U S Wide Financial at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
90th1.9% deniedPricingmedian rate spread over APOR, weight 30%
91st-0.19 ptsProcesswithdrawn + incomplete share, weight 15%
16th21.4%Closing coststotal loan costs ÷ loan amount, weight 10%
92nd0.64% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 206 | 115 | 0.5% | 0.9% | 6.63% | $46M |
| 2024 | 267 | 186 | 3.4% | 4.6% | 6.38% | $80M |
| 2025 | 201 | 155 | 1.5% | 1.9% | 6.13% | $60M |
What U S Wide Financial lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 37 investment properties.
Why U S Wide Financial denies applications
Primary reason reported for each of the 3 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at U S Wide Financial
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 20 | 16 | 0.0% |
| $100k – $150k | 61 | 48 | 2.0% |
| $150k – $250k | 79 | 58 | 1.7% |
| Over $250k | 41 | 33 | 2.9% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 47 | 37 | 0.0% |
| 35–44 | 100 | 78 | 1.3% |
| 45–54 | 40 | 30 | 6.3% |
Where U S Wide Financial lends
19 states and 45 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Missouri | 137 | 101 | 1.5% | 6.13% | #229 |
| Illinois | 14 | 12 | 7.1% | 6.06% | #640 |
| Texas | 13 | 9 | 0.0% | 6.38% | #925 |
| Massachusetts | 5 | 5 | 0.0% | 6.13% | #515 |
Frequently asked questions
U S Wide Financial denied 1.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 90th percentile of small mortgage lenders.
The most common reason U S Wide Financial gave in 2025 was "credit history", cited on 33.3% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans U S Wide Financial originated in 2025 was 6.13%, and its median rate spread over the average prime offer rate was -0.19 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 63% of its applications were for home purchases, 37% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.