U.s. Home Mortgage Rates, Fees & Info

LINCOLN, NE

LEI: 549300MNG3C6WSZ0TB17

Tax ID: 30-0359861

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

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • 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

    U.s. Home Mortgage is a smaller mortgage company specializing in Refi and Home Purchase loans. U.s. Home Mortgage has a high proportion of conventional loans. Their top markets by origination volume include: Lincoln, Omaha, Grand Island, North Platte, and Beatrice among others. We have data for 7 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 an above 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.

    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% 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






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from U.s. Home Mortgage. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    162

    Origination Dollar Volume (All Markets)

    $36,030,000
    Show all (7) awards

    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) 100 $24,030,000 $240,300 $1,805 2.76%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 15 $4,185,000 $279,000 $2,704 2.73%
    GRAND ISLAND, NE (FHA|USDA|VA) 21 $3,885,000 $185,000 $2,604 2.83%
    Outside of Metro Areas 21 $3,035,000 $144,524 $2,576 2.83%
    North Platte, NE (FHA|USDA|VA) 2 $600,000 $300,000 $2,401 2.44%
    Beatrice, NE (FHA|USDA|VA) 2 $230,000 $115,000 $1,560 2.50%
    Hastings, NE (FHA|USDA|VA) 1 $65,000 $65,000 $2,930 3.25%
    U.s. Home Mortgage's top markets include Lincoln, Omaha, Grand Island, North Platte, and Beatrice among others.

    Their top states include:
  • Nebraska (FHA|USDA|VA)

    • 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.

    Home Federal Savings & Loan Association of Grand Island
    Similarity Rank: 195
    KELLOGG MIDWEST FEDERAL CREDIT UNION
    Similarity Rank: 322
    MUTUAL FIRST
    Similarity Rank: 484
    Cobalt Credit Union
    Similarity Rank: 490
    U.S. HOME MORTGAGE, INC.
    Similarity Rank: 553
    Five Points Bank
    Similarity Rank: 660
    METRO CU
    Similarity Rank: 720
    Central National Bank
    Similarity Rank: 792
    Equitable Bank
    Similarity Rank: 1005
    CORNHUSKER BANK
    Similarity Rank: 1127

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 154 $34,110,000 $221,494 $2,025 2.78%
    VA 8 $1,920,000 $240,000 $3,593 2.52%

    For 2021, U.s. Home Mortgage's most frequently originated type of loan was Conventional, with 154 originations. Their 2nd most popular type was VA, with 8 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 67 $15,595,000 $232,761 $1,748 2.61%
    Home Purchase 61 $13,625,000 $223,361 $2,413 2.87%
    Cash Out Refi 34 $6,810,000 $200,294 $2,246 2.89%

    For 2021, U.s. Home Mortgage's most frequently cited loan purpose was Refi, with 67 originations. The 2nd most popular reason was Home Purchase, with 61 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 119 $28,475,000 $239,286 $2,233 2.88%
    15 Year 28 $4,690,000 $167,500 $1,710 2.34%
    20 Year 12 $2,540,000 $211,667 $1,831 2.75%
    10 Year 2 $260,000 $130,000 $1,732 2.06%
    Other 1 $65,000 $65,000 $1,677 2.88%

    For 2021, U.s. Home Mortgage's most frequently cited loan duration was 30 Year, with 119 originations. The 2nd most popular length was 15 Year, with 28 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 149 $32,235,000 $216,342
    $1k-2k 8 $1,870,000 $233,750
    $2k-3k 2 $630,000 $315,000
    $5k+ 2 $780,000 $390,000
    $4k-5k 1 $515,000 $515,000

    U.s. Home Mortgage's average total fees were $2,233, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 149 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 90 $21,010,000 $233,444
    <2.5% 42 $8,700,000 $207,143
    3-4% 29 $6,275,000 $216,379
    4-5% 1 $45,000 $45,000

    During 2021, U.s. Home Mortgage's average interest rate for loans was 2.88%, while their most frequently originated rate bucket for loans was 2.5-3%, with 90 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 78 $20,960,000 $268,718 $2,117 2.76%
    $100k-200k 56 $8,410,000 $150,179 $2,025 2.75%
    $100,000 or less 16 $1,120,000 $70,000 $1,826 2.86%
    $400k-600k 12 $5,540,000 $461,667 $2,745 2.76%

    2021 saw U.s. Home Mortgage place emphasis on $200k-400k loans with 78 originations, totaling $20,960,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 39 $6,525,000 $167,308 $2,006 2.76%
    $100k-150k 38 $9,120,000 $240,000 $2,070 2.80%
    $75k-100k 30 $5,680,000 $189,333 $1,935 2.72%
    $150k-250k 28 $8,760,000 $312,857 $2,405 2.71%
    $50k or less 18 $2,410,000 $133,889 $2,272 3.01%
    $250k+ 9 $3,535,000 $392,778 $1,944 2.53%

    U.s. Home Mortgage lent most frequently to those with incomes in the $50k-75k range, with 39 originations. The second most popular income band? $100k-150k, with 38 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 51 $11,345,000 $222,451 $2,114 2.79%
    <20% 36 $8,640,000 $240,000 $2,070 2.62%
    30-36% 24 $5,010,000 $208,750 $2,253 2.82%
    40% 8 $1,580,000 $197,500 $1,769 2.80%
    37% 7 $1,065,000 $152,143 $1,873 2.80%
    36% 6 $1,390,000 $231,667 $1,744 2.96%
    43% 5 $1,455,000 $291,000 $1,737 2.80%
    41% 4 $710,000 $177,500 $1,857 2.69%
    39% 4 $1,020,000 $255,000 $1,876 2.69%
    42% 4 $930,000 $232,500 $1,950 2.88%
    44% 3 $585,000 $195,000 $2,078 2.67%
    48% 3 $665,000 $221,667 $1,667 2.96%
    49% 3 $565,000 $188,333 $1,801 2.88%
    45% 2 $490,000 $245,000 $1,449 2.50%
    38% 1 $345,000 $345,000 $8,904 3.50%
    47% 1 $235,000 $235,000 $6,710 3.50%

    U.s. Home Mortgage lent most frequently to those with DTI ratios of 20-30%, with 51 originations. The next most common DTI ratio? <20%, with 36 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 151 $34,035,000 $225,397 $2,114 2.76%
    Not provided 8 $1,640,000 $205,000 $1,775 2.63%
    Black 2 $210,000 $105,000 $1,493 3.31%
    Asian 1 $145,000 $145,000 $4,314 3.25%

    Approval Rates

    Total approvals of all applications
    95.56%

    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 origination
    96.30%

    U.s. Home Mortgage has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 162 $36,030,000 $222,407

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    162 $36,030,000 $222,407

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 12 $1,490,000 $124,167 $1,719 2.60%
    40-60% 26 $5,020,000 $193,077 $1,703 2.54%
    60-80% 69 $17,835,000 $258,478 $1,977 2.77%
    80-100% 52 $11,260,000 $216,538 $2,456 2.92%
    Over 100% 3 $425,000 $141,667 $3,862 2.67%