# US MORTGAGE CORPORATION

> **Canonical URL:** https://saferate.com/lenders/us-mortgage


> **📋 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


US MORTGAGE CORPORATION is a independent mortgage company, headquartered in MELVILLE, NY, serving borrowers across 33 states, with 1,533 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 84% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 40% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 54930039IUN6515TBG78
- **Headquarters:** MELVILLE, NY
- **Geographic Reach:** Near-National
- **States Served:** 33
- **State List:** AL, AR, AZ, CA, CO, CT, DE, FL, GA, IA, IL, IN, KS, LA, MA, MD, MI, MO, NC, NE, NH, NJ, NY, OH, OK, OR, PA, RI, SC, TN, TX, VA, VT
- **Markets (MSAs):** 21
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 16/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 60/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.654%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,766
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,533
- **Dollar Volume:** $483 million
- **Applications Received:** 2,420
- **Market Share:** 4.00%

## Typical Borrower Profile

- **Average Loan Amount:** $314,961
- **Average Borrower Income:** $119,773
- **Average Property Value:** $387,531

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 60/100 | 878 | +0.522% | $3,640 | Strong 😀 |
| FHA | 78/100 | 555 | +0.953% | $4,075 | Strong 😀 |
| VA | 70/100 | 74 | +0.047% | $3,133 | Strong 😀 |
| USDA | 74/100 | 18 | +0.429% | $2,255 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 745 loans, Score: 60/100 (Sound)
- Refinance: 133 loans, Score: 62/100 (Strong)

**FHA:**
- Purchase: 493 loans, Score: 77/100 (Strong)
- Refinance: 62 loans, Score: 74/100 (Strong)

**VA:**
- Purchase: 65 loans, Score: 70/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 68/100 | 1,329 | $431M | +0.680% | Strong 😀 |
| Refinance | 64/100 | 204 | $52M | +0.445% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| GA | 448 | 0.32% | 78/100 |
| NY | 265 | 0.23% | 72/100 |
| OK | 215 | 0.52% | 73/100 |
| NJ | 114 | 0.13% | 65/100 |
| KS | 76 | 0.25% | 65/100 |
| CO | 60 | 0.07% | 56/100 |
| FL | 60 | 0.02% | 50/100 |
| PA | 40 | 0.03% | 50/100 |
| LA | 39 | 0.11% | 53/100 |
| TX | 33 | 0.01% | 43/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Atlanta | GA | 310 | 79/100 |
| Tulsa, OK | OK | 151 | 73/100 |
| Non |  | 124 | 52/100 |
| Nassau County | NY | 100 | 67/100 |
| Marietta, GA | GA | 89 | 70/100 |
| New York | NY-NJ | 71 | 61/100 |
| Wichita, KS | KS | 68 | 67/100 |
| Albany | NY | 66 | 61/100 |
| Denver | CO | 52 | 57/100 |
| Camden, NJ | NJ | 50 | 61/100 |
| Baton Rouge, LA | LA | 32 | 54/100 |
| Lakewood | NJ | 28 | 52/100 |
| Riverside | CA | 19 | 44/100 |
| West Palm Beach | FL | 17 | 46/100 |
| Cleveland, OH | OH | 16 | 45/100 |

## Where This Lender Ranks

US MORTGAGE CORPORATION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#18** in Albany for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/albany/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#19** in Albany for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/albany/best-mortgage-lenders/mortgage-companies/conventional-loans)

## Frequently Asked Questions

### What loan types does US MORTGAGE CORPORATION offer?

US MORTGAGE CORPORATION offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does US MORTGAGE CORPORATION offer mortgages?

US MORTGAGE CORPORATION offers mortgages in 33 states: AL, AR, AZ, CA, CO, CT, DE, FL, GA, IA, IL, IN, KS, LA, MA, MD, MI, MO, NC, NE, NH, NJ, NY, OH, OK, OR, PA, RI, SC, TN, TX, VA, VT.

### How competitive are US MORTGAGE CORPORATION's mortgage rates?

US MORTGAGE CORPORATION has a pricing score of 16/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.654% above market average.

### What type of lender is US MORTGAGE CORPORATION?

US MORTGAGE CORPORATION is a non-depository lender that specializes in mortgage origination, headquartered in MELVILLE, NY.

### What is US MORTGAGE CORPORATION's loan approval success rate?

US MORTGAGE CORPORATION has a pull-through score of 60/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## 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/us-mortgage

### How to Cite

> "US MORTGAGE CORPORATION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/us-mortgage

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**[View Interactive Profile →](https://saferate.com/lenders/us-mortgage)**