United Mortgage Rates, Fees & Info

Saint Joseph, MI

LEI: 549300PKEQ3Q9S0IXW76

Tax ID: 38-1393400

5 stars - Updated: 3/27/24 - out of 5 stars, based on 53 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data |

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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.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 7.05% 3/27/24
30 Year Conventional Purchase 6.84% 3/27/24
30 Year Conventional Refi 6.61% 3/27/24
30 Year Cash-out Refi 6.97% 3/27/24
30 Year FHA Purchase 7.63% 3/27/24
30 Year FHA Refi 7.41% 3/27/24
30 Year VA Purchase 6.44% 3/27/24
30 Year USDA Purchase 7.10% 3/27/24
15 Year Conventional Purchase 6.31% 3/27/24
15 Year Conventional Refi 6.34% 3/27/24
15 Year Cash-out Refi 6.34% 3/27/24
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






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

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

2,820

Origination Dollar Volume (All Markets)

$463,460,000

Awards

UNITED 30 Year Conventional Loans bronze UNITED 30 Year Conventional Loans silver UNITED 30 Year Conventional Loans gold UNITED 30 Year Conventional Loans gold
Show all (4) awards

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 $4,750.

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%
United's top markets include Niles, Asheville, Reno, Fayetteville, and South Bend among others.

Their top states include:
  • Michigan (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Nevada (FHA|USDA|VA)
  • Arkansas (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)
  • 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.

    First Savings Bank of Hegewisch
    Similarity Rank: 46
    SYNERGY HOME MORTGAGE, LLC
    Similarity Rank: 92
    First State Bank of Middlebury
    Similarity Rank: 99
    Adventure Credit Union
    Similarity Rank: 130
    United Bank of Michigan
    Similarity Rank: 154
    ONE NEVADA CREDIT UNION
    Similarity Rank: 182
    Macatawa Bank
    Similarity Rank: 210
    United Bank
    Similarity Rank: 230
    MICHIGAN SCHOOLS AND GOVERNMENT
    Similarity Rank: 253
    First Security Bank
    Similarity Rank: 255

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,705 $358,845,000 $210,466 $3,288 7.37%
    HELOC 1,026 $83,610,000 $81,491 n/a 8.96%
    FHA 70 $17,240,000 $246,286 $9,228 6.80%
    VA 9 $2,405,000 $267,222 $5,937 6.96%
    USDA 9 $1,305,000 $145,000 $4,810 6.94%
    FHA 1 $55,000 $55,000 $0 9.00%

    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

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,005 $264,675,000 $263,358 $4,852 6.90%
    Home Improvement 962 $103,310,000 $107,391 $2,241 8.56%
    Other 519 $35,515,000 $68,430 $352 8.79%
    Refi 192 $21,800,000 $113,542 $2,186 8.34%
    Cash Out Refi 142 $38,160,000 $268,732 $5,635 7.28%

    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

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    10 Year 1,279 $94,845,000 $74,156 $20 8.84%
    30 Year 999 $266,185,000 $266,451 $4,838 6.83%
    15 Year 360 $31,030,000 $86,194 $617 8.27%
    30+ year 107 $61,285,000 $572,757 $10,575 6.71%
    20 Year 34 $4,780,000 $140,588 $3,850 6.85%
    5 Year 27 $1,225,000 $45,370 $0 7.69%
    Other 14 $4,110,000 $293,571 $4,975 7.61%

    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

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,022 $155,010,000 $151,673
    $1k-2k 306 $60,950,000 $199,183
    $2k-3k 199 $71,555,000 $359,573
    $5k+ 104 $46,760,000 $449,615
    $4k-5k 51 $18,455,000 $361,863
    $3k-4k 50 $16,820,000 $336,400

    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

    Loan Rate Originations Total Value Average Loan
    Over 8% 1,210 $95,630,000 $79,033
    7-8% 718 $131,060,000 $182,535
    6-7% 708 $176,530,000 $249,336
    5-6% 171 $56,475,000 $330,263
    4-5% 13 $3,765,000 $289,615

    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

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,414 $68,340,000 $48,331 $641 8.61%
    $100k-200k 598 $86,230,000 $144,197 $3,296 7.65%
    $200k-400k 581 $161,605,000 $278,150 $5,330 7.04%
    $400k-600k 134 $64,150,000 $478,731 $7,006 6.81%
    $600k-1MM 66 $49,790,000 $754,394 $8,235 6.58%
    $1MM+ 27 $33,345,000 $1,235,000 $16,438 6.66%

    2023 saw United place emphasis on $100,000 or less loans with 1,414 originations, totaling $68,340,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 640 $100,190,000 $156,547 $3,040 8.11%
    $50k-75k 613 $69,425,000 $113,254 $3,175 7.86%
    $75k-100k 542 $71,370,000 $131,679 $3,613 8.03%
    $150k-250k 442 $103,320,000 $233,756 $4,033 7.84%
    $50k or less 382 $26,740,000 $70,000 $2,372 8.00%
    $250k+ 188 $88,480,000 $470,638 $7,709 7.43%

    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

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 487 $71,795,000 $147,423 $3,110 7.74%
    30-36% 486 $73,570,000 $151,379 $3,035 7.82%
    <20% 212 $24,320,000 $114,717 $2,843 7.83%
    44% 152 $32,320,000 $212,632 $4,886 7.92%
    50-60% 127 $16,345,000 $128,701 $4,538 8.75%
    41% 123 $22,975,000 $186,789 $3,696 8.00%
    49% 116 $21,180,000 $182,586 $4,434 7.96%
    43% 111 $19,425,000 $175,000 $3,418 8.10%
    42% 110 $20,410,000 $185,545 $3,601 8.11%
    40% 106 $19,000,000 $179,245 $3,866 7.87%
    39% 103 $23,665,000 $229,757 $4,113 7.78%
    38% 100 $18,390,000 $183,900 $3,799 7.78%
    36% 100 $15,850,000 $158,500 $3,298 7.90%
    48% 96 $20,300,000 $211,458 $3,848 7.62%
    45% 90 $15,810,000 $175,667 $4,232 8.05%
    37% 88 $15,180,000 $172,500 $3,409 8.00%
    47% 86 $14,710,000 $171,047 $4,214 8.12%
    46% 84 $13,630,000 $162,262 $3,510 8.15%
    >60% 42 $4,130,000 $98,333 $0 9.05%

    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

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,197 $374,895,000 $170,640 $3,677 7.83%
    Not provided 447 $54,805,000 $122,606 $2,523 8.49%
    Asian 77 $17,085,000 $221,883 $3,878 7.74%
    Black 69 $10,315,000 $149,493 $3,504 7.74%
    American Indian 27 $5,845,000 $216,481 $4,489 7.79%
    Not applicable 1 $455,000 $455,000 $0 8.25%
    Native Hawaiian or Islander 2 $60,000 $30,000 $0 9.63%

    Approval Rates

    Total approvals of all applications
    74.12%

    United has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    72.06%

    United has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,820 $463,460,000 $164,348

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,820 $463,460,000 $164,348

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 522 $59,140,000 $113,295 $1,454 8.55%
    40-60% 221 $46,885,000 $212,149 $4,609 7.35%
    60-80% 351 $106,975,000 $304,772 $5,757 6.94%
    80-100% 674 $199,800,000 $296,439 $5,271 6.86%
    Under 20% 1,052 $50,660,000 $48,156 $80 8.77%