U S Wide Financial Mortgage Rates, Fees & Info
WENTZVILLE, MOLEI: 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.22% | 12/16/24 |
| 30 Year Conventional Refi | 6.17% | 12/16/24 |
| 30 Year Cash-out Refi | 6.42% | 12/16/24 |
| 30 Year FHA Purchase | 6.27% | 12/16/24 |
| 30 Year VA Purchase | 6.24% | 12/16/24 |
| 30 Year USDA Purchase | 6.14% | 12/16/24 |
| 15 Year Conventional Purchase | 5.56% | 12/16/24 |
| 15 Year Conventional Refi | 5.72% | 12/16/24 |
| 15 Year Cash-out Refi | 5.72% | 12/16/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
248Origination Dollar Volume (All Markets)
$80,170,000Awards
U S WIDE FINANCIAL - 2018
U S WIDE FINANCIAL is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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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% |
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.
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Product Mix
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
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
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
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
2018 saw U S Wide Financial place emphasis on $200k-400k loans with 151 originations, totaling $46,705,000 in origination value.
Applicant Income
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
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
Approval Rates
Total approvals of all applications100.00%
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 originationPoints 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 |