United Mutual Funding Review
See how often this lender's Bankrate auction price beats comparable loans from 2025.
Bankrate verified lender
This lender is a Bankrate Auction Participant, meaning we verify their offer authenticity and hold them to high standards to ensure you get the best possible rate offer.
How Bankrate scores United Mutual Funding
United Mutual Funding doesn't appear in public mortgage records under its own name, so it doesn't have an Overall Rating. We still score its pricing on the same measures we use for every lender, so you can compare it fairly against your other options.
- Price competitiveness
How often this lender's borrowers got an interest rate at or below the median rate for similar loans.
5 out of 5 - Amount of overpayment
How much more this lender's borrowers paid than the lowest-cost mortgage offer for a similar borrower and loan, almost always found exclusively through Bankrate's auction.
5 out of 5 - —Customer complaints
no CFPB complaint on record
Not rated - —Where and what they lend
10+ Bankrate customers in 4 states; 100+ in 3. No public lending data for this company, so this stays a comparison point for you rather than a star.
Not rated
No lender can pay for a higher Bankrate Rating. Every score comes from the same data and criteria.
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What Bankrate's editors think
Speed is United Mutual Funding’s calling card — it reports an average loan approval period of just 10 days. That convenience comes with a narrow footprint, though: it’s licensed in only four states (Florida, Georgia, Virginia and Maryland), with a standard conventional, FHA, VA, USDA and jumbo menu.
It holds an A+ BBB rating with no origination-related CFPB complaints or enforcement record, and the pricing holds its own too: about 88% of its 2025 mortgages were priced below comparable loans.
At a glance
Good for government loan borrowers in Florida, Georgia, Virginia or Maryland — the only states where it’s licensed. Not a good fit if you live elsewhere, as its licensing doesn’t extend beyond those four states.
What consumers say
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