U S Wide Financial Mortgage Rates, Fees & Info

WENTZVILLE, MO

LEI: 549300OBJRCHJ0G6XU24

Tax ID: 26-4558390

5 stars - Updated: 9/25/23 - out of 5 stars, based on 15 reviews

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

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Mortgage Data

Review & Overview

U S Wide Financial is a smaller mortgage company specializing in Home Purchase 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, Hartford, Houston, and Nashville among others. We have data for 48 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 6.22% 9/25/23
30 Year Conventional Refi 6.17% 9/25/23
30 Year Cash-out Refi 6.42% 9/25/23
30 Year FHA Purchase 6.27% 9/25/23
30 Year VA Purchase 6.24% 9/25/23
30 Year USDA Purchase 6.14% 9/25/23
15 Year Conventional Purchase 5.56% 9/25/23
15 Year Conventional Refi 5.72% 9/25/23
15 Year Cash-out Refi 5.72% 9/25/23
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.

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

228

Origination Dollar Volume (All Markets)

$76,500,000
Show all (26) awards

Relative Rate

U S Wide Financial's average 30 year fixed mortgage rate was 4.45%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of -0.31%.

Relative Fees (Closing Costs)

U S Wide Financial's average total fees/closing costs for a 30 year fixed rate mortgage were $3,504.

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) 102 $32,730,000 $320,882 $2,903 4.51%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 14 $6,540,000 $467,143 $4,888 3.99%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 22 $6,070,000 $275,909 $3,029 4.11%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 8 $2,940,000 $367,500 $3,914 4.28%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 5 $2,165,000 $433,000 $2,594 3.55%
RICHMOND, VA (FHA|USDA|VA) 4 $2,150,000 $537,500 $3,778 4.28%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 7 $2,065,000 $295,000 $3,842 4.02%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 2 $1,600,000 $800,000 $3,765 4.75%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 3 $1,255,000 $418,333 $3,237 3.58%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 3 $1,105,000 $368,333 $4,060 4.83%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 2 $1,090,000 $545,000 $3,813 4.06%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 3 $1,065,000 $355,000 $4,254 5.00%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 2 $1,050,000 $525,000 $5,629 3.75%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 3 $1,045,000 $348,333 $3,906 3.96%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 2 $950,000 $475,000 $6,259 4.13%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 3 $945,000 $315,000 $3,519 4.42%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 3 $865,000 $288,333 $1,780 3.75%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 2 $740,000 $370,000 $1,565 3.19%
STOCKTON, CA (FHA|USDA|VA) 1 $645,000 $645,000 $1,800 2.88%
KANSAS CITY, MO-KS (FHA|USDA|VA) 2 $620,000 $310,000 $3,378 4.31%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 3 $575,000 $191,667 $3,454 4.08%
JOPLIN, MO (FHA|USDA|VA) 1 $515,000 $515,000 $2,673 3.63%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 2 $500,000 $250,000 $1,596 3.38%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 2 $490,000 $245,000 $3,165 5.06%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $465,000 $465,000 $4,698 4.75%
JACKSON, TN (FHA|USDA|VA) 1 $445,000 $445,000 $18,316 4.75%
OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $415,000 $415,000 $2,670 2.88%
Outside of Metro Areas 3 $395,000 $131,667 $3,716 5.54%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $375,000 $375,000 $3,051 5.25%
Shelton, WA (FHA|USDA|VA) 1 $355,000 $355,000 $17,154 2.50%
AKRON, OH (FHA|USDA|VA) 1 $345,000 $345,000 $3,660 4.63%
COLUMBIA, MO (FHA|USDA|VA) 2 $340,000 $170,000 $869 3.50%
COLUMBUS, OH (FHA|USDA|VA) 1 $335,000 $335,000 $2,753 5.38%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $335,000 $335,000 $4,675 4.13%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $315,000 $315,000 $1,981 5.00%
JEFFERSON CITY, MO (FHA|USDA|VA) 1 $305,000 $305,000 $1,552 5.00%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $275,000 $275,000 $8,243 3.50%
Farmington, MO (FHA|USDA|VA) 1 $275,000 $275,000 $2,289 3.88%
NEW BERN, NC (FHA|USDA|VA) 1 $245,000 $245,000 $2,052 3.38%
BLOOMINGTON, IL (FHA|USDA|VA) 1 $225,000 $225,000 $2,773 2.75%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $225,000 $225,000 $5,365 3.75%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $215,000 $215,000 $1,719 5.00%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $215,000 $215,000 $4,889 1.88%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $205,000 $205,000 $1,703 4.88%
FORT COLLINS, CO (FHA|USDA|VA) 1 $185,000 $185,000 $1,542 5.38%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $105,000 $105,000 $555 3.13%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $95,000 $95,000 $845 3.13%
BELLINGHAM, WA (FHA|USDA|VA) 1 $95,000 $95,000 $2,106 5.75%
U S Wide Financial's top markets include St. Louis, Dallas, Hartford, Houston, and Nashville among others.

Their top states include:
  • Missouri (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Connecticut (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Virginia (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: 30
    Liberty Bank for Savings
    Similarity Rank: 153
    D.W. BROWN MORTGAGE CORP.
    Similarity Rank: 209
    N C P D Federal Credit Union
    Similarity Rank: 306
    ATLANTIS MORTGAGE CO., INC.
    Similarity Rank: 326
    Louviers Federal Credit Union
    Similarity Rank: 328
    Town & Country Bank
    Similarity Rank: 328
    Sanborn Mortgage Corporation
    Similarity Rank: 348
    Schuyler Savings Bank
    Similarity Rank: 352

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 224 $75,060,000 $335,089 $3,165 4.30%
    VA 3 $1,255,000 $418,333 $16,023 3.63%
    USDA 1 $185,000 $185,000 $3,415 3.88%

    For 2022, U S Wide Financial's most frequently originated type of loan was Conventional, with 224 originations. Their 2nd most popular type was VA, with 3 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 178 $61,740,000 $346,854 $3,674 4.53%
    Cash Out Refi 27 $7,705,000 $285,370 $2,514 3.58%
    Refi 20 $6,320,000 $316,000 $1,691 3.18%
    Other 3 $735,000 $245,000 $1,567 3.75%

    For 2022, U S Wide Financial's most frequently cited loan purpose was Home Purchase, with 178 originations. The 2nd most popular reason was Cash Out Refi, with 27 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 183 $64,235,000 $351,011 $3,504 4.45%
    15 Year 37 $10,265,000 $277,432 $2,821 3.70%
    10 Year 4 $720,000 $180,000 $1,095 3.41%
    20 Year 4 $1,280,000 $320,000 $2,610 3.31%

    For 2022, U S Wide Financial's most frequently cited loan duration was 30 Year, with 183 originations. The 2nd most popular length was 15 Year, with 37 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 161 $55,195,000 $342,826
    $1k-2k 35 $10,445,000 $298,429
    $2k-3k 19 $7,175,000 $377,632
    $3k-4k 10 $2,790,000 $279,000
    $4k-5k 2 $620,000 $310,000
    $5k+ 1 $275,000 $275,000

    U S Wide Financial's average total fees were $3,504, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 161 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 69 $21,585,000 $312,826
    4-5% 57 $20,745,000 $363,947
    5-6% 48 $14,330,000 $298,542
    2.5-3% 30 $11,500,000 $383,333
    6-7% 14 $4,590,000 $327,857
    <2.5% 9 $3,275,000 $363,889
    7-8% 1 $475,000 $475,000

    During 2022, U S Wide Financial's average interest rate for loans was 4.45%, while their most frequently originated rate bucket for loans was 3-4%, with 69 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 97 $29,355,000 $302,629 $3,179 4.24%
    $400k-600k 57 $27,315,000 $479,211 $3,949 4.28%
    $100k-200k 49 $7,575,000 $154,592 $2,760 4.48%
    $600k-1MM 17 $11,545,000 $679,118 $4,321 4.00%
    $100,000 or less 8 $710,000 $88,750 $2,273 4.44%

    2022 saw U S Wide Financial place emphasis on $200k-400k loans with 97 originations, totaling $29,355,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 87 $30,835,000 $354,425 $3,442 4.38%
    $150k-250k 66 $23,950,000 $362,879 $3,520 4.26%
    $75k-100k 27 $7,985,000 $295,741 $3,628 4.24%
    $250k+ 24 $9,540,000 $397,500 $3,093 4.13%
    $50k-75k 13 $2,595,000 $199,615 $2,485 4.66%
    $50k or less 11 $1,595,000 $145,000 $2,199 3.85%

    U S Wide Financial lent most frequently to those with incomes in the $100k-150k range, with 87 originations. The second most popular income band? $150k-250k, with 66 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 74 $24,280,000 $328,108 $3,213 4.19%
    30-36% 42 $13,630,000 $324,524 $3,757 4.32%
    <20% 32 $8,660,000 $270,625 $2,886 4.26%
    44% 9 $4,195,000 $466,111 $3,695 4.54%
    40% 9 $2,915,000 $323,889 $2,818 4.21%
    37% 8 $2,320,000 $290,000 $3,356 4.73%
    36% 7 $3,125,000 $446,429 $3,657 4.32%
    42% 6 $2,160,000 $360,000 $2,703 4.38%
    38% 6 $1,900,000 $316,667 $3,219 4.19%
    49% 6 $2,080,000 $346,667 $3,944 3.94%
    41% 5 $1,965,000 $393,000 $3,562 4.55%
    47% 5 $1,645,000 $329,000 $3,500 5.25%
    43% 5 $1,785,000 $357,000 $2,689 4.53%
    48% 4 $1,940,000 $485,000 $3,918 3.97%
    39% 4 $1,590,000 $397,500 $1,886 4.28%
    45% 3 $1,295,000 $431,667 $2,126 4.71%
    46% 2 $660,000 $330,000 $3,352 3.81%
    >60% 1 $355,000 $355,000 $17,154 2.50%

    U S Wide Financial lent most frequently to those with DTI ratios of 20-30%, with 74 originations. The next most common DTI ratio? 30-36%, with 42 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Asian 131 $49,005,000 $374,084 $3,303 4.31%
    White 71 $20,345,000 $286,549 $3,529 4.28%
    Not provided 13 $3,685,000 $283,462 $3,120 4.17%
    Asian Indian 10 $2,660,000 $266,000 $3,020 4.24%
    Black 3 $805,000 $268,333 $2,132 4.17%

    Approval Rates

    Total approvals of all applications
    97.08%

    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
    54.39%

    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 228 $76,500,000 $335,526

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    228 $76,500,000 $335,526

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 9 $1,335,000 $148,333 $1,906 3.94%
    40-60% 12 $3,220,000 $268,333 $2,840 4.25%
    60-80% 94 $28,170,000 $299,681 $3,237 4.19%
    80-100% 112 $43,330,000 $386,875 $3,452 4.41%
    Over 100% 1 $445,000 $445,000 $18,316 4.75%