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 Refi and 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, Seattle, Washington, and Denver among others. We have data for 49 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.22% | 4/21/24 |
| 30 Year Conventional Refi | 6.17% | 4/21/24 |
| 30 Year Cash-out Refi | 6.42% | 4/21/24 |
| 30 Year FHA Purchase | 6.27% | 4/21/24 |
| 30 Year VA Purchase | 6.24% | 4/21/24 |
| 30 Year USDA Purchase | 6.14% | 4/21/24 |
| 15 Year Conventional Purchase | 5.56% | 4/21/24 |
| 15 Year Conventional Refi | 5.72% | 4/21/24 |
| 15 Year Cash-out Refi | 5.72% | 4/21/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
617Origination Dollar Volume (All Markets)
$200,275,000Awards
U S WIDE FINANCIAL - 2019
U S WIDE FINANCIAL is a 2019 , due to their low .
For 2019, 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) | 277 | $87,325,000 | $315,253 | $2,042 | 3.63% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 51 | $16,525,000 | $324,020 | $2,692 | 3.54% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 32 | $14,090,000 | $440,313 | $3,167 | 3.77% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 22 | $9,300,000 | $422,727 | $2,381 | 3.47% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 21 | $7,835,000 | $373,095 | $3,597 | 3.82% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 29 | $7,765,000 | $267,759 | $2,234 | 3.84% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 25 | $7,155,000 | $286,200 | $2,723 | 3.79% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 18 | $6,190,000 | $343,889 | $2,102 | 3.35% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 19 | $5,465,000 | $287,632 | $3,010 | 3.66% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 11 | $3,595,000 | $326,818 | $3,325 | 3.60% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 10 | $2,940,000 | $294,000 | $2,117 | 3.31% |
| RICHMOND, VA (FHA|USDA|VA) | 9 | $2,905,000 | $322,778 | $2,614 | 3.69% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 8 | $2,750,000 | $343,750 | $3,541 | 3.73% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 6 | $2,650,000 | $441,667 | $2,623 | 3.77% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 5 | $2,105,000 | $421,000 | $1,999 | 3.50% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 6 | $1,790,000 | $298,333 | $4,167 | 3.73% |
| Outside of Metro Areas | 8 | $1,770,000 | $221,250 | $2,589 | 3.78% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 4 | $1,650,000 | $412,500 | $4,381 | 3.72% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 4 | $1,600,000 | $400,000 | $2,827 | 3.75% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 5 | $1,485,000 | $297,000 | $3,349 | 3.88% |
| GREELEY, CO (FHA|USDA|VA) | 4 | $1,460,000 | $365,000 | $1,400 | 3.56% |
| JOPLIN, MO (FHA|USDA|VA) | 4 | $980,000 | $245,000 | $1,813 | 3.63% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 4 | $960,000 | $240,000 | $1,345 | 3.59% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 3 | $905,000 | $301,667 | $1,953 | 3.88% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $1,188 | 3.88% |
| COLUMBIA, MO (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $1,757 | 3.56% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $4,048 | 3.00% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $1,657 | 3.19% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $1,964 | 4.00% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $2,588 | 3.06% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $2,763 | 3.50% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $2,481 | 4.38% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,210 | 3.63% |
| Kirksville, MO (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,351 | 3.50% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,861 | 4.13% |
| AKRON, OH (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,555 | 3.75% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $1,954 | 3.63% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,419 | 4.13% |
| Moses Lake, WA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,573 | 2.88% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $5,502 | 3.88% |
| Warrensburg, MO (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $1,670 | 4.00% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $1,826 | 3.88% |
| Centralia, WA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,473 | 4.25% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $1,545 | 3.75% |
| Farmington, MO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,549 | 3.63% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,110 | 3.13% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,701 | 3.00% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,664 | 4.00% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,518 | 4.00% |
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 2019, U S Wide Financial's most frequently originated type of loan was Conventional, with 586 originations. Their 2nd most popular type was VA, with 29 originations.
Loan Reason
For 2019, U S Wide Financial's most frequently cited loan purpose was Refi, with 301 originations. The 2nd most popular reason was Home Purchase, with 292 originations.
Loan Duration/Length
For 2019, U S Wide Financial's most frequently cited loan duration was 30 Year, with 451 originations. The 2nd most popular length was 15 Year, with 130 originations.
Origination Fees/Closing Costs
U S Wide Financial's average total fees were $2,599, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 521 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 485 | $161,925,000 | $333,866 |
| 4-5% | 84 | $23,670,000 | $281,786 |
| 2.5-3% | 44 | $14,010,000 | $318,409 |
| 5-6% | 4 | $670,000 | $167,500 |
During 2019, U S Wide Financial's average interest rate for loans was 3.78%, while their most frequently originated rate bucket for loans was 3-4%, with 485 originations.
Loan Sizing
2019 saw U S Wide Financial place emphasis on $200k-400k loans with 394 originations, totaling $119,710,000 in origination value.
Applicant Income
U S Wide Financial lent most frequently to those with incomes in the $100k-150k range, with 285 originations. The second most popular income band? $150k-250k, with 131 originations.
Applicant Debt to Income Ratio
U S Wide Financial lent most frequently to those with DTI ratios of 20-30%, with 201 originations. The next most common DTI ratio? 30-36%, with 112 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications99.55%
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 origination92.87%
U S Wide Financial has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 617 | $200,275,000 | $324,595 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 617 | $200,275,000 | $324,595 |