Usagencies Mortgage Rates, Fees & Info
Portland, ORLEI: 2549009OWTY7KVB18G12
Tax ID: 93-0256538
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Usagencies is a smaller mortgage company specializing in Cash Out Refi loans. Usagencies has a high proportion of conventional loans. Their top markets by origination volume include: Portland, Corvallis, Bend, Salem, and Olympia among others. We have data for 10 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. They have an above average pick rate when compared to similar lenders.
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Originations
53Origination Dollar Volume (All Markets)
$9,095,000Top 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) | 33 | $5,115,000 | $155,000 | $0 | 0.00% |
| CORVALLIS, OR (FHA|USDA|VA) | 5 | $1,685,000 | $337,000 | $0 | 0.00% |
| BEND, OR (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $0 | 0.00% |
| Outside of Metro Areas | 4 | $710,000 | $177,500 | $0 | 0.00% |
| SALEM, OR (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $0 | 0.00% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
| The Dalles, OR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 0.00% |
| Newport, OR (FHA|USDA|VA) | 2 | $80,000 | $40,000 | $0 | 0.00% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 0.00% |
| Centralia, WA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 53 | $9,095,000 | $171,604 | $0 | 0.00% |
For 2022, Usagencies's most frequently originated type of loan was Conventional, with 53 originations.
Loan Reason
For 2022, Usagencies's most frequently cited loan purpose was Cash Out Refi, with 25 originations. The 2nd most popular reason was Home Improvement, with 19 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 53 | $9,095,000 | $171,604 | $0 | 0.00% |
For 2022, Usagencies's most frequently cited loan duration was Other, with 53 originations.
Loan Sizing
2022 saw Usagencies place emphasis on $100,000 or less loans with 20 originations, totaling $1,000,000 in origination value.
Applicant Income
Usagencies lent most frequently to those with incomes in the $100k-150k range, with 12 originations. The second most popular income band? $75k-100k, with 11 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 53 | $9,095,000 | $171,604 | $0 | 0.00% |
Usagencies lent most frequently to those with DTI ratios of Exempt%, with 53 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.61%
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 origination92.45%
Usagencies has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 53 | $9,095,000 | $171,604 |