# U S WIDE FINANCIAL LLC

> **Canonical URL:** https://saferate.com/lenders/u-s-wide-financial


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


U S WIDE FINANCIAL LLC is a independent mortgage company, headquartered in Saint Louis, MO, serving borrowers across 21 states, with 186 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 3% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 48% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300OBJRCHJ0G6XU24
- **Headquarters:** Saint Louis, MO
- **Geographic Reach:** Multi-Region
- **States Served:** 21
- **State List:** AL, AR, CA, CO, CT, FL, GA, IL, IN, KS, MD, MO, NC, NJ, OH, OK, PA, TN, TX, VA, WA
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 97/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 52/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.190%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $-543
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 186
- **Dollar Volume:** $80 million
- **Applications Received:** 265
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $432,473
- **Average Borrower Income:** $199,296
- **Average Property Value:** $563,387

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (65%)
- ⭐ **Refinance Gold Superstar** (65%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 42/100 | 183 | -0.205% | $-574 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 137 loans, Score: 41/100 (Sound)
- Refinance: 46 loans, Score: 47/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 41/100 | 139 | $58M | -0.144% | Sound ☺️ |
| Refinance | 44/100 | 47 | $22M | -0.307% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MO | 116 | 0.15% | 68/100 |
| TX | 21 | 0.01% | 45/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| St. Louis, MO | MO-IL | 112 | 75/100 |

## Where This Lender Ranks

U S WIDE FINANCIAL LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#8** in St. Louis, MO Mortgage Companies
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/mortgage-companies)
- 🏆 **#16** in St. Louis, MO for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/mortgage-companies/conventional-loans)

## Frequently Asked Questions

### What loan types does U S WIDE FINANCIAL LLC offer?

U S WIDE FINANCIAL LLC offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does U S WIDE FINANCIAL LLC offer mortgages?

U S WIDE FINANCIAL LLC 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 LLC's mortgage rates?

U S WIDE FINANCIAL LLC has a pricing score of 97/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.190% below market average.

### What type of lender is U S WIDE FINANCIAL LLC?

U S WIDE FINANCIAL LLC is a non-depository lender that specializes in mortgage origination, headquartered in Saint Louis, MO.

### What is U S WIDE FINANCIAL LLC's loan approval success rate?

U S WIDE FINANCIAL LLC has a pull-through score of 52/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/u-s-wide-financial

### How to Cite

> "U S WIDE FINANCIAL LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/u-s-wide-financial

---

**[View Interactive Profile →](https://saferate.com/lenders/u-s-wide-financial)**