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US MORTGAGE CORPORATION
Independent Mortgage Company|MELVILLE, NY|Near-National
Loans Originated
1,533
Applications
2,420
Volume
$482 million
Offers loans directly to consumers
Overall Pricing
Mediocre
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+0.654%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,766
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
63.3%
Percentage of applications that result in closed loans
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
Report Card
US MORTGAGE CORPORATION performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
USDA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Near-National · 21 metro areas · 33 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$314,961
Average Borrower Income
$119,773
Average Property Value
$387,531
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Strong | Mediocre | Sound | 878 | 57.3% | +0.522% | $3,640 |
FHA Loans | Sound | Strong | Mediocre | Strong | 555 | 36.2% | +0.953% | $4,075 |
VA Loans | Sound | Strong | Mediocre | Strong | 74 | 4.8% | +0.047% | $3,133 |
USDA Loans | Strong | Strong | N/A | Strong | 18 | 1.2% | +0.429% | $2,255 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Strong | Mediocre | Sound | 1,329 | 86.7% | +0.680% | $3,779 |
Refinance | Sound | Strong | Acceptable | Acceptable | 204 | 13.3% | +0.445% | $3,659 |
Geographic Coverage
Metro Areas
20
States Served
33
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALARAZCACOCTDEFLGAIAILINKSLAMAMDMIMONCNENHNJNYOHOKORPARISCTNTXVAVT
Top Metro Areas by Place Specialization Score
1
Atlanta, GAMSA
Volume: 310Mix: 20.22%
Place Specialization
Strong
2
Tulsa, OK, OKMSA
Volume: 151Mix: 9.85%
Place Specialization
Strong
3
Marietta, GA, GAMSA
Volume: 89Mix: 5.81%
Place Specialization
Strong
4
Wichita, KS, KSMSA
Volume: 68Mix: 4.44%
Place Specialization
Strong
5
Nassau County, NYMSA
Volume: 100Mix: 6.52%
Place Specialization
Strong
6
Albany, NYMSA
Volume: 66Mix: 4.31%
Place Specialization
Strong
7
Camden, NJ, NJMSA
Volume: 50Mix: 3.26%
Place Specialization
Strong
8
New York, NY-NJMSA
Volume: 71Mix: 4.63%
Place Specialization
Strong
9
Denver, COMSA
Volume: 52Mix: 3.39%
Place Specialization
Sound
10
Baton Rouge, LA, LAMSA
Volume: 32Mix: 2.09%
Place Specialization
Sound
Showing 10 of 20 metro areas
Top States by Place Specialization Score
1
GAState
Volume: 448Mix: 29.22%
Place Specialization
Strong
2
OKState
Volume: 215Mix: 14.02%
Place Specialization
Strong
3
NYState
Volume: 265Mix: 17.29%
Place Specialization
Strong
4
NJState
Volume: 114Mix: 7.44%
Place Specialization
Strong
5
KSState
Volume: 76Mix: 4.96%
Place Specialization
Strong
6
COState
Volume: 60Mix: 3.91%
Place Specialization
Sound
7
LAState
Volume: 39Mix: 2.54%
Place Specialization
Sound
8
PAState
Volume: 40Mix: 2.61%
Place Specialization
Sound
9
FLState
Volume: 60Mix: 3.91%
Place Specialization
Sound
10
OHState
Volume: 24Mix: 1.57%
Place Specialization
Sound
Showing 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.
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