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 and Refi loans. U.s. Home Mortgage has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Lincoln, Omaha, Grand Island, and Beatrice among others. We have data for 5 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 about average 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.57% | 12/16/24 |
| 30 Year Conventional Refi | 6.63% | 12/16/24 |
| 30 Year Cash-out Refi | 6.73% | 12/16/24 |
| 30 Year VA Purchase | 6.04% | 12/16/24 |
| 30 Year VA Refi | 6.15% | 12/16/24 |
| 15 Year Conventional Purchase | 5.94% | 12/16/24 |
| 15 Year Conventional Refi | 6.18% | 12/16/24 |
| 15 Year Cash-out Refi | 6.18% | 12/16/24 |
| 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
104Origination Dollar Volume (All Markets)
$21,460,000Awards
U.S. HOME MORTGAGE - 2019
U.S. HOME MORTGAGE is a 2019 , due to their low .
For 2019, less than of lenders were eligible for this award.
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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) | 72 | $16,520,000 | $229,444 | $2,433 | 4.05% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 6 | $1,660,000 | $276,667 | $1,754 | 3.96% |
| Outside of Metro Areas | 12 | $1,620,000 | $135,000 | $2,937 | 4.09% |
| GRAND ISLAND, NE (FHA|USDA|VA) | 12 | $1,350,000 | $112,500 | $2,308 | 4.04% |
| Beatrice, NE (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $2,977 | 4.43% |
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: 40
Similarity Rank: 110
Similarity Rank: 276
Similarity Rank: 351
Similarity Rank: 363
Similarity Rank: 582
Similarity Rank: 615
Similarity Rank: 644
Similarity Rank: 846
Similarity Rank: 1311
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 93 | $18,965,000 | $203,925 | $2,098 | 4.10% |
| VA | 6 | $1,470,000 | $245,000 | $6,853 | 3.77% |
| FHA | 5 | $1,025,000 | $205,000 | $5,516 | 3.63% |
For 2019, U.s. Home Mortgage's most frequently originated type of loan was Conventional, with 93 originations. Their 2nd most popular type was VA, with 6 originations.
Loan Reason
For 2019, U.s. Home Mortgage's most frequently cited loan purpose was Home Purchase, with 56 originations. The 2nd most popular reason was Refi, with 33 originations.
Loan Duration/Length
For 2019, U.s. Home Mortgage's most frequently cited loan duration was 30 Year, with 92 originations. The 2nd most popular length was 15 Year, with 7 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 90 | $17,870,000 | $198,556 |
| $1k-2k | 5 | $1,305,000 | $261,000 |
| $2k-3k | 2 | $470,000 | $235,000 |
| $3k-4k | 1 | $305,000 | $305,000 |
U.s. Home Mortgage's average total fees were $2,510, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 90 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 59 | $13,185,000 | $223,475 |
| 4-5% | 40 | $7,120,000 | $178,000 |
| 5-6% | 5 | $1,155,000 | $231,000 |
During 2019, U.s. Home Mortgage's average interest rate for loans was 4.08%, while their most frequently originated rate bucket for loans was 3-4%, with 59 originations.
Loan Sizing
2019 saw U.s. Home Mortgage place emphasis on $200k-400k loans with 46 originations, totaling $12,780,000 in origination value.
Applicant Income
U.s. Home Mortgage lent most frequently to those with incomes in the $100k-150k range, with 31 originations. The second most popular income band? $50k-75k, with 24 originations.
Applicant Debt to Income Ratio
U.s. Home Mortgage lent most frequently to those with DTI ratios of 20-30%, with 30 originations. The next most common DTI ratio? 30-36%, with 30 originations.
Ethnicity Mix
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 origination83.65%
U.s. Home Mortgage has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 104 | $21,460,000 | $206,346 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 104 | $21,460,000 | $206,346 |