U S Wide Financial Mortgage Rates, Fees & Info

WENTZVILLE, MO

LEI: 549300OBJRCHJ0G6XU24

Tax ID: 26-4558390

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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 a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: St. Louis, Seattle, Dallas, Denver, and Houston among others. We have data for 41 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. 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% 3/28/24
30 Year Conventional Refi 6.17% 3/28/24
30 Year Cash-out Refi 6.42% 3/28/24
30 Year FHA Purchase 6.27% 3/28/24
30 Year VA Purchase 6.24% 3/28/24
30 Year USDA Purchase 6.14% 3/28/24
15 Year Conventional Purchase 5.56% 3/28/24
15 Year Conventional Refi 5.72% 3/28/24
15 Year Cash-out Refi 5.72% 3/28/24
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.

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

248

Origination Dollar Volume (All Markets)

$80,170,000
Show all (8) awards

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) 82 $25,600,000 $312,195 $2,718 4.33%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 23 $8,815,000 $383,261 $4,516 4.24%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 23 $7,085,000 $308,043 $4,305 4.08%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 17 $6,985,000 $410,882 $3,295 4.28%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 20 $5,260,000 $263,000 $4,405 4.42%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 7 $2,965,000 $423,571 $3,082 4.00%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 9 $2,865,000 $318,333 $3,242 4.11%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 5 $1,905,000 $381,000 $3,640 4.28%
RICHMOND, VA (FHA|USDA|VA) 7 $1,455,000 $207,857 $2,289 4.45%
KANSAS CITY, MO-KS (FHA|USDA|VA) 5 $1,445,000 $289,000 $2,181 4.33%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 6 $1,440,000 $240,000 $2,564 4.40%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 3 $1,245,000 $415,000 $4,509 3.83%
SPRINGFIELD, MO (FHA|USDA|VA) 3 $1,085,000 $361,667 $3,090 4.25%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 3 $1,055,000 $351,667 $3,688 3.83%
Outside of Metro Areas 3 $965,000 $321,667 $2,397 4.17%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 3 $945,000 $315,000 $3,096 4.21%
GREELEY, CO (FHA|USDA|VA) 1 $845,000 $845,000 $2,681 3.75%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $665,000 $665,000 $3,475 4.25%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 2 $660,000 $330,000 $2,695 4.94%
COLORADO SPRINGS, CO (FHA|USDA|VA) 2 $520,000 $260,000 $3,771 3.94%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 2 $510,000 $255,000 $2,705 4.75%
FORT COLLINS, CO (FHA|USDA|VA) 2 $490,000 $245,000 $3,774 4.75%
BOULDER, CO (FHA|USDA|VA) 1 $475,000 $475,000 $3,065 4.00%
COLUMBIA, MO (FHA|USDA|VA) 1 $385,000 $385,000 $1,175 3.63%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $375,000 $375,000 $3,658 4.13%
Montrose, CO (FHA|USDA|VA) 1 $375,000 $375,000 $2,107 4.88%
KNOXVILLE, TN (FHA|USDA|VA) 1 $365,000 $365,000 $2,194 4.63%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1 $355,000 $355,000 $3,650 4.75%
AMARILLO, TX (FHA|USDA|VA) 1 $315,000 $315,000 $3,887 4.38%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $275,000 $275,000 $3,703 4.38%
HARRISONBURG, VA (FHA|USDA|VA) 1 $275,000 $275,000 $3,660 4.38%
Rolla, MO (FHA|USDA|VA) 1 $265,000 $265,000 $1,134 4.50%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 1 $255,000 $255,000 $5,476 4.38%
SAN ANGELO, TX (FHA|USDA|VA) 1 $255,000 $255,000 $2,904 4.25%
LUBBOCK, TX (FHA|USDA|VA) 1 $245,000 $245,000 $2,581 4.63%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $215,000 $215,000 $2,904 5.25%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $205,000 $205,000 $2,280 4.38%
JOPLIN, MO (FHA|USDA|VA) 1 $205,000 $205,000 $1,551 4.63%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $205,000 $205,000 $2,487 4.50%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $185,000 $185,000 $1,776 3.75%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $135,000 $135,000 $0 3.63%
U S Wide Financial's top markets include St. Louis, Seattle, Dallas, Denver, and Houston among others.

Their top states include:
  • Missouri (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
  • Colorado (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.

    UNITED
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 235 $75,855,000 $322,787 $3,002 4.29%
    VA 11 $4,055,000 $368,636 $8,739 3.82%
    HELOC 1 $95,000 $95,000 n/a 6.24%
    FHA 1 $165,000 $165,000 $4,415 4.63%

    For 2018, U S Wide Financial's most frequently originated type of loan was Conventional, with 235 originations. Their 2nd most popular type was VA, with 11 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 202 $65,460,000 $324,059 $3,396 4.32%
    Refi 28 $9,130,000 $326,071 $2,515 3.92%
    Cash Out Refi 18 $5,580,000 $310,000 $3,061 4.40%

    For 2018, U S Wide Financial's most frequently cited loan purpose was Home Purchase, with 202 originations. The 2nd most popular reason was Refi, with 28 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 201 $67,285,000 $334,751 $3,287 4.34%
    15 Year 37 $10,425,000 $281,757 $3,155 3.97%
    20 Year 9 $2,255,000 $250,556 $3,273 4.28%
    10 Year 1 $205,000 $205,000 $2,023 3.25%

    For 2018, U S Wide Financial's most frequently cited loan duration was 30 Year, with 201 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 178 $57,550,000 $323,315
    $1k-2k 47 $14,495,000 $308,404
    $2k-3k 10 $3,940,000 $394,000
    $5k+ 5 $1,885,000 $377,000
    $3k-4k 4 $1,070,000 $267,500
    $4k-5k 2 $770,000 $385,000

    U S Wide Financial's average total fees were $3,287, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 178 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 147 $46,325,000 $315,136
    3-4% 87 $31,795,000 $365,460
    5-6% 12 $1,880,000 $156,667
    6-7% 2 $170,000 $85,000

    During 2018, U S Wide Financial's average interest rate for loans was 4.34%, while their most frequently originated rate bucket for loans was 4-5%, with 147 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 151 $46,705,000 $309,305 $3,220 4.24%
    $400k-600k 45 $20,885,000 $464,111 $3,994 4.11%
    $100k-200k 35 $5,515,000 $157,571 $2,784 4.49%
    $600k-1MM 9 $6,355,000 $706,111 $3,207 4.06%
    $100,000 or less 8 $710,000 $88,750 $2,388 5.47%

    2018 saw U S Wide Financial place emphasis on $200k-400k loans with 151 originations, totaling $46,705,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 82 $26,740,000 $326,098 $3,106 4.33%
    $150k-250k 64 $22,220,000 $347,188 $3,264 4.24%
    $75k-100k 53 $15,565,000 $293,679 $3,280 4.28%
    $50k-75k 27 $6,305,000 $233,519 $3,952 4.35%
    $250k+ 19 $8,885,000 $467,632 $2,748 4.14%
    $50k or less 3 $455,000 $151,667 $3,767 4.33%

    U S Wide Financial lent most frequently to those with incomes in the $100k-150k range, with 82 originations. The second most popular income band? $150k-250k, with 64 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 52 $16,730,000 $321,731 $3,387 4.18%
    20-30% 47 $14,575,000 $310,106 $2,902 4.31%
    <20% 27 $8,545,000 $316,481 $2,446 4.14%
    39% 15 $5,355,000 $357,000 $3,745 4.34%
    37% 13 $4,215,000 $324,231 $2,790 4.38%
    42% 12 $4,600,000 $383,333 $4,472 4.33%
    36% 10 $2,530,000 $253,000 $2,524 4.38%
    40% 9 $2,365,000 $262,778 $3,253 4.49%
    49% 9 $3,025,000 $336,111 $4,303 4.07%
    44% 9 $3,215,000 $357,222 $2,178 4.28%
    41% 8 $2,650,000 $331,250 $2,768 4.83%
    46% 7 $2,215,000 $316,429 $3,007 4.23%
    38% 6 $2,060,000 $343,333 $3,344 4.19%
    45% 6 $1,510,000 $251,667 $4,056 4.58%
    43% 5 $2,055,000 $411,000 $4,888 4.30%
    50-60% 5 $1,665,000 $333,000 $5,219 4.05%
    48% 4 $1,610,000 $402,500 $3,414 4.47%
    47% 3 $1,055,000 $351,667 $4,263 4.13%
    >60% 1 $195,000 $195,000 $2,725 3.88%

    U S Wide Financial lent most frequently to those with DTI ratios of 30-36%, with 52 originations. The next most common DTI ratio? 20-30%, with 47 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 116 $37,000,000 $318,966 $3,218 4.25%
    Asian 95 $30,325,000 $319,211 $3,198 4.36%
    Not provided 29 $10,385,000 $358,103 $3,696 4.26%
    Asian Indian 6 $1,830,000 $305,000 $2,671 3.98%
    Black 2 $630,000 $315,000 $0 3.75%

    Approval Rates

    Total approvals of all applications
    100.00%

    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

    Points and Fees

    Points Originations Total Value Average Loan
    NA 248 $80,170,000 $323,266

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 248 $80,170,000 $323,266

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    40-60% 16 $5,320,000 $332,500 $2,621 3.88%
    60-80% 92 $28,890,000 $314,022 $3,075 4.37%
    80-100% 132 $43,820,000 $331,970 $3,194 4.26%
    Over 100% 5 $1,835,000 $367,000 $12,523 3.85%
    Under 20% 3 $305,000 $101,667 $400 5.37%