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 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 Washington among others. We have data for 76 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.
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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
1,610Origination Dollar Volume (All Markets)
$510,680,000Awards
U S WIDE FINANCIAL - 2020
U S WIDE FINANCIAL is a 2020 , due to their low .
For 2020, 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) | 422 | $127,430,000 | $301,967 | $1,358 | 2.86% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 389 | $112,415,000 | $288,985 | $1,845 | 2.71% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 208 | $66,960,000 | $321,923 | $1,908 | 2.80% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 95 | $28,435,000 | $299,316 | $1,994 | 2.75% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 56 | $24,230,000 | $432,679 | $1,431 | 2.86% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 58 | $24,140,000 | $416,207 | $2,228 | 2.85% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 44 | $15,400,000 | $350,000 | $2,132 | 2.83% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 33 | $11,835,000 | $358,636 | $1,523 | 3.03% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 25 | $8,915,000 | $356,600 | $2,247 | 2.82% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 21 | $7,995,000 | $380,714 | $1,935 | 2.70% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 19 | $6,565,000 | $345,526 | $1,611 | 2.63% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 19 | $6,255,000 | $329,211 | $2,710 | 2.93% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 18 | $6,120,000 | $340,000 | $3,319 | 3.06% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 14 | $5,920,000 | $422,857 | $1,386 | 2.90% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 15 | $5,775,000 | $385,000 | $1,291 | 2.74% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 18 | $4,860,000 | $270,000 | $1,801 | 2.81% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 18 | $4,000,000 | $222,222 | $1,845 | 3.02% |
| RICHMOND, VA (FHA|USDA|VA) | 12 | $3,520,000 | $293,333 | $1,384 | 3.08% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 9 | $3,295,000 | $366,111 | $1,603 | 2.74% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 7 | $2,965,000 | $423,571 | $3,091 | 3.18% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 6 | $2,910,000 | $485,000 | $2,400 | 2.73% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 8 | $1,970,000 | $246,250 | $1,588 | 2.64% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 7 | $1,825,000 | $260,714 | $1,795 | 2.88% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 5 | $1,515,000 | $303,000 | $1,457 | 2.85% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 3 | $1,515,000 | $505,000 | $1,832 | 3.17% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 4 | $1,400,000 | $350,000 | $1,439 | 2.69% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 3 | $1,185,000 | $395,000 | $1,495 | 2.71% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 3 | $1,175,000 | $391,667 | $1,703 | 2.63% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 4 | $1,170,000 | $292,500 | $2,567 | 2.72% |
| LYNCHBURG, VA (FHA|USDA|VA) | 5 | $1,165,000 | $233,000 | $1,221 | 3.05% |
| JOPLIN, MO (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $1,562 | 3.38% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $3,809 | 3.06% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $1,481 | 2.63% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $1,734 | 2.69% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $1,518 | 3.25% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $1,857 | 2.83% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $1,256 | 3.17% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $1,420 | 2.69% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $3,436 | 2.94% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $1,560 | 2.63% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $1,170 | 3.25% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $4,388 | 2.50% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $4,196 | 3.13% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $1,145 | 3.00% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $1,523 | 2.69% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $1,165 | 2.56% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $960 | 3.50% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $2,836 | 2.75% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $1,965 | 2.25% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,374 | 2.88% |
| ALTOONA, PA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,096 | 2.63% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $2,748 | 3.50% |
| AMARILLO, TX (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $1,333 | 2.69% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $1,585 | 3.63% |
| KOKOMO, IN (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $1,800 | 3.50% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $1,550 | 2.50% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $2,270 | 3.00% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $1,190 | 3.13% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,571 | 2.75% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $5,919 | 2.75% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $1,749 | 2.50% |
| COLUMBIA, MO (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $1,378 | 2.75% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $1,126 | 2.38% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $1,575 | 2.63% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,134 | 2.88% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $1,182 | 3.25% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $1,689 | 2.50% |
| Outside of Metro Areas | 2 | $230,000 | $115,000 | $2,200 | 3.44% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $823 | 3.25% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $1,170 | 2.75% |
| Ellensburg, WA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $969 | 3.13% |
| AKRON, OH (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,315 | 2.50% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,940 | 3.25% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,330 | 2.63% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,065 | 3.25% |
| PITTSFIELD, MA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,227 | 4.25% |
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
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 1,592 | $504,830,000 | $317,104 | $1,738 | 2.82% |
| VA | 18 | $5,850,000 | $325,000 | $3,673 | 2.80% |
For 2020, U S Wide Financial's most frequently originated type of loan was Conventional, with 1,592 originations. Their 2nd most popular type was VA, with 18 originations.
Loan Reason
For 2020, U S Wide Financial's most frequently cited loan purpose was Refi, with 1,308 originations. The 2nd most popular reason was Home Purchase, with 229 originations.
Loan Duration/Length
For 2020, U S Wide Financial's most frequently cited loan duration was 30 Year, with 929 originations. The 2nd most popular length was 15 Year, with 505 originations.
Origination Fees/Closing Costs
U S Wide Financial's average total fees were $1,905, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,527 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 826 | $263,580,000 | $319,104 |
| <2.5% | 409 | $131,245,000 | $320,892 |
| 3-4% | 362 | $112,300,000 | $310,221 |
| 4-5% | 13 | $3,555,000 | $273,462 |
During 2020, U S Wide Financial's average interest rate for loans was 2.93%, while their most frequently originated rate bucket for loans was 2.5-3%, with 826 originations.
Loan Sizing
2020 saw U S Wide Financial place emphasis on $200k-400k loans with 1,091 originations, totaling $324,815,000 in origination value.
Applicant Income
U S Wide Financial lent most frequently to those with incomes in the $100k-150k range, with 762 originations. The second most popular income band? $150k-250k, with 403 originations.
Applicant Debt to Income Ratio
U S Wide Financial lent most frequently to those with DTI ratios of 20-30%, with 610 originations. The next most common DTI ratio? 30-36%, with 317 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 | 1,610 | $510,680,000 | $317,193 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 1,610 | $510,680,000 | $317,193 |