US Mortgage Corporation: 2025 mortgage rates, costs & approvals
How US Mortgage Corporation priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: US MORTGAGE CORPORATION · LEI 54930039IUN6515TBG78
In 2025, US Mortgage Corporation originated 1,362 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 34 states — 357th by volume among the 2,017 lenders profiled here.
It denied 7.0% of completed home-purchase applications (all lenders: 8.5%).
How US Mortgage Corporation priced home-purchase loans
| Purchase loans, 2025 | US Mortgage Corporation | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | — | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.47 pts | +0.13 pts |
| Total loan costs · conventional | $7,330 | $5,570 |
| Total loan costs · FHA | $13,620 | $11,310 |
| Total loan costs · VA | $10,110 | $6,490 |
| Origination charges (all types) | $4,080 | $1,860 |
| Borrowers paying discount points | 72.0% | 51.3% |
| Points paid, when paid (% of loan) | 0.98% | 0.87% |
| Borrowers receiving lender credits | 46.6% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why US Mortgage Corporation denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where US Mortgage Corporation lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Georgia | 487 | 537 | 8.1% | — | $6,810 |
| New York | 266 | 291 | 7.6% | — | $7,390 |
| Texas | 152 | 162 | 3.7% | — | $12,270 |
| Colorado | 136 | 153 | 7.1% | — | $8,350 |
| New Jersey | 99 | 107 | 6.2% | — | $6,430 |
| California | 49 | 50 | 2.2% | — | $8,710 |
| Florida | 37 | 40 | 8.3% | — | $6,490 |
| Kansas | 24 | 24 | — | — | — |
| Arizona | 22 | 22 | — | — | — |
| Illinois | 17 | 18 | — | — | — |
| Ohio | 14 | 15 | — | — | — |
| Pennsylvania | 12 | 15 | — | — | — |
| Louisiana | 8 | 9 | — | — | — |
| Oklahoma | 6 | 8 | — | — | — |
| North Carolina | 4 | 4 | — | — | — |
| Massachusetts | 3 | 5 | — | — | — |
| Connecticut | 3 | 4 | — | — | — |
| South Carolina | 3 | 3 | — | — | — |
| Tennessee | 3 | 3 | — | — | — |
| Alabama | 2 | 2 | — | — | — |
| Maryland | 2 | 2 | — | — | — |
| Nevada | 2 | 2 | — | — | — |
| Oregon | 2 | 2 | — | — | — |
| Idaho | 1 | 1 | — | — | — |
| Indiana | 1 | 1 | — | — | — |
| Missouri | 1 | 1 | — | — | — |
| Nebraska | 1 | 1 | — | — | — |
| South Dakota | 1 | 1 | — | — | — |
| Virginia | 1 | 1 | — | — | — |
| Washington | 1 | 1 | — | — | — |
| West Virginia | 1 | 1 | — | — | — |
| Wyoming | 1 | 1 | — | — | — |
| Mississippi | 0 | 1 | — | — | — |
| Wisconsin | 0 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open US Mortgage Corporation's page for that state.
Counties where US Mortgage Corporation is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Otero County, CO | 10 | 4 | 2.2% |
| Pueblo County, CO | 12 | 47 | 1.8% |
| Evans County, GA | 14 | 1 | 1.7% |
| Barrow County, GA | 19 | 26 | 1.2% |
| Richmond County, NY | 21 | 38 | 1.1% |
| Emanuel County, GA | 19 | 1 | 1.1% |
| Fulton County, NY | 18 | 5 | 1.1% |
| Jack County, TX | 23 | 1 | 1.0% |
| Schenectady County, NY | 18 | 18 | 1.0% |
| Douglas County, GA | 24 | 24 | 1.0% |
| Clayton County, GA | 24 | 30 | 1.0% |
| Salem County, NJ | 24 | 8 | 0.9% |
| Washington County, NY | 23 | 5 | 0.9% |
| Rensselaer County, NY | 22 | 11 | 0.8% |
Check US Mortgage Corporation yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 54930039IUN6515TBG78.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from US Mortgage Corporation with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology