What loan types does U S Wide Financial offer?

U S Wide Financial offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does U S Wide Financial offer mortgages?

U S Wide Financial offers mortgages in 21 states: AL, AR, CA, CO, CT, FL, GA, IL, IN, KS, MD, MO, NC, NJ, OH, OK, PA, TN, TX, VA, WA.

How competitive are U S Wide Financial's mortgage rates?

U S Wide Financial has an overall pricing score of 96.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is U S Wide Financial?

U S Wide Financial is a Independent Mortgage Company headquartered in Saint Louis, MO.

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U S Wide Financial

Independent Mortgage Company•Saint Louis, MOHQ•Direct•Reviews near you on Google

U S Wide Financial has 186 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Exceptional

5/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Multi-Region · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Refinance

Superstar

Summary

What They Do Well

Offers rates 19.00 basis points below market average
Lower than average lender fees

Explore another lender or local market

Report Card

U S Wide Financial performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 19.0 bps below market avg

5/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

183 loans · 0.20% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

139 loans · 0.14% below market

Sound

Top 60% of lenders

3/5

Refinance

47 loans · 0.31% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 1 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Exceptional	Sound	183	98.4%	-0.205%Below	$574Credit

Conventional

Overall

Sound

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume183

Mix98.4%

Spread

-0.205%Below

Fees

$574Credit

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Exceptional	Acceptable	139	74.7%	-0.144%Below	$316Credit
Refinance	Strong	Sound	Exceptional	Sound	47	25.3%	-0.307%Below	$1,116Credit

Purchase

Overall

Sound

Product

Sound

Pricing

Exceptional

Pull Through

Acceptable

Volume139

Mix74.7%

Spread

-0.144%Below

Fees

$316Credit

Refinance

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume47

Mix25.3%

Spread

-0.307%Below

Fees

$1,116Credit

At a Glance

Lender Overview

Lending Activity

Loans Originated

186

Applications

265

Volume

$80 million

Pricing & Closing

Avg Rate Spread

-0.190%

vs. market APOR

Avg Net Fees

$-543

Origination − Credits

Pullthrough Rate

70.2%

Applications → Closed

Typical Borrower

Avg Loan Amount

$432,473

Avg Borrower Income

$199,296

Avg Property Value

$563,387

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

21Full-year 2024 · HMDA

Loans originated

< 2020+None

Northeast3

CTNJPA

Midwest5

ILINKSMOOH

South10

ALARFLGAMDNCOKTNTXVA

West3

CACOWA

Top Metro Areas by Place Specialization Score

St. Louis, MO, MO-ILMetro

Volume 112Mix 60.22% of portfolio

75/100

Strong

Top States by Place Specialization Score

MissouriState

Volume 116Mix 62.37% of portfolio

68/100

Strong

TexasState

Volume 21Mix 11.29% of portfolio

45/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.