United Fidelity Bank Fsb Mortgage Rates, Fees & Info
Evansville, INLEI: 549300RV3BMT6ES6TO70
Tax ID: 35-0298350
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Mortgage Data
Review & Overview
United Fidelity Bank Fsb is a small bank specializing in loans. United Fidelity Bank Fsb has a high proportion of conventional loans. Their top markets by origination volume include: Indianapolis, Columbus, Atlanta, Charlotte, and Colorado Springs among others. We have data for 32 markets. (Some data included below & more in-depth data is available with an active subscription.)United Fidelity Bank Fsb has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. United Fidelity Bank Fsb 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 | 5.69% | 3/24/23 |
| 30 Year Conventional Refi | 6.40% | 3/24/23 |
| 30 Year Cash-out Refi | 4.91% | 3/24/23 |
| 30 Year FHA Purchase | 6.27% | 3/24/23 |
| 30 Year VA Purchase | 6.27% | 3/24/23 |
| 15 Year Conventional Purchase | 4.69% | 3/24/23 |
| 15 Year Conventional Refi | 6.23% | 3/24/23 |
| 15 Year Cash-out Refi | 6.23% | 3/24/23 |
| 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. | ||
Originations
206Origination Dollar Volume (All Markets)
$2,817,150,000Awards
United Fidelity Bank fsb - 2022
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For 2022, less than of lenders were eligible for this award.
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Relative Rate
United Fidelity Bank Fsb's average 30 year fixed mortgage rate was
3.68%.
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of -1.08%.
Relative Fees (Closing Costs)
United Fidelity Bank Fsb's average total fees/closing costs for a 30 year fixed rate
mortgage were $3,630.
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 |
|---|---|---|---|---|---|
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 35 | $631,575,000 | $18,045,000 | $2,911 | 3.40% |
| COLUMBUS, OH (FHA|USDA|VA) | 29 | $347,425,000 | $11,980,172 | $0 | 3.37% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 15 | $299,095,000 | $19,939,667 | $0 | 3.51% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 5 | $170,905,000 | $34,181,000 | $0 | 3.35% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 7 | $162,035,000 | $23,147,857 | $0 | 3.44% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 9 | $146,625,000 | $16,291,667 | $0 | 3.32% |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) | 8 | $138,880,000 | $17,360,000 | $0 | 3.44% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 8 | $124,170,000 | $15,521,250 | $2,294 | 3.71% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 2 | $94,230,000 | $47,115,000 | $0 | 3.25% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 4 | $87,100,000 | $21,775,000 | $0 | 3.25% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 9 | $79,425,000 | $8,825,000 | $0 | 3.29% |
| FORT COLLINS, CO (FHA|USDA|VA) | 2 | $70,520,000 | $35,260,000 | $0 | 3.25% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 5 | $67,505,000 | $13,501,000 | $0 | 3.35% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 2 | $63,470,000 | $31,735,000 | $0 | 6.05% |
| GAINESVILLE, FL (FHA|USDA|VA) | 2 | $58,830,000 | $29,415,000 | $0 | 3.50% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 2 | $52,760,000 | $26,380,000 | $0 | 3.50% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 2 | $49,310,000 | $24,655,000 | $0 | 3.45% |
| ASHEVILLE, NC (FHA|USDA|VA) | 3 | $43,385,000 | $14,461,667 | $0 | 3.35% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 6 | $38,670,000 | $6,445,000 | $0 | 3.30% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 2 | $34,260,000 | $17,130,000 | $0 | 3.35% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 2 | $20,410,000 | $10,205,000 | $0 | 3.25% |
| Angola, IN (FHA|USDA|VA) | 3 | $20,285,000 | $6,761,667 | $0 | 4.00% |
| Seymour, IN (FHA|USDA|VA) | 1 | $4,495,000 | $4,495,000 | $0 | 3.52% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 28 | $4,300,000 | $153,571 | $1,588 | 4.50% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $1,905,000 | $1,905,000 | $0 | 4.50% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 1 | $1,645,000 | $1,645,000 | $8,377 | 5.88% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 3 | $1,345,000 | $448,333 | $6,472 | 4.00% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $955,000 | $955,000 | $0 | 3.85% |
| Outside of Metro Areas | 3 | $715,000 | $238,333 | $1,704 | 4.58% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 4 | $420,000 | $105,000 | $0 | 4.72% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,002 | 2.75% |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 4.25% |
Similar Lenders
We use machine learning to identify the top lenders compared against United Fidelity Bank fsb 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 | 206 | $2,817,150,000 | $13,675,485 | $2,243 | 3.66% |
For 2022, United Fidelity Bank Fsb's most frequently originated type of loan was Conventional, with 206 originations.
Loan Reason
For 2022, United Fidelity Bank Fsb's most frequently cited loan purpose was Home Purchase, with 147 originations. The 2nd most popular reason was Cash Out Refi, with 43 originations.
Loan Duration/Length
For 2022, United Fidelity Bank Fsb's most frequently cited loan duration was Other, with 87 originations. The 2nd most popular length was 10 Year, with 86 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 34 | $7,300,000 | $214,706 |
United Fidelity Bank Fsb's average total fees were $3,630, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 34 originations.
Interest Rates
During 2022, United Fidelity Bank Fsb's average interest rate for loans was 3.68%, while their most frequently originated rate bucket for loans was 3-4%, with 161 originations.
Loan Sizing
2022 saw United Fidelity Bank Fsb place emphasis on $1MM+ loans with 151 originations, totaling $2,801,995,000 in origination value.
Applicant Income
United Fidelity Bank Fsb lent most frequently to those with incomes in the $50k or less range, with 12 originations. The second most popular income band? $100k-150k, with 10 originations.
Applicant Debt to Income Ratio
United Fidelity Bank Fsb lent most frequently to those with DTI ratios of 20-30%, with 11 originations. The next most common DTI ratio? <20%, with 9 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.52%
United Fidelity Bank Fsb has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination88.83%
United Fidelity Bank Fsb has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 206 | $2,817,150,000 | $13,675,485 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 206 | $2,817,150,000 | $13,675,485 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2022 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| UNITED COMMUNITY BANK | Conventional home mortgage | Closing on a mortgage | 1 | 100.0% |