Independent mortgage intelligence
Understand mortgages. Research lenders. Verify the data.
Ask USMI about mortgages, lenders, public records, rates, calculations, or your next step.
Built from public mortgage data and consumer resources. USMI is not a lender, broker, marketplace, or paid lender-ranking service.
HMDA · CFPB · FFIEC · FDIC · NCUA · NMLS
U.S. Mortgage Index (USMI) is a U.S. public-source mortgage research and verification platform operated by US Mortgage Index LLC.
Explore USMI
How to research a lender with USMI
Use the directory to identify the institution, then read the records and the sources behind them.
- 1
Find the lender
Start with a legal name or a known identifier, then confirm you have the reporting entity.
- 2
Review public records
Open mortgage activity, consumer complaints, locations, and institutional records that USMI has published.
- 3
Verify the sources
Follow each section back to the official dataset, the observed date, and the stated limits.
How USMI builds a lender profile
A profile is a compiled view of public records. It is not an agency publication or a recommendation.
- 1
Organize public records
USMI collects published mortgage, complaint, and institutional records from their official sources.
- 2
Match the reporting entity
Those records are matched to a legal entity. A brand name alone is not treated as the match.
- 3
Show sources and limits
The profile keeps the source trail and says what the records do not establish.
Frequently asked questions
A monthly payment can rise for several loan-specific reasons, including escrow changes for taxes or homeowners insurance, an adjustable rate, the end of a temporary buydown, or a change in mortgage insurance. Check the itemized charges on your statement and ask the servicer if the reason is unclear.
Read the full answer →The interest rate is the yearly cost of borrowing, expressed as a percentage, and does not include fees. The annual percentage rate (APR) is a broader cost measure that includes the interest rate plus points, mortgage-broker fees, and certain other charges. APR is usually higher than the interest rate.
Read the full answer →A Loan Estimate is a standard three-page form you receive after applying for a mortgage. It shows the estimated interest rate, monthly payment, and total closing costs. Receiving the form is not an approval.
Read the full answer →Some mortgage costs can increase between the Loan Estimate and closing, and some cannot. The CFPB groups closing costs into amounts that may rise freely, amounts that may rise by up to 10 percent in total, and amounts that may not rise at all, unless a change in circumstances applies. A locked interest rate can still change if the application changes or the lock expires.
Read the full answer →A prepayment penalty is possible; it depends on the loan type and the written terms. Some loans charge one during the first years, including some adjustable-rate mortgages and some fixed-rate loans. Many states limit the amount or duration, and whether your loan has a penalty must have been disclosed in the loan documents.
Read the full answer →You can check whether a company or person is authorized to make or broker mortgage loans through the Nationwide Multistate Licensing System (NMLS) Consumer Access site. The CFPB also says you can usually check disciplinary orders with your state regulator. U.S. Mortgage Index does not grant, confirm, or publish live license results.
Read the full answer →Published coverage
Counts as of October 29, 2026
- 9,017 institution profiles
- 4,254 banks
- 4,250 credit unions
- 513 mortgage companies
- 123 mortgage FAQs
- 189 glossary concepts