United Mortgage Rates, Fees & Info
Saint Joseph, MILEI: 549300PKEQ3Q9S0IXW76
Tax ID: 38-1393400
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
United is a smaller mortgage company specializing in Home Purchase loans. United 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.) They have a low ratio of USDA loans. Their top markets by origination volume include: Niles, Asheville, Reno, Grand Rapids, and South Bend among others. We have data for 134 markets. (Some data included below & more in-depth data is available with an active subscription.)United has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. United 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 |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.72% | 4/5/25 |
| 30 Year Conventional Purchase | 6.89% | 4/5/25 |
| 30 Year Conventional Refi | 6.24% | 4/5/25 |
| 30 Year Cash-out Refi | 6.82% | 4/5/25 |
| 30 Year FHA Purchase | 7.24% | 4/5/25 |
| 30 Year FHA Refi | 6.72% | 4/5/25 |
| 30 Year VA Purchase | 6.72% | 4/5/25 |
| 30 Year USDA Purchase | 7.02% | 4/5/25 |
| 15 Year Conventional Purchase | 6.47% | 4/5/25 |
| 15 Year Conventional Refi | 8.21% | 4/5/25 |
| 15 Year Cash-out Refi | 8.21% | 4/5/25 |
| 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. | ||
United Mortgage Calculator
Your Estimates
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This is not an official calculator from United. 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
2,888Origination Dollar Volume (All Markets)
$504,120,000Awards
UNITED - 2024
UNITED is a 2024 , due to their low .
For 2024, less than of lenders were eligible for this award.
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Relative Rate
United's average 30 year fixed mortgage rate was
6.65%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 0.1%.
Relative Fees (Closing Costs)
United's average total fees/closing costs for a 30 year fixed rate
mortgage were $4,920.
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 $8,356.
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 |
|---|---|---|---|---|---|
| NILES, MI (FHA|USDA|VA) | 662 | $90,830,000 | $137,205 | $3,348 | 7.88% |
| ASHEVILLE, NC (FHA|USDA|VA) | 295 | $80,905,000 | $274,254 | $4,885 | 7.91% |
| RENO, NV (FHA|USDA|VA) | 386 | $76,570,000 | $198,368 | $4,437 | 8.23% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 135 | $32,075,000 | $237,593 | $3,979 | 7.52% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 200 | $31,260,000 | $156,300 | $3,235 | 7.96% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 153 | $26,435,000 | $172,778 | $3,257 | 8.12% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 214 | $18,630,000 | $87,056 | $2,323 | 8.47% |
| Outside of Metro Areas | 120 | $18,560,000 | $154,667 | $3,653 | 7.81% |
| Holland, MI (FHA|USDA|VA) | 58 | $10,500,000 | $181,034 | $3,464 | 7.95% |
| Marion, OH (FHA|USDA|VA) | 110 | $9,280,000 | $84,364 | $2,587 | 8.30% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 82 | $8,850,000 | $107,927 | $1,668 | 8.71% |
| Fernley, NV (FHA|USDA|VA) | 46 | $8,660,000 | $188,261 | $6,382 | 7.77% |
| CARSON CITY, NV (FHA|USDA|VA) | 41 | $6,555,000 | $159,878 | $5,111 | 8.26% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 27 | $6,405,000 | $237,222 | $3,941 | 8.22% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 26 | $5,940,000 | $228,462 | $5,185 | 7.65% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 24 | $3,780,000 | $157,500 | $3,380 | 8.22% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 27 | $3,385,000 | $125,370 | $3,128 | 7.95% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 10 | $2,790,000 | $279,000 | $5,584 | 7.35% |
| Forest City, NC (FHA|USDA|VA) | 9 | $2,785,000 | $309,444 | $5,284 | 7.55% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 7 | $2,725,000 | $389,286 | $4,613 | 6.92% |
| Brevard, NC (FHA|USDA|VA) | 8 | $2,720,000 | $340,000 | $5,448 | 6.78% |
| Marion, NC (FHA|USDA|VA) | 3 | $2,665,000 | $888,333 | $7,930 | 6.83% |
| Elko, NV (FHA|USDA|VA) | 7 | $1,905,000 | $272,143 | $7,396 | 7.24% |
| COLUMBIA, SC (FHA|USDA|VA) | 4 | $1,710,000 | $427,500 | $4,596 | 7.69% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 9 | $1,625,000 | $180,556 | $4,834 | 7.11% |
| Bucyrus-Galion, OH (FHA|USDA|VA) | 12 | $1,580,000 | $131,667 | $2,229 | 8.08% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $1,525,000 | $1,525,000 | $9,951 | 6.00% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 6 | $1,520,000 | $253,333 | $2,949 | 7.29% |
| COLUMBUS, OH (FHA|USDA|VA) | 12 | $1,460,000 | $121,667 | $3,595 | 7.65% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 7 | $1,295,000 | $185,000 | $3,656 | 7.60% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 2 | $1,270,000 | $635,000 | $8,255 | 6.62% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 14 | $1,250,000 | $89,286 | $2,573 | 8.74% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 3 | $1,195,000 | $398,333 | $13,849 | 6.99% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $1,125,000 | $1,125,000 | $19,129 | 7.50% |
| Manitowoc, WI (FHA|USDA|VA) | 1 | $1,095,000 | $1,095,000 | $3,098 | 7.63% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 5 | $975,000 | $195,000 | $2,085 | 8.01% |
| Fallon, NV (FHA|USDA|VA) | 6 | $970,000 | $161,667 | $6,235 | 8.35% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 2 | $940,000 | $470,000 | $4,092 | 5.62% |
| Cullowhee, NC (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $4,293 | 7.66% |
| MUSKEGON, MI (FHA|USDA|VA) | 6 | $880,000 | $146,667 | $3,068 | 7.53% |
| SPARTANBURG, SC (FHA|USDA|VA) | 4 | $860,000 | $215,000 | $3,898 | 7.38% |
| Findlay, OH (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $8,018 | 6.19% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 5 | $785,000 | $157,000 | $3,727 | 7.61% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $785,000 | $785,000 | $7,771 | 7.25% |
| Seneca, SC (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $3,986 | 7.06% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $5,196 | 6.12% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $7,065 | 6.50% |
| TULSA, OK (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $5,992 | 6.67% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 4 | $680,000 | $170,000 | $5,493 | 7.11% |
| LANCASTER, PA (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $12,524 | 6.76% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $5,436 | 6.38% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $2,204 | 7.36% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $3,923 | 6.50% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $3,557 | 6.83% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $4,501 | 5.87% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 6 | $560,000 | $93,333 | $3,314 | 7.58% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $6,719 | 7.63% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $4,436 | 6.31% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $4,848 | 7.38% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $3,713 | 7.00% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 4 | $460,000 | $115,000 | $4,987 | 7.53% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $11,055 | 6.38% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $4,423 | 6.38% |
| Sturgis, MI (FHA|USDA|VA) | 4 | $420,000 | $105,000 | $2,178 | 7.76% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $5,743 | 6.38% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $15,097 | 6.25% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $0 | 9.40% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $5,374 | 6.75% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $3,982 | 6.88% |
| READING, PA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $4,985 | 7.00% |
| ST. CLOUD, MN (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,782 | 5.99% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,323 | 7.88% |
| Pottsville, PA (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $5,412 | 9.19% |
| Helena, MT (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $7,006 | 6.25% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,981 | 6.88% |
| Plymouth, IN (FHA|USDA|VA) | 5 | $325,000 | $65,000 | $2,498 | 8.88% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 3 | $325,000 | $108,333 | $1,757 | 7.43% |
| Shelby, NC (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $3,227 | 8.31% |
| Mount Vernon, OH (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $5,137 | 8.31% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,890 | 6.63% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 7.63% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,987 | 6.25% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $2,082 | 8.75% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 6.88% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 7.88% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,731 | 6.63% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,396 | 5.87% |
| MANSFIELD, OH (FHA|USDA|VA) | 3 | $245,000 | $81,667 | $4,014 | 7.75% |
| Russellville, AR (FHA|USDA|VA) | 3 | $245,000 | $81,667 | $5,235 | 8.08% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,092 | 7.13% |
| Ludington, MI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,973 | 7.38% |
| Mount Airy, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,695 | 6.88% |
| Celina, OH (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,579 | 6.38% |
| Coldwater, MI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,097 | 6.75% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,597 | 6.50% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,874 | 6.63% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,062 | 5.88% |
| Winnemucca, NV (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 9.25% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,582 | 5.88% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $0 | 8.23% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,478 | 7.38% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $0 | 8.15% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,190 | 5.63% |
| Greeneville, TN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,707 | 7.13% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 8.75% |
| Oskaloosa, IA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 7.75% |
| FLINT, MI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,295 | 6.88% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 8.30% |
| Huntington, IN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,403 | 7.00% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,373 | 7.50% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 8.35% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,645 | 6.88% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,579 | 5.87% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 8.60% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.75% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.35% |
| Galesburg, IL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,299 | 6.88% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 8.00% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 7.80% |
| Warsaw, IN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 11.30% |
| PEORIA, IL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 9.35% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 9.75% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 8.35% |
| Ashtabula, OH (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 9.25% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 7.75% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 9.45% |
| Albertville, AL (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 8.30% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 8.20% |
| Miami, OK (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 9.00% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 9.75% |
| MADISON, WI (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 9.25% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 8.60% |
| Searcy, AR (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 10.50% |
| Big Rapids, MI (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 8.55% |
Similar Lenders
We use machine learning to identify the top lenders compared against UNITED 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 2024, United's most frequently originated type of loan was Conventional, with 1,515 originations. Their 2nd most popular type was HELOC, with 1,288 originations.
Loan Reason
For 2024, United's most frequently cited loan purpose was Home Purchase, with 1,029 originations. The 2nd most popular reason was Home Improvement, with 861 originations.
Loan Duration/Length
For 2024, United's most frequently cited loan duration was 10 Year, with 1,423 originations. The 2nd most popular length was 30 Year, with 969 originations.
Origination Fees/Closing Costs
United's average total fees were $4,920, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 913 originations.
Interest Rates
During 2024, United's average interest rate for loans was 6.65%, while their most frequently originated rate bucket for loans was Over 8%, with 1,501 originations.
Loan Sizing
2024 saw United place emphasis on $100,000 or less loans with 1,344 originations, totaling $64,830,000 in origination value.
Applicant Income
United lent most frequently to those with incomes in the $100k-150k range, with 682 originations. The second most popular income band? $50k-75k, with 591 originations.
Applicant Debt to Income Ratio
United lent most frequently to those with DTI ratios of 20-30%, with 536 originations. The next most common DTI ratio? 30-36%, with 480 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications73.77%
United has a below average approval rate.
Pick Rate
Approvals leading to origination77.46%
United has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 2,888 | $504,120,000 | $174,557 |