U.s. Home Mortgage Rates, Fees & Info

LINCOLN, NE

LEI: 549300MNG3C6WSZ0TB17

Tax ID: 30-0359861

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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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 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 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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    Originations

    29

    Origination Dollar Volume (All Markets)

    $8,555,000

    Awards

    U.S. HOME MORTGAGE 30 Year Conventional Loans silver U.S. HOME MORTGAGE 30 Year Conventional Loans silver
    Show all (2) awards

    Top Markets

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    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%
    U.s. Home Mortgage's top markets include Lincoln, Omaha, and Grand Island 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: 48
    METRO CU
    Similarity Rank: 56
    U.S. HOME MORTGAGE, INC.
    Similarity Rank: 72
    South Metro Federal Credit Union
    Similarity Rank: 75
    Cobalt Credit Union
    Similarity Rank: 192
    LIBERTY FIRST
    Similarity Rank: 225
    FOUR POINTS
    Similarity Rank: 240
    CENTRIS FEDERAL CREDIT UNION
    Similarity Rank: 243
    Security First Bank
    Similarity Rank: 260
    First State Bank
    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

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 23 $6,585,000 $286,304 $2,937 6.45%
    Refi 4 $1,250,000 $312,500 $2,388 6.88%
    Cash Out Refi 2 $720,000 $360,000 $2,454 6.50%

    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

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 13 $3,895,000 $299,615 $3,339 6.58%
    $100k-200k 9 $1,585,000 $176,111 $2,508 6.54%
    $400k-600k 7 $3,075,000 $439,286 $2,293 6.34%

    2023 saw U.s. Home Mortgage place emphasis on $200k-400k loans with 13 originations, totaling $3,895,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 15 $4,815,000 $321,000 $3,261 6.57%
    $150k-250k 5 $1,725,000 $345,000 $1,969 6.60%
    $50k-75k 4 $780,000 $195,000 $3,110 6.53%
    $75k-100k 4 $1,060,000 $265,000 $2,178 6.19%
    $50k or less 1 $175,000 $175,000 $2,103 6.38%

    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

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 6 $1,940,000 $323,333 $2,137 6.44%
    <20% 4 $820,000 $205,000 $2,694 6.72%
    30-36% 4 $1,260,000 $315,000 $3,251 7.00%
    36% 3 $1,015,000 $338,333 $1,955 6.67%
    43% 2 $730,000 $365,000 $8,079 5.69%
    37% 2 $370,000 $185,000 $1,931 6.63%
    38% 2 $390,000 $195,000 $3,363 6.38%
    >60% 1 $425,000 $425,000 $3,008 6.13%
    39% 1 $235,000 $235,000 $2,457 6.25%
    40% 1 $455,000 $455,000 $1,839 6.13%
    41% 1 $175,000 $175,000 $1,846 6.75%
    42% 1 $285,000 $285,000 $1,766 6.13%
    44% 1 $455,000 $455,000 $1,894 6.50%

    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 applications
    100.00%

    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 origination
    89.66%

    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

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    29 $8,555,000 $295,000

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1 $235,000 $235,000 $2,457 6.25%
    40-60% 4 $1,070,000 $267,500 $2,257 6.66%
    60-80% 12 $3,640,000 $303,333 $3,532 6.45%
    80-100% 12 $3,610,000 $300,833 $2,346 6.54%