US Mortgage Resolution

What US Mortgage Resolution does

US Mortgage Resolution LLC is a privately held, Pennsylvania-domiciled special servicer that purchases portfolios of non-performing residential mortgage loans and works directly with the underlying borrowers to achieve resolution. Founded in 2010 and operating from a single office in Wayne, PA with 1–10 employees, the company positions itself as the legal holder and owner of the loan — not a third-party servicer, counseling agency, or collection agent — and routes all borrower interactions through a proprietary web portal at usmresolution.com. Resolution pathways advertised to homeowners include loan modifications, repayment plans, forbearance agreements, discounted payoffs, settlements, short sales, and deeds in lieu of foreclosure.

The technology stack is a self-service borrower portal with structured identity verification (last-four SSN, HMAC-hashed lookup tokens, AES-256 at-rest encryption, HTTPS/TLS in transit, role-based access controls, and MFA for all accounts). The portal enables loan search by number, name, or address; account creation; case-status tracking; and asynchronous communication with dedicated resolution advisors. Phone (484-498-8256) and email channels supplement the portal for borrowers who prefer assisted servicing. The company is RMAi Certified (#C2402-1182) and employs a Certified Receivables Compliance Professional (Gretchen Frascella, #P2002-1348, certified 2020).

The business model is direct-to-consumer NPL resolution: USMR acquires delinquent mortgage notes from originating or interim holders at a discount, then generates revenue by recovering value through performing re-defaults on modified loans, lump-sum discounted payoffs, settlements, or full payoffs. Borrower-facing services are free; the company monetizes only the spread between acquisition price and ultimate recovery. Marketing and acquisition is largely automated via direct-mail notices triggered by loan transfer, supplemented by organic search, phone, and testimonial-driven content marketing. Cumulative outcomes disclosed on the company website include 1,000+ families assisted and $50M+ in debt resolved.

Name

US Mortgage Resolution

Legal name

US Mortgage Resolution LLC

Website

https://usmresolution.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

1–10 employees

Short description

US Mortgage Resolution LLC purchases non-performing US residential mortgage loans and works directly with delinquent homeowners via a web portal to deliver loan modifications, settlements, discounted payoffs, or short sales. It is RMAi Certified and operates from Wayne, PA.

Ownership category

akta.pro rank

Product category

Non-Performing Mortgage Resolution Services

NAICS

Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Loss Mitigation & Home Retention Servicing (Modifications/Forbearance/Repayment Plans) (FSALAEAG)

Keywords

• Non-performing loan resolution
• Residential mortgage servicing
• Loan modification services
• Distressed debt resolution
• Borrower portal solutions

Headquarters

HQ city

Wayne

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Supply Chain, Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Non-Performing Loan Resolution: US Mortgage Resolution purchases non-performing residential mortgage loans and generates revenue by working with borrowers to resolve these loans. Revenue is derived from successful loan modifications (ongoing payments), discounted payoffs (lump sum settlements), and full payoff resolutions. The company acts as the loan holder and owner, not a servicer or third-party collector.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

US Mortgage Resolution purchases non-performing residential mortgage loans directly from prior lenders or servicers and acts as the legal holder of those loans. The company works directly with homeowners to resolve defaulted mortgages through loan modifications, repayment plans, discounted payoffs, settlements, short sales, or deeds in lieu of foreclosure. All borrower interactions occur through a free, secure web-based portal supplemented by phone and email support, with dedicated resolution advisors guiding each homeowner through options tailored to their financial situation.

Product overview

US Mortgage Resolution operates a single unified borrower portal platform for homeowners with non-performing residential mortgage loans. The platform enables loan search and identity verification, then connects borrowers with dedicated resolution advisors who guide them through available options including loan modifications, repayment plans, discounted payoffs, settlements, short sales, and deeds in lieu of foreclosure. The Borrower Portal serves as the primary interface for all borrower interactions with the company.

Differentiator

Problem solved

Functional benefit

Products and services

• Borrower Portal

Quantifiable outcome

• Over 1,000 families helped find resolution for non-performing mortgages
• +2 more outcomes

Named customers6 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Scale indicators3 records

Recent moves4 records

Expansion highlights3 records

Broad incumbents

• NewRez (formerly New Penn Financial): Residential mortgage lender and servicer with significant non-performing loan servicing and capital solutions business. Comparable for engaging NPL borrowers through modification and resolution programs.
• Caliber Home Loans: Residential mortgage originator and servicer with a dedicated non-performing loan servicing platform. Comparable for NPL workout capability, though its primary business is origination of new purchase mortgages.
• Mr. Cooper (Nationstar Mortgage): One of the largest U.S. non-bank mortgage servicers and active participant in the non-performing loan (NPL) resolution market. Comparable because it acquires and works out distressed residential mortgages, though it operates at vastly greater scale and also services performing loans.
• Bayview Asset Management: Investment manager focused on mortgage and consumer credit, owning and acquiring distressed residential mortgage portfolios. Comparable as an NPL acquirer and workout operator, though at much larger scale and primarily through funds.
• Ocwen Financial Corporation: Specialty mortgage servicer with substantial non-performing loan portfolio and direct-to-borrower resolution operations. Comparable for its loss mitigation, modification, and NPL workout activities on residential mortgages, though it also services performing portfolios.
• Pretium Partners: Large institutional buyer of non-performing residential mortgage portfolios and operator of mortgage-related finance businesses. Comparable as a capital partner in the same NPL acquisition market, though Pretium operates at much larger scale and primarily as a fund manager.

Direct peers

• Rushmore Loan Management Services: Specialty mortgage servicer specializing in non-performing and re-performing residential loans with borrowers in distressed situations. Directly comparable given shared focus on NPL portfolios, loss mitigation, and resolution-based business model.
• Select Portfolio Servicing (SPS): Specialty residential mortgage servicer focused on non-performing and re-performing loans, owned by global asset managers. Comparable for owning or servicing NPLs and executing loss mitigation, modifications, and borrower outreach at scale.
• Carrington Mortgage Services: Specialty residential mortgage servicer that purchases, services, and resolves non-performing loans, with dedicated loss mitigation teams for distressed borrowers. Closely comparable business model—owning NPLs and driving borrower-level resolution outcomes.
• Specialized Loan Servicing (SLS): Specialty mortgage servicer focused on non-performing and re-performing residential loans with extensive loss mitigation operations. Closely comparable to USMR's model of collecting and resolving defaulted residential mortgages.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/usmresolution

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about US Mortgage Resolution