Usagencies Mortgage Rates, Fees & Info
Portland, ORLEI: 2549009OWTY7KVB18G12
Tax ID: 93-0256538
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Mortgage Data
Review & Overview
Usagencies is a smaller mortgage company specializing in Home Improvement and Refi loans. Usagencies has a high proportion of conventional loans. Their top two markets are Portland and Bend .Usagencies has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
23Origination Dollar Volume (All Markets)
$115,000Top Markets
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| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 20 | $100,000 | $5,000 | $0 | 0.00% |
| Outside of Metro Areas | 2 | $10,000 | $5,000 | $0 | 0.00% |
| BEND, OR (FHA|USDA|VA) | 1 | $5,000 | $5,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 23 | $115,000 | $5,000 | $0 | 0.00% |
For 2018, Usagencies's most frequently originated type of loan was Conventional, with 23 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Improvement | 14 | $70,000 | $5,000 | $0 | 0.00% |
| Refi | 9 | $45,000 | $5,000 | $0 | 0.00% |
For 2018, Usagencies's most frequently cited loan purpose was Home Improvement, with 14 originations. The 2nd most popular reason was Refi, with 9 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 23 | $115,000 | $5,000 | $0 | 0.00% |
For 2018, Usagencies's most frequently cited loan duration was Other, with 23 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100,000 or less | 23 | $115,000 | $5,000 | $0 | 0.00% |
2018 saw Usagencies place emphasis on $100,000 or less loans with 23 originations, totaling $115,000 in origination value.
Applicant Income
Usagencies lent most frequently to those with incomes in the $100k-150k range, with 7 originations. The second most popular income band? $150k-250k, with 6 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 23 | $115,000 | $5,000 | $0 | 0.00% |
Usagencies lent most frequently to those with DTI ratios of Exempt%, with 23 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 21 | $105,000 | $5,000 | $0 | 0.00% |
| American Indian | 1 | $5,000 | $5,000 | $0 | 0.00% |
| Asian | 1 | $5,000 | $5,000 | $0 | 0.00% |
Approval Rates
Total approvals of all applications92.86%
Usagencies has an average approval rate.
Pick Rate
Approvals leading to origination86.96%
Usagencies has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 23 | $115,000 | $5,000 |