United Mortgage Rates, Fees & Info
Saint Joseph, MILEI: 549300PKEQ3Q9S0IXW76
Tax ID: 38-1393400
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Mortgage Data
Review & Overview
United is a smaller mortgage company specializing in Home Purchase and Home Improvement 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. 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: Niles, Asheville, Reno, Fayetteville, and South Bend among others. We have data for 123 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 an average 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 relatively high 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) | 7.05% | 12/16/24 |
| 30 Year Conventional Purchase | 6.84% | 12/16/24 |
| 30 Year Conventional Refi | 6.61% | 12/16/24 |
| 30 Year Cash-out Refi | 6.97% | 12/16/24 |
| 30 Year FHA Purchase | 7.63% | 12/16/24 |
| 30 Year FHA Refi | 7.41% | 12/16/24 |
| 30 Year VA Purchase | 6.44% | 12/16/24 |
| 30 Year USDA Purchase | 7.10% | 12/16/24 |
| 15 Year Conventional Purchase | 6.31% | 12/16/24 |
| 15 Year Conventional Refi | 6.34% | 12/16/24 |
| 15 Year Cash-out Refi | 6.34% | 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. | ||
United Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
2,820Origination Dollar Volume (All Markets)
$463,460,000Awards
UNITED - 2023
UNITED is a 2023 , due to their low .
For 2023, less than of lenders were eligible for this award.
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Relative Rate
United's average 30 year fixed mortgage rate was
6.83%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of 0.35%.
Relative Fees (Closing Costs)
United's average total fees/closing costs for a 30 year fixed rate
mortgage were $4,838.
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 $9,089.
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) | 631 | $78,875,000 | $125,000 | $2,854 | 7.87% |
| ASHEVILLE, NC (FHA|USDA|VA) | 290 | $70,010,000 | $241,414 | $4,584 | 7.88% |
| RENO, NV (FHA|USDA|VA) | 349 | $55,795,000 | $159,871 | $3,295 | 8.32% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 229 | $48,995,000 | $213,952 | $3,637 | 7.61% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 193 | $23,775,000 | $123,187 | $2,725 | 7.98% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 144 | $23,390,000 | $162,431 | $3,915 | 7.73% |
| Outside of Metro Areas | 110 | $17,630,000 | $160,273 | $4,101 | 7.83% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 167 | $15,855,000 | $94,940 | $2,635 | 8.22% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 85 | $12,075,000 | $142,059 | $2,869 | 8.46% |
| CARSON CITY, NV (FHA|USDA|VA) | 45 | $11,735,000 | $260,778 | $5,965 | 7.61% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 20 | $9,000,000 | $450,000 | $13,948 | 7.03% |
| Marion, OH (FHA|USDA|VA) | 96 | $7,470,000 | $77,813 | $2,031 | 8.24% |
| Holland, MI (FHA|USDA|VA) | 47 | $6,895,000 | $146,702 | $3,022 | 7.83% |
| Fernley, NV (FHA|USDA|VA) | 43 | $6,425,000 | $149,419 | $3,796 | 8.21% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 21 | $4,685,000 | $223,095 | $4,426 | 8.20% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 28 | $4,670,000 | $166,786 | $2,925 | 7.61% |
| Elko, NV (FHA|USDA|VA) | 17 | $4,035,000 | $237,353 | $7,233 | 6.91% |
| Brevard, NC (FHA|USDA|VA) | 16 | $3,230,000 | $201,875 | $4,521 | 7.92% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 5 | $3,135,000 | $627,000 | $7,320 | 7.44% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 12 | $2,790,000 | $232,500 | $3,165 | 7.52% |
| Fallon, NV (FHA|USDA|VA) | 13 | $2,605,000 | $200,385 | $8,253 | 7.64% |
| Forest City, NC (FHA|USDA|VA) | 11 | $2,345,000 | $213,182 | $4,744 | 7.53% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 16 | $2,270,000 | $141,875 | $2,515 | 7.39% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 15 | $2,215,000 | $147,667 | $2,958 | 8.80% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $1,780,000 | $890,000 | $6,556 | 7.06% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 13 | $1,745,000 | $134,231 | $3,165 | 8.23% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 4 | $1,730,000 | $432,500 | $7,380 | 7.97% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 8 | $1,490,000 | $186,250 | $4,087 | 7.82% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 5 | $1,455,000 | $291,000 | $2,750 | 8.69% |
| COLUMBUS, OH (FHA|USDA|VA) | 17 | $1,365,000 | $80,294 | $1,051 | 8.65% |
| SPARTANBURG, SC (FHA|USDA|VA) | 5 | $1,165,000 | $233,000 | $5,582 | 7.58% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 9 | $1,155,000 | $128,333 | $2,665 | 9.02% |
| Marion, NC (FHA|USDA|VA) | 4 | $1,130,000 | $282,500 | $6,470 | 7.34% |
| TULSA, OK (FHA|USDA|VA) | 4 | $1,130,000 | $282,500 | $6,510 | 7.59% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $1,100,000 | $550,000 | $8,663 | 6.13% |
| Winnemucca, NV (FHA|USDA|VA) | 4 | $1,060,000 | $265,000 | $6,561 | 7.84% |
| COLUMBIA, SC (FHA|USDA|VA) | 3 | $965,000 | $321,667 | $7,279 | 7.38% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $5,287 | 6.54% |
| Cullowhee, NC (FHA|USDA|VA) | 4 | $860,000 | $215,000 | $3,119 | 9.08% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $2,890 | 7.50% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $7,911 | 8.19% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $5,827 | 6.75% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $675,000 | $675,000 | $3,345 | 6.75% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 4 | $630,000 | $157,500 | $0 | 8.44% |
| MUSKEGON, MI (FHA|USDA|VA) | 6 | $600,000 | $100,000 | $2,221 | 7.80% |
| ANN ARBOR, MI (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $4,125 | 7.08% |
| THE VILLAGES, FL (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $2,655 | 6.88% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $6,637 | 7.75% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $0 | 8.38% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 4 | $520,000 | $130,000 | $3,063 | 7.25% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $2,997 | 6.75% |
| Sturgis, MI (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $4,162 | 6.67% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $7,095 | 7.69% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $4,507 | 6.38% |
| Tahlequah, OK (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $2,224 | 8.11% |
| CHICO, CA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $3,894 | 6.63% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $5,504 | 6.67% |
| MIDLAND, MI (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $3,803 | 8.25% |
| MUNCIE, IN (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $13,777 | 6.75% |
| JOPLIN, MO (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $3,317 | 7.71% |
| TOLEDO, OH (FHA|USDA|VA) | 4 | $420,000 | $105,000 | $2,536 | 6.69% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $2,569 | 7.36% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $4,490 | 7.04% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $6,517 | 6.63% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $12,552 | 6.75% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $4,128 | 7.38% |
| REDDING, CA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $3,070 | 6.38% |
| Pella, IA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $2,213 | 6.00% |
| Bucyrus-Galion, OH (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $3,385 | 6.88% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,560 | 6.88% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $5,905 | 7.13% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 8.25% |
| MADISON, WI (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,062 | 6.38% |
| Muskogee, OK (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $3,472 | 6.00% |
| Plymouth, IN (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $4,300 | 7.92% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,178 | 6.88% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $0 | 7.00% |
| SAVANNAH, GA (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $6,604 | 8.50% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,245 | 6.38% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,535 | 6.75% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,538 | 5.88% |
| Athens, TN (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,580 | 6.88% |
| DOTHAN, AL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,199 | 5.75% |
| Marshall, MO (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,856 | 6.25% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $9,196 | 7.75% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $0 | 8.25% |
| FARMINGTON, NM (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,550 | 7.38% |
| North Wilkesboro, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,035 | 6.75% |
| Adrian, MI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,917 | 6.88% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 8.45% |
| Seneca, SC (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $0 | 10.63% |
| Ludington, MI (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $0 | 7.13% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 6.25% |
| Warrensburg, MO (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,028 | 7.00% |
| FLINT, MI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,329 | 6.75% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,040 | 7.50% |
| SALEM, OR (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,845 | 7.50% |
| Cadillac, MI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,105 | 7.13% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 11.00% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $0 | 10.23% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 8.25% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,472 | 7.00% |
| MANSFIELD, OH (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $3,263 | 7.19% |
| JACKSON, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.25% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 9.35% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 5.88% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,141 | 7.38% |
| Coldwater, MI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 9.75% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,441 | 7.00% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 8.75% |
| Russellville, AR (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 9.70% |
| Iron Mountain, MI-WI (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $4,398 | 7.50% |
| New Castle, PA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $4,723 | 6.88% |
| Laurinburg, NC (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 6.95% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 7.40% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 7.75% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 8.00% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 9.05% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 8.90% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 9.25% |
| Urbana, OH (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 9.50% |
| Crossville, TN (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 9.75% |
| AKRON, OH (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 7.40% |
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 2023, United's most frequently originated type of loan was Conventional, with 1,705 originations. Their 2nd most popular type was HELOC, with 1,026 originations.
Loan Reason
For 2023, United's most frequently cited loan purpose was Home Purchase, with 1,005 originations. The 2nd most popular reason was Home Improvement, with 962 originations.
Loan Duration/Length
For 2023, United's most frequently cited loan duration was 10 Year, with 1,279 originations. The 2nd most popular length was 30 Year, with 999 originations.
Origination Fees/Closing Costs
United's average total fees were $4,838, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,022 originations.
Interest Rates
During 2023, United's average interest rate for loans was 6.83%, while their most frequently originated rate bucket for loans was Over 8%, with 1,210 originations.
Loan Sizing
2023 saw United place emphasis on $100,000 or less loans with 1,414 originations, totaling $68,340,000 in origination value.
Applicant Income
United lent most frequently to those with incomes in the $100k-150k range, with 640 originations. The second most popular income band? $50k-75k, with 613 originations.
Applicant Debt to Income Ratio
United lent most frequently to those with DTI ratios of 20-30%, with 487 originations. The next most common DTI ratio? 30-36%, with 486 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications74.12%
United has a below average approval rate.
Pick Rate
Approvals leading to origination72.06%
United has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 2,820 | $463,460,000 | $164,348 |