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 Home Purchase and Refi loans. U.s. Home Mortgage has a high proportion of conventional loans. Their top markets by origination volume include: Lincoln, Grand Island, Omaha, Kearney, 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 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.

    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

    73

    Origination Dollar Volume (All Markets)

    $17,485,000

    Awards

    U.S. HOME MORTGAGE 30 Year Conventional Loans silver U.S. HOME MORTGAGE 30 Year Conventional Loans silver U.S. HOME MORTGAGE 30 Year Conventional Loans silver U.S. HOME MORTGAGE 30 Year Conventional Loans bronze
    Show all (4) 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) 49 $12,715,000 $259,490 $2,767 4.35%
    GRAND ISLAND, NE (FHA|USDA|VA) 11 $2,045,000 $185,909 $2,481 3.82%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 5 $1,265,000 $253,000 $2,461 4.48%
    Outside of Metro Areas 5 $985,000 $197,000 $2,401 3.70%
    Kearney, NE (FHA|USDA|VA) 1 $205,000 $205,000 $2,397 3.88%
    Beatrice, NE (FHA|USDA|VA) 1 $155,000 $155,000 $3,929 6.00%
    Hastings, NE (FHA|USDA|VA) 1 $115,000 $115,000 $3,336 5.75%
    U.s. Home Mortgage's top markets include Lincoln, Grand Island, Omaha, Kearney, 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: 66
    U.S. HOME MORTGAGE, INC.
    Similarity Rank: 91
    METRO CU
    Similarity Rank: 176
    CENTRIS FEDERAL CREDIT UNION
    Similarity Rank: 279
    Cobalt Credit Union
    Similarity Rank: 330
    First State Bank
    Similarity Rank: 720
    First Nebraska Bank
    Similarity Rank: 836
    Five Points Bank
    Similarity Rank: 864
    Equitable Bank
    Similarity Rank: 867
    LIBERTY FIRST
    Similarity Rank: 1260

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 70 $16,560,000 $236,571 $2,512 4.24%
    VA 3 $925,000 $308,333 $7,022 4.96%

    For 2022, U.s. Home Mortgage's most frequently originated type of loan was Conventional, with 70 originations. Their 2nd most popular type was VA, with 3 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 41 $9,455,000 $230,610 $2,347 4.48%
    Refi 24 $6,440,000 $268,333 $3,368 4.16%
    Cash Out Refi 8 $1,590,000 $198,750 $2,477 3.52%

    For 2022, U.s. Home Mortgage's most frequently cited loan purpose was Home Purchase, with 41 originations. The 2nd most popular reason was Refi, with 24 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 62 $15,420,000 $248,710 $2,809 4.44%
    15 Year 10 $1,890,000 $189,000 $2,124 3.30%
    Other 1 $175,000 $175,000 $1,497 3.50%

    For 2022, U.s. Home Mortgage's most frequently cited loan duration was 30 Year, with 62 originations. The 2nd most popular length was 15 Year, with 10 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 42 $9,840,000 $234,286
    $1k-2k 21 $4,665,000 $222,143
    $2k-3k 4 $890,000 $222,500
    $3k-4k 4 $1,160,000 $290,000
    $4k-5k 1 $285,000 $285,000
    $5k+ 1 $645,000 $645,000

    U.s. Home Mortgage's average total fees were $2,809, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 42 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 25 $5,705,000 $228,200
    5-6% 17 $3,905,000 $229,706
    4-5% 11 $2,205,000 $200,455
    2.5-3% 9 $2,975,000 $330,556
    <2.5% 5 $995,000 $199,000
    6-7% 5 $1,555,000 $311,000
    7-8% 1 $145,000 $145,000

    During 2022, U.s. Home Mortgage's average interest rate for loans was 4.44%, while their most frequently originated rate bucket for loans was 3-4%, with 25 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 35 $9,435,000 $269,571 $2,424 4.27%
    $100k-200k 25 $3,725,000 $149,000 $2,324 4.57%
    $400k-600k 7 $3,275,000 $467,857 $4,844 4.27%
    $100,000 or less 5 $405,000 $81,000 $2,206 3.03%
    $600k-1MM 1 $645,000 $645,000 $8,990 3.00%

    2022 saw U.s. Home Mortgage place emphasis on $200k-400k loans with 35 originations, totaling $9,435,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 18 $4,040,000 $224,444 $3,164 4.08%
    $75k-100k 18 $4,360,000 $242,222 $2,524 4.31%
    $50k-75k 17 $3,385,000 $199,118 $2,434 4.68%
    $150k-250k 11 $4,485,000 $407,727 $3,108 3.94%
    $50k or less 9 $1,215,000 $135,000 $2,103 4.17%

    U.s. Home Mortgage lent most frequently to those with incomes in the $100k-150k range, with 18 originations. The second most popular income band? $75k-100k, with 18 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 19 $3,975,000 $209,211 $2,501 4.46%
    20-30% 16 $4,500,000 $281,250 $2,711 4.27%
    <20% 9 $2,225,000 $247,222 $2,243 4.04%
    37% 5 $1,295,000 $259,000 $6,458 4.45%
    40% 4 $1,000,000 $250,000 $1,779 4.44%
    42% 3 $565,000 $188,333 $1,873 4.46%
    39% 2 $260,000 $130,000 $2,951 4.19%
    36% 2 $720,000 $360,000 $1,723 4.56%
    41% 2 $320,000 $160,000 $2,855 3.13%
    43% 2 $760,000 $380,000 $3,755 2.75%
    49% 2 $470,000 $235,000 $2,677 3.94%
    38% 2 $430,000 $215,000 $1,924 5.06%
    45% 2 $320,000 $160,000 $1,565 4.38%
    47% 2 $440,000 $220,000 $1,738 4.44%
    44% 1 $205,000 $205,000 $2,397 3.88%

    U.s. Home Mortgage lent most frequently to those with DTI ratios of 30-36%, with 19 originations. The next most common DTI ratio? 20-30%, with 16 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 72 $16,840,000 $233,889 $2,609 4.29%
    Not provided 1 $645,000 $645,000 $8,990 3.00%

    Approval Rates

    Total approvals of all applications
    98.81%

    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
    87.67%

    U.s. Home Mortgage has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 73 $17,485,000 $239,521

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    73 $17,485,000 $239,521

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 5 $605,000 $121,000 $1,773 3.95%
    40-60% 11 $2,175,000 $197,727 $2,589 3.83%
    60-80% 23 $5,995,000 $260,652 $2,803 4.24%
    80-100% 33 $8,645,000 $261,970 $2,841 4.51%
    Under 20% 1 $65,000 $65,000 $1,310 3.38%