US Mortgage Corporation
We analyzed every closed loan from US Mortgage Corporation — 1.5k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · USDA
Place
Sound
3/5
Near-National · 20 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
What They Do Well
- Particularly strong in Conventional and FHA and VA and USDA loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 65 basis points above market average
Explore another lender or local market
Report Card
US Mortgage Corporation performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+65.4 bps above market avg
1/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
878 loans · 0.52% above market
Strong
Top 40% of lenders
4/5
FHA
555 loans · 0.95% above market
Strong
Top 40% of lenders
4/5
VA
74 loans · 0.05% above market
Strong
Top 40% of lenders
4/5
USDA
18 loans · 0.43% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
1,329 loans · 0.68% above market
Strong
Top 40% of lenders
4/5
Refinance
204 loans · 0.45% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Near-National · 21 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 878 | 57.3% | +0.522%Above | $3,640Fees | ||||
FHA Loans | 555 | 36.2% | +0.953%Above | $4,075Fees | ||||
VA Loans | 74 | 4.8% | +0.047%Above | $3,133Fees | ||||
USDA Loans | — | 18 | 1.2% | +0.429%Above | $2,255Fees |
Conventional
OverallAcceptable
ProductStrong
PricingMediocre
Pull ThroughSound
Volume878
Mix57.3%
Spread
+0.522%Above
Fees
$3,640Fees
FHA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume555
Mix36.2%
Spread
+0.953%Above
Fees
$4,075Fees
VA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume74
Mix4.8%
Spread
+0.047%Above
Fees
$3,133Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume18
Mix1.2%
Spread
+0.429%Above
Fees
$2,255Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,329 | 86.7% | +0.680%Above | $3,779Fees | ||||
Refinance | 204 | 13.3% | +0.445%Above | $3,659Fees |
Purchase
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume1,329
Mix86.7%
Spread
+0.680%Above
Fees
$3,779Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughAcceptable
Volume204
Mix13.3%
Spread
+0.445%Above
Fees
$3,659Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,533
Applications
2,420
Volume
$482 million
Pricing & Closing
Avg Rate Spread
+0.654%
vs. market APOR
Avg Net Fees
$3,766
Origination − Credits
Pullthrough Rate
63.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$314,961
Avg Borrower Income
$119,773
Avg Property Value
$387,531
Geographic Coverage
Geographic Performance
Metro Areas
20
markets with activity
States Served
33
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
33Full-year 2024 · HMDALoans originated
< 1010–2020–5050–100100+None
Northeast8
CTMANHNJNYPARIVT
Midwest8
IAILINKSMIMONEOH
South13
ALARDEFLGALAMDNCOKSCTNTXVA
West4
AZCACOOR
Top Metro Areas by Place Specialization Score
Showing 10 of 20 metro areas
Top States by Place Specialization Score
Showing 10 of 19 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.