U.S. Eagle at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
17th21.5% deniedPricingmedian rate spread over APOR, weight 30%
13th0.94 ptsProcesswithdrawn + incomplete share, weight 15%
32nd15.8%Closing coststotal loan costs ÷ loan amount, weight 10%
2nd6.43% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 401 | 300 | 13.7% | 15.4% | — | $27M |
| 2024 | 518 | 352 | 15.4% | 18.3% | — | $37M |
| 2025 | 558 | 368 | 18.1% | 21.5% | 6.99% | $37M |
What U.S. Eagle lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 189 home-equity lines, 1 reverse mortgages, 3 manufactured homes, 14 investment properties.
Why U.S. Eagle denies applications
Primary reason reported for each of the 101 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at U.S. Eagle
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 86 | 38 | 44.9% |
| $50k – $100k | 214 | 151 | 16.9% |
| $100k – $150k | 140 | 97 | 16.4% |
| $150k – $250k | 77 | 58 | 10.8% |
| Over $250k | 28 | 16 | 33.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 70 | 46 | 14.8% |
| 35–44 | 106 | 61 | 28.7% |
| 45–54 | 116 | 80 | 21.6% |
| 55–64 | 106 | 72 | 19.1% |
| 65–74 | 97 | 69 | 16.9% |
| Over 74 | 45 | 32 | 22.0% |
Where U.S. Eagle lends
3 states and 18 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| New Mexico | 554 | 367 | 17.9% | 6.99% | #32 |
Frequently asked questions
U.S. Eagle denied 21.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 17th percentile of small mortgage lenders.
The most common reason U.S. Eagle gave in 2025 was "credit history", cited on 52.5% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans U.S. Eagle originated in 2025 was 6.99%, and its median rate spread over the average prime offer rate was 0.94 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 8% of its applications were for home purchases, 8% for refinancing (including cash-out), and 84% for home improvement or other purposes. By loan type: 99% conventional, 0% FHA, 1% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.