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 Refi and Home Improvement loans. Usagencies has a high proportion of conventional loans. Their top (well, only) market is Portland.Usagencies has an average approval rate when compared to the average across all lenders. They have an average pick rate when compared to similar lenders.
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Originations
15Origination Dollar Volume (All Markets)
$1,275,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 15 | $1,275,000 | $85,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 15 | $1,275,000 | $85,000 | $0 | 0.00% |
For 2019, Usagencies's most frequently originated type of loan was Conventional, with 15 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Refi | 8 | $910,000 | $113,750 | $0 | 0.00% |
| Home Improvement | 7 | $365,000 | $52,143 | $0 | 0.00% |
For 2019, Usagencies's most frequently cited loan purpose was Refi, with 8 originations. The 2nd most popular reason was Home Improvement, with 7 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 15 | $1,275,000 | $85,000 | $0 | 0.00% |
For 2019, Usagencies's most frequently cited loan duration was Other, with 15 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100,000 or less | 11 | $625,000 | $56,818 | $0 | 0.00% |
| $100k-200k | 4 | $650,000 | $162,500 | $0 | 0.00% |
2019 saw Usagencies place emphasis on $100,000 or less loans with 11 originations, totaling $625,000 in origination value.
Applicant Income
Usagencies lent most frequently to those with incomes in the $150k-250k range, with 5 originations. The second most popular income band? $75k-100k, with 3 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 15 | $1,275,000 | $85,000 | $0 | 0.00% |
Usagencies lent most frequently to those with DTI ratios of Exempt%, with 15 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 13 | $1,065,000 | $81,923 | $0 | 0.00% |
| Asian | 1 | $155,000 | $155,000 | $0 | 0.00% |
| Black | 1 | $55,000 | $55,000 | $0 | 0.00% |
Approval Rates
Total approvals of all applications88.89%
Usagencies has an average approval rate.
Pick Rate
Approvals leading to origination93.33%
Usagencies has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 15 | $1,275,000 | $85,000 |