Metro Areas | 1 | $215,000 | $215,000 | $3,063 | 2.38% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,443 | 3.38% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,242 | 2.25% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,071 | 2.63% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,954 | 2.25% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,561 | 2.75% |
| SALEM, OR (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,999 | 2.88% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,489 | 2.38% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,509 | 3.25% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,904 | 3.00% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $964 | 2.50% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,365 | 2.25% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $984 | 2.63% |
| OWENSBORO, KY (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $1,535 | 3.50% |
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.
Similarity Rank: 45
Similarity Rank: 86
Similarity Rank: 102
Similarity Rank: 153
Similarity Rank: 328
Similarity Rank: 352
Similarity Rank: 354
Similarity Rank: 370
Similarity Rank: 376
Similarity Rank: 405
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 1,163 | $372,575,000 | $320,357 | $1,963 | 2.58% |
| VA | 19 | $6,545,000 | $344,474 | $4,053 | 2.41% |
For 2021, U S Wide Financial's most frequently originated type of loan was Conventional, with 1,163 originations. Their 2nd most popular type was VA, with 19 originations.
Loan Reason
For 2021, U S Wide Financial's most frequently cited loan purpose was Refi, with 720 originations. The 2nd most popular reason was Home Purchase, with 321 originations.
Loan Duration/Length
For 2021, U S Wide Financial's most frequently cited loan duration was 30 Year, with 701 originations. The 2nd most popular length was 15 Year, with 358 originations.
Origination Fees/Closing Costs
U S Wide Financial's average total fees were $2,236, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,093 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| <2.5% | 616 | $199,670,000 | $324,140 |
| 2.5-3% | 470 | $156,860,000 | $333,745 |
| 3-4% | 96 | $22,590,000 | $235,313 |
During 2021, U S Wide Financial's average interest rate for loans was 2.76%, while their most frequently originated rate bucket for loans was <2.5%, with 616 originations.
Loan Sizing
2021 saw U S Wide Financial place emphasis on $200k-400k loans with 722 originations, totaling $213,270,000 in origination value.
Applicant Income
U S Wide Financial lent most frequently to those with incomes in the $100k-150k range, with 555 originations. The second most popular income band? $150k-250k, with 274 originations.
Applicant Debt to Income Ratio
U S Wide Financial lent most frequently to those with DTI ratios of 20-30%, with 432 originations. The next most common DTI ratio? 30-36%, with 242 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.51%
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 origination93.40%
U S Wide Financial has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,182 | $379,120,000 | $320,745 |