U.s. Home Mortgage Rates, Fees & Info
LINCOLN, NELEI: 549300MNG3C6WSZ0TB17
Tax ID: 30-0359861
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Mortgage Data
Review & Overview
U.s. Home Mortgage is a smaller mortgage company specializing in Home Purchase loans. U.s. Home Mortgage has a high proportion of conventional loans. Their top markets by origination volume include: Lincoln, Omaha, and Grand Island among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)U.s. Home Mortgage 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. U.s. Home Mortgage is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.
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.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.57% | 11/17/24 |
| 30 Year Conventional Refi | 6.63% | 11/17/24 |
| 30 Year Cash-out Refi | 6.73% | 11/17/24 |
| 30 Year VA Purchase | 6.04% | 11/17/24 |
| 30 Year VA Refi | 6.15% | 11/17/24 |
| 15 Year Conventional Purchase | 5.94% | 11/17/24 |
| 15 Year Conventional Refi | 6.18% | 11/17/24 |
| 15 Year Cash-out Refi | 6.18% | 11/17/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
U.s. Home Mortgage Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
29Origination Dollar Volume (All Markets)
$8,555,000Awards
U.S. HOME MORTGAGE - 2023
U.S. HOME MORTGAGE is a 2023 , due to their low .
For 2023, less than of lenders were eligible for this award.
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Relative Rate
U.s. Home Mortgage's average 30 year fixed mortgage rate was
6.52%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of 0.04%.
Relative Fees (Closing Costs)
U.s. Home Mortgage's average total fees/closing costs for a 30 year fixed rate
mortgage were $2,841.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $9,089.
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 |
|---|---|---|---|---|---|
| LINCOLN, NE (FHA|USDA|VA) | 23 | $6,925,000 | $301,087 | $2,884 | 6.48% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 3 | $1,025,000 | $341,667 | $2,181 | 6.88% |
| GRAND ISLAND, NE (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $3,406 | 6.19% |
| Outside of Metro Areas | 1 | $185,000 | $185,000 | $2,323 | 6.63% |
Similar Lenders
We use machine learning to identify the top lenders compared against U.S. HOME MORTGAGE based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 48
Similarity Rank: 56
Similarity Rank: 72
Similarity Rank: 75
Similarity Rank: 192
Similarity Rank: 225
Similarity Rank: 240
Similarity Rank: 243
Similarity Rank: 260
Similarity Rank: 396
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 26 | $7,250,000 | $278,846 | $2,895 | 6.53% |
| VA | 3 | $1,305,000 | $435,000 | $2,252 | 6.29% |
For 2023, U.s. Home Mortgage's most frequently originated type of loan was Conventional, with 26 originations. Their 2nd most popular type was VA, with 3 originations.
Loan Reason
For 2023, U.s. Home Mortgage's most frequently cited loan purpose was Home Purchase, with 23 originations. The 2nd most popular reason was Refi, with 4 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 28 | $8,320,000 | $297,143 | $2,841 | 6.52% |
| 15 Year | 1 | $235,000 | $235,000 | $2,457 | 6.25% |
For 2023, U.s. Home Mortgage's most frequently cited loan duration was 30 Year, with 28 originations. The 2nd most popular length was 15 Year, with 1 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 18 | $5,430,000 | $301,667 |
| $1k-2k | 8 | $2,320,000 | $290,000 |
| $5k+ | 2 | $650,000 | $325,000 |
| $2k-3k | 1 | $155,000 | $155,000 |
U.s. Home Mortgage's average total fees were $2,841, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 18 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 22 | $6,660,000 | $302,727 |
| 7-8% | 4 | $1,030,000 | $257,500 |
| 5-6% | 3 | $865,000 | $288,333 |
During 2023, U.s. Home Mortgage's average interest rate for loans was 6.52%, while their most frequently originated rate bucket for loans was 6-7%, with 22 originations.
Loan Sizing
2023 saw U.s. Home Mortgage place emphasis on $200k-400k loans with 13 originations, totaling $3,895,000 in origination value.
Applicant Income
U.s. Home Mortgage lent most frequently to those with incomes in the $100k-150k range, with 15 originations. The second most popular income band? $150k-250k, with 5 originations.
Applicant Debt to Income Ratio
U.s. Home Mortgage lent most frequently to those with DTI ratios of 20-30%, with 6 originations. The next most common DTI ratio? <20%, with 4 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 28 | $8,390,000 | $299,643 | $2,860 | 6.50% |
| Asian | 1 | $165,000 | $165,000 | $1,924 | 6.88% |
Approval Rates
Total approvals of all applications100.00%
U.s. Home Mortgage has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination89.66%
U.s. Home Mortgage has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 29 | $8,555,000 | $295,000 |