Usagencies Mortgage Rates, Fees & Info

Portland, OR

LEI: 2549009OWTY7KVB18G12

Tax ID: 93-0256538

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Usagencies is a smaller mortgage company specializing in Cash Out Refi and Refi loans. Usagencies has a high proportion of conventional loans. Their top markets by origination volume include: Portland, Salem, Corvallis, Hood River, and Prineville among others. We have data for 7 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Usagencies has an above average approval rate when compared to the average across all lenders.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

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    Originations

    57

    Origination Dollar Volume (All Markets)

    $9,795,000

    Top 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) 47 $8,475,000 $180,319 $0 0.00%
    SALEM, OR (FHA|USDA|VA) 2 $420,000 $210,000 $0 0.00%
    CORVALLIS, OR (FHA|USDA|VA) 2 $410,000 $205,000 $0 0.00%
    Hood River, OR (FHA|USDA|VA) 2 $190,000 $95,000 $0 0.00%
    Outside of Metro Areas 2 $150,000 $75,000 $0 0.00%
    Prineville, OR (FHA|USDA|VA) 1 $75,000 $75,000 $0 0.00%
    Roseburg, OR (FHA|USDA|VA) 1 $75,000 $75,000 $0 0.00%
    Usagencies's top markets include Portland, Salem, Corvallis, Hood River, and Prineville among others.

    Their top states include:
  • Oregon (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
  • Idaho (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 57 $9,795,000 $171,842 $0 0.00%

    For 2021, Usagencies's most frequently originated type of loan was Conventional, with 57 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 25 $5,245,000 $209,800 $0 0.00%
    Refi 20 $3,930,000 $196,500 $0 0.00%
    Home Improvement 12 $620,000 $51,667 $0 0.00%

    For 2021, Usagencies's most frequently cited loan purpose was Cash Out Refi, with 25 originations. The 2nd most popular reason was Refi, with 20 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 57 $9,795,000 $171,842 $0 0.00%

    For 2021, Usagencies's most frequently cited loan duration was Other, with 57 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 20 $3,020,000 $151,000 $0 0.00%
    $200k-400k 20 $5,410,000 $270,500 $0 0.00%
    $100,000 or less 16 $900,000 $56,250 $0 0.00%
    $400k-600k 1 $465,000 $465,000 $0 0.00%

    2021 saw Usagencies place emphasis on $100k-200k loans with 20 originations, totaling $3,020,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 14 $2,870,000 $205,000 $0 0.00%
    $75k-100k 14 $2,130,000 $152,143 $0 0.00%
    $50k-75k 13 $2,195,000 $168,846 $0 0.00%
    $150k-250k 8 $1,740,000 $217,500 $0 0.00%
    $50k or less 6 $500,000 $83,333 $0 0.00%
    $250k+ 2 $360,000 $180,000 $0 0.00%

    Usagencies lent most frequently to those with incomes in the $100k-150k range, with 14 originations. The second most popular income band? $75k-100k, with 14 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 57 $9,795,000 $171,842 $0 0.00%

    Usagencies lent most frequently to those with DTI ratios of Exempt%, with 57 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 46 $8,090,000 $175,870 $0 0.00%
    Black 6 $1,010,000 $168,333 $0 0.00%
    Asian 3 $445,000 $148,333 $0 0.00%
    American Indian 1 $135,000 $135,000 $0 0.00%
    Native Hawaiian or Islander 1 $115,000 $115,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    98.28%

    Usagencies has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 57 $9,795,000 $171,842

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    57 $9,795,000 $171,842