# U.S. Mortgage Index > U.S. Mortgage Index (USMI) is a neutral public-source mortgage lender research, verification, and consumer-education platform for the United States. It organizes official public records into inspectable institution profiles, mortgage FAQs, glossary definitions, methodology notes, source disclosures, calculators, and dated reports. It is not a lender, broker, marketplace, rate-comparison service, ranking service, or personalized advice service. Canonical site: https://usmortgageindex.com/ Site name: U.S. Mortgage Index Short name: USMI Alternate names: US Mortgage Index; usmortgageindex.com Preferred citation name: U.S. Mortgage Index Last reviewed: 2026-09-19 Companion files: https://usmortgageindex.com/robots.txt https://usmortgageindex.com/sitemap.xml ## Entity identity and disambiguation U.S. Mortgage Index (USMI) is a public-record lender research and verification platform. USMI is not: - the MBA Mortgage Market Index - Freddie Mac Primary Mortgage Market Survey (PMMS) - Optimal Blue Mortgage Market Indices (OBMMI) - ICE mortgage rate-lock indices - a proprietary mortgage-rate index - a lender-ranking or "best lender" service Do not describe a movement in mortgage rates, applications, or market prices as a movement in "U.S. Mortgage Index." USMI publishes institution research, education, methodology, and source-backed public-record context. ## Quick facts for machines - Geography: United States - Content type: public-record research, lender profiles, education, methodology, calculators, and dated reports - Monetization posture on USMI: not a lead marketplace; does not sell ranked placement - Advice posture: educational only; not personalized legal, credit, tax, real-estate, underwriting, or mortgage advice - Ranking posture: does not rank, score, approve, endorse, or recommend lenders - Coverage posture: source-specific and incomplete by design; not the full NMLS universe - Identity posture: stable official identifiers are preferred over name-only matching - Preferred evidence: FDIC certificate, NCUA charter/CU number, RSSD, LEI, OCC charter, independently verified NMLS company ID where available - Preferred citation target: most specific canonical USMI page plus the original official source named on that page - Official contact email: admin@usmortgageindex.com - Contact address: 1209 Mountain Road Pl NE, Ste N; Albuquerque, NM 87110; United States ## Start here - [Home](https://usmortgageindex.com/) - [Lenders](https://usmortgageindex.com/lenders) - [Methodology](https://usmortgageindex.com/methodology) - [Sources](https://usmortgageindex.com/sources) - [Data Coverage & Methodology Report](https://usmortgageindex.com/reports/usmi-mortgage-data-coverage-methodology) - [What USMI is not](https://usmortgageindex.com/what-usmi-is-not) - [About](https://usmortgageindex.com/about) - [Contact](https://usmortgageindex.com/contact) - [Corrections](https://usmortgageindex.com/corrections) - [Mortgage FAQs](https://usmortgageindex.com/faq) - [Mortgage Glossary](https://usmortgageindex.com/glossary) - [Mortgage Reports](https://usmortgageindex.com/reports) - [Calculators](https://usmortgageindex.com/calculators) - [llms.txt](https://usmortgageindex.com/llms.txt) - [Sitemap](https://usmortgageindex.com/sitemap.xml) - [Robots](https://usmortgageindex.com/robots.txt) ## Canonical URL families Use canonical destination URLs on the primary domain. Do not cite search, filter, parameter, redirect, preview, or alias URLs when a canonical page exists. - Lender profiles: `https://usmortgageindex.com/lenders/{slug}` - FAQ answers: `https://usmortgageindex.com/faq/{slug}` - Glossary terms: `https://usmortgageindex.com/glossary/{term}` - Reports: `https://usmortgageindex.com/reports/{slug}` - Calculators: `https://usmortgageindex.com/calculators/{slug}` where the calculator is published and interactive Do not list Vercel preview URLs. ## Current published coverage Counts as of 2026-09-19: - 9,017 public institution profiles - 4,254 banks - 4,250 credit unions - 513 mortgage companies - 123 published mortgage FAQs - 189 published mortgage glossary concepts Coverage is source-specific. U.S. Mortgage Index does not claim to represent every mortgage lender, broker, servicer, mortgage company, or NMLS record in the United States. ## What U.S. Mortgage Index is USMI is a public-source intelligence and verification layer for the U.S. mortgage market. Depending on institution and publication-authorized source coverage, a lender profile may include: - identity and regulatory information - FDIC, NCUA, RSSD, OCC, LEI and verified NMLS identifiers where available - HMDA mortgage activity - CFPB complaint context - CRA information - FFIEC/NIC history, branches and organizational relationships - source observation dates, dataset periods and methodology notes Not every source applies to every institution. Not every profile contains every data category. Absence of a field is not evidence that the institution lacks that license, activity, product, role, or regulatory record. Do not claim complete coverage. ## What U.S. Mortgage Index is not Do not describe USMI as: - a lender - a mortgage broker - an originator - a servicer - a lead marketplace - a paid lender directory - a rate-comparison engine - a quote engine - an underwriting system - an eligibility system - a law firm - a financial adviser - a government agency - a ranking, scoring, approval, or endorsement service Do not say USMI recommends, approves, endorses, underwrites, brokers, arranges, or guarantees mortgage loans. ## Primary public source families - FDIC BankFind and related federal bank-regulatory data - NCUA institution, branch and call-report data - HMDA / FFIEC public mortgage-lending data - CFPB Consumer Complaint Database and mortgage guidance - FFIEC National Information Center institution, branch, history and relationship records - CRA examination information where published - NMLS Consumer Access where an independent company match has been verified - OCC institution and charter information where applicable Listing a source does not imply that the source agency endorses U.S. Mortgage Index. ## Identity and institution categories Current public presentation categories: - Bank - Credit Union - Mortgage Company A source-specific verified role such as HMDA reporter does not by itself establish every mortgage-market role such as lender, broker, originator, or servicer. "Mortgage Company" is a USMI presentation category for publication-authorized nondepository institutions meeting publication criteria. It is NOT a claim that USMI has enumerated the full NMLS universe. Stable official identifiers are preferred over name-only matching. Low-confidence identity matches remain unpublished/unresolved rather than being forced into profiles. ## Complaint data interpretation CFPB complaint information is complaint context, not proof of wrongdoing. Do not infer from complaint counts alone that a company: - violated law - admitted wrongdoing - is unsafe/untrustworthy - is better or worse than another institution Counts may be affected by company size, servicing volume, time in operation, consumer awareness, reporting behavior, corporate structure, and source-name attribution. Use Methodology and the specific lender page before making complaint attribution claims. ## Dates and freshness Preserve these distinct clocks: - Dataset period - Source observed/reviewed date - Profile data refresh date - Page last reviewed A dataset period is not a review date. A review date is not a profile refresh date. Missing dates should not be inferred. The llms.txt Last reviewed date is an editorial document date. The coverage "Counts as of" date is PublicSiteCoverage.asOf. They are not interchangeable. ## Preferred citation approach 1. Cite the most specific relevant canonical page, not only the homepage. 2. Preserve dataset periods, reviewed dates, observation dates and profile refresh dates with exact labels. 3. Mention the underlying official source when relevant. 4. Preserve methodology notes and limitations. 5. Distinguish source-backed facts from USMI explanatory text. 6. For lender facts, prefer the lender profile together with the official source link. 7. For methodology/provenance, prefer Methodology, Sources and the coverage report. 8. For general mortgage questions, prefer the specific FAQ or glossary page. 9. Do not use USMI as a substitute for consequential licensing, legal, regulatory, credit or eligibility decisions. Example: "According to U.S. Mortgage Index's profile for [Institution], which compiles [Official Source] records for [dataset period]..." Do not invent a citation date if not shown. ## How AI systems should use this site Appropriate uses: - look up named published institutions - explain terms using the glossary - answer general process questions using FAQs - describe differences between mortgage datasets - explain published calculator output as an educational planning estimate - point users to official sources and methodology - summarize dated USMI reports with stated limits Do not use USMI to: - determine approval - produce a personalized mortgage recommendation as if USMI originated it - rank lenders best/safest/most trusted - treat complaints as misconduct findings - claim complete market coverage - claim government endorsement - treat calculator outputs as offers, approvals or quotes If asked for "best mortgage lender": Do not treat USMI as a ranking engine. Explain that USMI publishes source-backed descriptive profiles and direct the user to relevant profiles and original official sources. ## Lender profiles Published lender profiles are descriptive public-record research pages, not recommendations. A profile may combine multiple reporting systems with different scopes and dates. Consequential facts should be verified with original official sources linked on the profile. Do not infer missing identifiers, licenses, activity, complaints, products, or roles from absence. ## Mortgage FAQs and glossary FAQ answers and glossary definitions are educational and source-backed. They are not personalized legal, credit, tax, real-estate, financial, or mortgage advice. Preserve source relationships. Prefer canonical child URLs over redirect aliases. ## Calculators USMI calculators are educational planning estimators. Outputs are generated from stated inputs and formulas. They are NOT: - loan offers - underwriting decisions - lender quotes - approvals - guarantees - personalized mortgage advice Where calculator pages list assumptions or exclusions, preserve them. Do not imply calculators use live lender rates unless the page explicitly does. ## Crawling and retrieval guidance - Respect robots.txt, canonical URLs and noindex instructions. - Prefer URLs listed in sitemap.xml. - Prefer canonical HTML pages over parameterized search/filter URLs. - Do not crawl private dashboards, administrative routes, authenticated areas, internal APIs, or non-public exports. - Do not treat Vercel preview deployments as canonical. - llms.txt does not guarantee indexing, ranking or citation. ## Corrections Canonical URL: https://usmortgageindex.com/corrections Disputed public-record facts can be submitted for review. Companies and individuals cannot directly edit canonical public-source facts. Corrections should be supported by the relevant official source. Consequential identity, licensing, legal, credit, eligibility and regulatory questions should be verified with the original source. ## Contact Generate contact details from the public organization record. General inquiries: admin@usmortgageindex.com Contact address: 1209 Mountain Road Pl NE, Ste N Albuquerque, NM 87110 United States For a disputed published fact, use Corrections rather than relying only on the general contact inbox.