Applications / Mortgage Analytics / Lenders / Missouri / US Wide Financial
Chesterfield, MO · Non-bank affiliate of a holding company · CFPB · 155 loans in 2025
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155
loans originated, 2025
201
applications, 2025
18
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
US Wide Financial is a Missouri lender that makes only conventional loans, and it now makes about a tenth as many as it did in 2020.
All its loans in 2025 were conventional, with none insured by the Federal Housing Administration or guaranteed by Veterans Affairs. Similar lenders, the 16 non-bank affiliates of holding companies making between a quarter and four times as many loans, put 77.8% in conventional loans. None of its loans was higher-priced (a rate well above the average for similar loans), and its typical rate of 6.12% was lower than at all but a few peers.
It made 1,610 loans in 2020 and 1,182 in 2021, then 228 in 2022. In 2025 it made 155, down 17%, a steeper fall than the 9% at similar lenders, while the whole market grew 10%.
Low- and moderate-income (LMI) borrowers took 6.5% of its loans, against 25.8% at similar lenders. Its conventional-only lending and larger typical loan, $375,000 against $315,000, may tilt it toward better-off buyers.
St. Louis, where it has lent since 2014, is its largest market. It ranks 86 of 637 lenders there, with 0.2% of lending, down from 0.3% in a year its own loans fell. Guild Mortgage Company leads that market.
Similar lenders: same lender type, originations between a quarter and four times the lender's. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. US Wide Financial took 201 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 62.6% · Refinance 36.8% · Other 0.6%
Conventional 100.0% · of 155 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Missouri | 101 | 65.2% |
| Illinois | 12 | 7.7% |
| Texas | 9 | 5.8% |
| Massachusetts | 5 | 3.2% |
| Arkansas | 4 | 2.6% |
| Tennessee | 4 | 2.6% |
| Florida | 3 | 1.9% |
| New Jersey | 3 | 1.9% |
| Virginia | 3 | 1.9% |
| Indiana | 2 | 1.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 101 |
| Chicago-Naperville-Schaumburg | 7 |
| San Antonio-New Braunfels | 6 |
| Boston | 4 |
| Fayetteville-Springdale-Rogers | 4 |
| Nashville-Davidson--Murfreesboro--Franklin | 4 |
| Dallas-Plano-Irving | 3 |
| Elgin | 2 |
| Indianapolis-Carmel-Greenwood | 2 |
| Lakewood-New Brunswick | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300OBJRCHJ0G6XU24 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4880451 | 2015–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7264558390 |
Established 27 March 2009. Reported under HMDA 2014-2025.
Mergers, name changes, data editions and corrections: US Wide Financial's data.
US Wide Financial's data
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US Wide Financial and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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