Applications / Mortgage Analytics / Lenders / New York / US Mortgage
Huntington, NY · Independent non-bank lender · CFPB · 1,504 loans in 2025
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1,504
loans originated, 2025
2,090
applications, 2025
34
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
US Mortgage is a New York-based purchase lender whose main state is Georgia, and its loans fell 12% in 2025 while similar lenders grew.
Purchases made up 88.8% of its loans, which reach 34 states and 117 metros. Georgia is its main state, and Atlanta its largest market, where it ranks 84 of 892. Loans insured by the Federal Housing Administration (FHA) were 32.0% of its total, against 22.9% at similar lenders (independent non-bank lenders making between half and twice as many loans).
Its loans fell 12% to 1,504, while similar lenders' rose 5% and the whole market 10%. Yet its lending in dollars rose to $554.4 million from $510.1 million, as its typical loan grew from $275,000 to $325,000.
Low- and moderate-income (LMI) neighborhoods took 27.4% of its loans, against 19.1% at similar lenders, more than at about five in six. LMI borrowers took 35.6% and majority-minority neighborhoods 40.9%, both higher than at about three-quarters of peers. Its FHA lending fits that pattern.
It entered Pueblo, Colorado, in 2025 and ranked 15 of 264 lenders there in its first year, with 1.3% of lending. United Wholesale Mortgage leads that market. In Denver its share held at 0.1%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. US Mortgage took 2,090 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 88.8% · Refinance 11.2%
Conventional 63.8% · FHA 32.0% · VA 3.9% · USDA (RHS or FSA) 0.3% · of 1,504 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Georgia | 517 | 34.4% |
| New York | 292 | 19.4% |
| Texas | 167 | 11.1% |
| Colorado | 153 | 10.2% |
| New Jersey | 103 | 6.8% |
| California | 52 | 3.5% |
| Florida | 47 | 3.1% |
| Kansas | 32 | 2.1% |
| Arizona | 31 | 2.1% |
| Illinois | 17 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Atlanta-Sandy Springs-Roswell | 315 |
| Marietta | 119 |
| Nassau County-Suffolk County | 117 |
| New York-Jersey City-White Plains | 99 |
| Dallas-Plano-Irving | 79 |
| Denver-Aurora-Centennial | 76 |
| Albany-Schenectady-Troy | 62 |
| Pueblo | 54 |
| Fort Worth-Arlington-Grapevine | 52 |
| Camden | 47 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930039IUN6515TBG78 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3881693 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7113198028 | |
| Respondent ID (the HMDA filer code before 2018) | 71017200002 | 2000–2005 |
Established 17 February 1994. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: US Mortgage's data.
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