U
We analyzed every closed loan from Us Mortgage — 1.5k loans across 2k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Mediocre
vs. all lenders
Pull Through
Sound
closing strength
Products
Strong
FHA · Conventional · VA · USDA
Place
Sound
Near-National · 20 mkts
Shopping for a Mortgage?
Save Us Mortgage or ask our AI assistant to explore your options.
Safe Rate's Summary
What They Do Well
- Particularly strong in Conventional and FHA and VA and USDA loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 65 basis points above market average
Explore another lender or local market
Report Card
Us Mortgage Corporation performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Below peers +65.4 bps above market avg | |
Pull Through Closing strength | Industry Standard Top 60% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Highly Competitive Top 40% of lenders | |
FHA | Highly Competitive Top 40% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
USDA | Highly Competitive Top 40% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Highly Competitive Top 40% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Industry Standard Top 60% of lenders Near-National21 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 878 | 57.3% | +0.522%Above | $3,640Fees | ||||
FHA Loans | 555 | 36.2% | +0.953%Above | $4,075Fees | ||||
VA Loans | 74 | 4.8% | +0.047%Above | $3,133Fees | ||||
USDA Loans | — | 18 | 1.2% | +0.429%Above | $2,255Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,329 | 86.7% | +0.680%Above | $3,779Fees | ||||
Refinance | 204 | 13.3% | +0.445%Above | $3,659Fees |
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,533
Applications
2,420
Volume
$482 million
Pricing & Closing
Avg Rate Spread
+0.654%
vs. market APOR
Avg Net Fees
$3,766
Origination − Credits
Pullthrough Rate
63.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$314,961
Avg Borrower Income
$119,773
Avg Property Value
$387,531
Geographic Coverage
Geographic Performance
Metro Areas
20
States Served
33
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
ALARAZCACOCTDEFLGAIAILINKSLAMAMDMIMONCNENHNJNYOHOKORPARISCTNTXVAVT
Top Metro Areas by Place Specialization Score
1
Atlanta, GAMSA
Volume: 310Mix: 20.22%of portfolio
Place
Strong2
Tulsa, OK, OKMSA
Volume: 151Mix: 9.85%of portfolio
Place
Strong3
Marietta, GA, GAMSA
Volume: 89Mix: 5.81%of portfolio
Place
Strong4
Wichita, KS, KSMSA
Volume: 68Mix: 4.44%of portfolio
Place
Strong5
Nassau County, NYMSA
Volume: 100Mix: 6.52%of portfolio
Place
Strong6
Albany, NYMSA
Volume: 66Mix: 4.31%of portfolio
Place
Strong7
Camden, NJ, NJMSA
Volume: 50Mix: 3.26%of portfolio
Place
Strong8
New York, NY-NJMSA
Volume: 71Mix: 4.63%of portfolio
Place
Strong9
Denver, COMSA
Volume: 52Mix: 3.39%of portfolio
Place
Sound10
Baton Rouge, LA, LAMSA
Volume: 32Mix: 2.09%of portfolio
Place
SoundShowing 10 of 20 metro areas
Top States by Place Specialization Score
1
GAState
Volume: 448Mix: 29.22%of portfolio
Place
Strong2
OKState
Volume: 215Mix: 14.02%of portfolio
Place
Strong3
NYState
Volume: 265Mix: 17.29%of portfolio
Place
Strong4
NJState
Volume: 114Mix: 7.44%of portfolio
Place
Strong5
KSState
Volume: 76Mix: 4.96%of portfolio
Place
Strong6
COState
Volume: 60Mix: 3.91%of portfolio
Place
Sound7
LAState
Volume: 39Mix: 2.54%of portfolio
Place
Sound8
PAState
Volume: 40Mix: 2.61%of portfolio
Place
Sound9
FLState
Volume: 60Mix: 3.91%of portfolio
Place
Sound10
OHState
Volume: 24Mix: 1.57%of portfolio
Place
SoundShowing 10 of 19 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Looking for a different lender?
Are you the owner of Us Mortgage Corporation?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.