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 Refi 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: Reno, Niles, Asheville, Fort Smith, and South Bend among others. We have data for 133 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.
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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
3,959Origination Dollar Volume (All Markets)
$547,625,000Awards
UNITED - 2019
UNITED 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 |
|---|---|---|---|---|---|
| RENO, NV (FHA|USDA|VA) | 743 | $137,015,000 | $184,408 | $3,109 | 4.99% |
| NILES, MI (FHA|USDA|VA) | 873 | $99,475,000 | $113,946 | $2,714 | 4.74% |
| ASHEVILLE, NC (FHA|USDA|VA) | 342 | $67,240,000 | $196,608 | $3,818 | 4.81% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 330 | $32,860,000 | $99,576 | $2,601 | 4.92% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 286 | $32,550,000 | $113,811 | $2,630 | 4.72% |
| Outside of Metro Areas | 176 | $20,030,000 | $113,807 | $3,495 | 5.09% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 160 | $17,620,000 | $110,125 | $2,218 | 4.77% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 117 | $17,375,000 | $148,504 | $3,008 | 4.48% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 42 | $10,970,000 | $261,190 | $4,560 | 5.18% |
| CARSON CITY, NV (FHA|USDA|VA) | 68 | $10,960,000 | $161,176 | $3,474 | 5.25% |
| Fernley, NV (FHA|USDA|VA) | 65 | $8,815,000 | $135,615 | $2,951 | 4.99% |
| Holland, MI (FHA|USDA|VA) | 75 | $8,505,000 | $113,400 | $2,639 | 4.45% |
| Marion, OH (FHA|USDA|VA) | 137 | $7,975,000 | $58,212 | $2,250 | 4.79% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 80 | $7,510,000 | $93,875 | $2,410 | 5.00% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 88 | $7,170,000 | $81,477 | $2,281 | 4.57% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 49 | $6,995,000 | $142,755 | $2,648 | 5.10% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 3 | $5,105,000 | $1,701,667 | $13,609 | 3.88% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 9 | $4,135,000 | $459,444 | $4,735 | 4.75% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 3 | $2,205,000 | $735,000 | $4,477 | 3.96% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 9 | $2,025,000 | $225,000 | $4,043 | 4.54% |
| IOWA CITY, IA (FHA|USDA|VA) | 9 | $1,965,000 | $218,333 | $4,163 | 4.39% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 19 | $1,775,000 | $93,421 | $2,526 | 4.99% |
| COLUMBUS, OH (FHA|USDA|VA) | 22 | $1,450,000 | $65,909 | $1,875 | 5.43% |
| Fallon, NV (FHA|USDA|VA) | 9 | $1,415,000 | $157,222 | $3,822 | 4.58% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 13 | $1,345,000 | $103,462 | $1,878 | 5.32% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $1,295,000 | $1,295,000 | $3,793 | 4.63% |
| Brevard, NC (FHA|USDA|VA) | 5 | $1,175,000 | $235,000 | $5,528 | 4.80% |
| Forest City, NC (FHA|USDA|VA) | 4 | $1,120,000 | $280,000 | $4,581 | 4.50% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 7 | $1,115,000 | $159,286 | $2,603 | 5.94% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 10 | $1,080,000 | $108,000 | $2,379 | 5.06% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 5 | $945,000 | $189,000 | $2,318 | 4.69% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $2,864 | 4.88% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 6 | $750,000 | $125,000 | $2,468 | 4.23% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 4 | $740,000 | $185,000 | $3,427 | 4.59% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $3,546 | 3.81% |
| TULSA, OK (FHA|USDA|VA) | 5 | $695,000 | $139,000 | $4,314 | 5.35% |
| Jefferson, GA (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $4,310 | 3.43% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 4 | $640,000 | $160,000 | $2,414 | 4.53% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 4 | $610,000 | $152,500 | $4,537 | 5.34% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $11,251 | 4.88% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $8,016 | 3.75% |
| Warsaw, IN (FHA|USDA|VA) | 6 | $570,000 | $95,000 | $2,580 | 3.64% |
| Marion, NC (FHA|USDA|VA) | 5 | $565,000 | $113,000 | $2,441 | 5.34% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $2,013 | 4.94% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $5,292 | 3.88% |
| PANAMA CITY, FL (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $4,079 | 4.54% |
| Sturgis, MI (FHA|USDA|VA) | 4 | $500,000 | $125,000 | $3,710 | 4.53% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $2,258 | 3.46% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $2,145 | 4.38% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $2,678 | 4.69% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $4,713 | 5.50% |
| Traverse City, MI (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $2,284 | 4.21% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $3,133 | 3.18% |
| Coldwater, MI (FHA|USDA|VA) | 4 | $420,000 | $105,000 | $2,537 | 5.59% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,752 | 4.50% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,581 | 4.38% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $2,586 | 5.13% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $2,605 | 4.31% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $7,469 | 3.88% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,888 | 4.38% |
| MUSKEGON, MI (FHA|USDA|VA) | 6 | $330,000 | $55,000 | $2,336 | 5.55% |
| SPARTANBURG, SC (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,945 | 5.00% |
| Bucyrus-Galion, OH (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $4,993 | 5.00% |
| Elko, NV (FHA|USDA|VA) | 4 | $310,000 | $77,500 | $1,637 | 5.90% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $1,716 | 4.69% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $3,505 | 5.25% |
| LANCASTER, PA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $4,157 | 3.18% |
| North Wilkesboro, NC (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $3,433 | 3.62% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,148 | 4.88% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 3 | $285,000 | $95,000 | $2,767 | 3.25% |
| FLINT, MI (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,869 | 4.38% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 4 | $280,000 | $70,000 | $3,148 | 4.90% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,900 | 4.88% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 5 | $275,000 | $55,000 | $2,529 | 5.05% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,668 | 3.75% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $0 | 4.87% |
| Russellville, AR (FHA|USDA|VA) | 4 | $250,000 | $62,500 | $1,522 | 8.52% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,511 | 3.88% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $2,962 | 4.56% |
| Susanville, CA (FHA|USDA|VA) | 4 | $240,000 | $60,000 | $1,735 | 7.39% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,578 | 4.75% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,290 | 3.75% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,608 | 4.25% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,426 | 4.63% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 4 | $200,000 | $50,000 | $3,070 | 5.47% |
| Cullowhee, NC (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $0 | 4.02% |
| Danville, KY (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,589 | 4.13% |
| Pahrump, NV (FHA|USDA|VA) | 3 | $195,000 | $65,000 | $3,623 | 4.83% |
| Plymouth, IN (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $2,357 | 5.69% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 3 | $185,000 | $61,667 | $3,060 | 3.04% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,772 | 2.88% |
| OCALA, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,580 | 4.38% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $0 | 7.25% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,335 | 3.88% |
| Winnemucca, NV (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $1,789 | 3.31% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,666 | 6.50% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,415 | 4.88% |
| Batesville, AR (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,639 | 4.00% |
| LOUISVILLE, KY (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $2,266 | 4.31% |
| Miami, OK (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $1,465 | 4.46% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,996 | 4.88% |
| Branson, MO (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,890 | 4.25% |
| JACKSON, TN (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $2,421 | 4.50% |
| Huntington, IN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,539 | 4.50% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.50% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,949 | 5.38% |
| Ludington, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,547 | 4.63% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 2.99% |
| Somerset, KY (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,446 | 6.38% |
| Wabash, IN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,786 | 3.88% |
| Shelby, NC (FHA|USDA|VA) | 2 | $80,000 | $40,000 | $2,127 | 7.19% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 2.49% |
| Amsterdam, NY (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 5.75% |
| Findlay, OH (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,119 | 4.38% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,224 | 4.75% |
| Fergus Falls, MN (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 2.99% |
| COLUMBUS, IN (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,257 | 4.38% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 8.50% |
| Tahlequah, OK (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $4,084 | 4.50% |
| KOKOMO, IN (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $2,054 | 5.13% |
| Urbana, OH (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $2,629 | 5.00% |
| Marquette, MI (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $2,265 | 4.25% |
| Seneca, SC (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $2,616 | 5.50% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 6.75% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 5.50% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 2 | $30,000 | $15,000 | $0 | 5.12% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 8.50% |
| Bellefontaine, OH (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 6.50% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 6.25% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 8.80% |
| Crossville, TN (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 5.50% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 7.00% |
| Tiffin, OH (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 2.49% |
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 2019, United's most frequently originated type of loan was Conventional, with 2,497 originations. Their 2nd most popular type was HELOC, with 1,356 originations.
Loan Reason
For 2019, United's most frequently cited loan purpose was Home Purchase, with 1,330 originations. The 2nd most popular reason was Home Improvement, with 835 originations.
Loan Duration/Length
For 2019, United's most frequently cited loan duration was 10 Year, with 1,672 originations. The 2nd most popular length was 30 Year, with 1,502 originations.
Origination Fees/Closing Costs
United's average total fees were $3,230, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,602 originations.
Interest Rates
During 2019, United's average interest rate for loans was 4.51%, while their most frequently originated rate bucket for loans was 4-5%, with 924 originations.
Loan Sizing
2019 saw United place emphasis on $100,000 or less loans with 2,086 originations, totaling $98,580,000 in origination value.
Applicant Income
United lent most frequently to those with incomes in the $50k-75k range, with 1,047 originations. The second most popular income band? $50k or less, with 892 originations.
Applicant Debt to Income Ratio
United lent most frequently to those with DTI ratios of 20-30%, with 928 originations. The next most common DTI ratio? 30-36%, with 710 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications86.80%
United has an average approval rate.
Pick Rate
Approvals leading to origination66.66%
United has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 3,959 | $547,625,000 | $138,324 |
Occupancy Type Mix
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| UNITED COMMUNITY BANK | Conventional home mortgage | Struggling to pay mortgage | 1 | 100.0% |