We don’t hire employees, we hire owners. What does that mean? It means we strive to make sure every voice, every idea is heard and cultivated to create a dynamic, ever-evolving culture. Our workforce is empowered to bring their creativity and entrepreneurial spirit to the table. It also means that when we’re financially successful, our employee-owners profit. We’re also committed to hiring the best -- as evidenced by our rapid growth.
Work Hard
Our Growth
More about our ESOP
Learn More
4.5
USA Mortgage is
100% employee-owned
(and employee-loved!)
Don’t just join us,
own us
Our culture
What makes USA Mortgage different?
Our culture
$1B
Work Hard
Share Hard
Give Hard
Reward Hard
Find out more
2018
2023
Glassdoor rating
At USA Mortgage, we want our employee-owners to be happy, healthy and debt-free! Our unique benefits help our workforce achieve mental and financial health.
Our benefits
Employee Stock Ownership Program (ESOP)
ESOPs are qualified retirement plans regulated by the Federal Government. As part owners, our employees get a portion of USA Mortgage profits based on their income. Unlike other ESOPs, USA Mortgage provides both employee stock ownership as well as traditional 401(K) plans. You invest nothing, and still reap the financial benefits!
Employee Stock Ownership Program (ESOP)
Our benefits
Sales team support
Testimonials
Get in touch
401(K)
Retirement Plan
Health
Insurance
Student Loan Reimbursement
Life Insurance, Supplemental Life Insurance and AD&D
Flexible
Spending Account
Short-Term
Disability
Play Hard
Play Hard
What’s life without a little fun? Whether it’s a social outing, team-building event, USA Mortgage athletics, or a giveaway, we try our hardest to show our co-owners how much we value them.
Give Hard
That makes working here very unique. At USA Mortgage, you don’t have co-workers, you have co-owners, and they have a vested interest in your success and work tirelessly to support your efforts. ESOPs are similar to a profit sharing plan, except it is designed to invest primarily in company stock.
Share Hard
Our top-performing loan officers qualify for our exclusive Circle of Excellence. The best of the best are rewarded with a getaway to a surprise luxury resort location for you and a guest!
Diamond & platinum club
Reward Hard
Experience rating
4.9
Best Mortgage
Companies to Work For
National Mortgage News
2022
America's Greatest
Workplaces
Newsweek
2023
Top Workplaces
The St. Louis
Post Dispatch
2018-2022
Patriotic Employer Award, Pro Partia Award, Above and Beyond Award
Employer Support of the Guard and Reserve (ESGR)
Best Places to work
St. Louis
Business Journal
2014-2022
and 2024
Patriotic Employer Award, Pro Partia Award,
Above and Beyond Award
Employer Support of the Guard and Reserve (ESGR)
Sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna.
270K
USA Mortgage is a 100% employee-owned ESOP
Get in touch!
Employee Stock Ownership Program (ESOP)
DAS Gives is an employee-driven program that supports charities near and dear to our employees’ hearts. Since the program’s inception in 2018, our employees have volunteered hundreds of hours and helped to raise hundreds of thousands of dollars for dozens of local charities through fundraising and donations.
Through several rewards-initiatives, top performing employee-owners can win cash prizes, all-expense paid getaways, and more.
In this golf-themed competition, loan officers with the highest SocialSurvey reviews can win a cash prize or an all-expense-paid trip!
DAS Majors
Each month, 10 loan officers will get their marketing and technology fees paid for.
Technology
competition
2018
2023
$2B
+
Employee Stock Ownership Program (ESOP)
401(K)
Retirement Plan
You can enroll in the 401(K) plan and have a percentage of your payroll automatically deducted. USA Mortgage matches part of your contribution. Our company match is available to all employees, including sales!
Employee Stock Ownership Program (ESOP)
Health
Insurance
A comprehensive package which includes full medical (with two options to choose from), dental and vision.
Employee Stock Ownership Program (ESOP)
Student Loan
Reimbursement
USA Mortgage believes in the power of education. That’s why we offer the Student Loan Reimbursement Program, which offers up to $10,000 in student loan reimbursements once you are with the company 5 years.
Employee Stock Ownership Program (ESOP)
Life Insurance, Supplemental Life Insurance and AD&D
All USA Mortgage employees are provided with a life insurance policy. In addition to the policy that is provided, employees may elect to supplement their life insurance with a supplemental policy.
Employee Stock Ownership Program (ESOP)
Flexible
Spending Account
Employees may elect to payroll deduct on a pretax basis up to $1,500.00 annually for out of pocket medical expenses and $5,000.00 for Dependent care.
Employee Stock Ownership Program (ESOP)
Short Term
Disability
USA Mortgage through CHUBB offers the ability to choose valuable supplement benefits that meet your needs. The convenience of premium payments through payroll deduction and the ability to take most coverage’s with you is available if you change jobs or retire.
Sales Team Support
Discover some of the rockstars that make USA Mortgage special
Want to learn more about the advantages of working for an employee-owned company?
Marketing
Our award-winning marketing team is not your average marketing team. We love developing top-notch marketing materials, and we’re pretty good at it, too.
Your Marketing Team
Your Technology
More Support Tools
Meet the team!
Meet Chelsea
Chelsea Vonder Haar
If our marketing department was a rock band (and it would top the charts), Chelsea Vonder Haar would be our lead singer. As Marketing Manager, she is always on the forefront of cutting-edge technology and marketing trends to provide our loan officers the best advertising available.
Social Media
Meet Emily Miller, our resident social media whiz! Not only does she manage our corporate social media, she also manages our mortgage bankers' social media accounts and creates custom content for their pages.
Video
Meet Doug Hoffmann and Tom Boyer, our videographers. Doug creates amazing, personalized videos for our loan officers (at no cost), that allow them to stand out to their clients and share what makes them unique. Jakob handles our REALTOR videos Our fully functioning video studio offers professional lighting, cameras, audio, green screen, and much more. They’ll even make an animated video for the camera-shy.
Training Expert
Erin is our expert in training -- she is on tap to help our mortgage bankers learn all things marketing, from ordering print pieces, to creating a single-property site! She is also available for meetings with your real estate agents and other co-marketing partners to better verse them in all the ways we can help with their marketing!
What makes us special
The bottom line is… you’ve never seen a marketing department like this before! It’s huge, and armed with cutting-edge technology to make your job easier. From a full-time print room attendant that prints and cuts to order (and ships your materials directly to you), to a team of talented graphic designers and marketing coordinators who delight in creating unique, one-of-a-kind pieces from scratch, just for you.
Meet Sasquatch and Big Foot
Our printers, Big Foot and Little Foot are the very same type of printers you'd find in a production print house -- and we often have higher printer volume than many of them! Together, they can print off books, brochures, trifolds, flyers, postcards, door hangers -- you name it!
Senior Vice President - Marketing
Emily Miller
Social Media
Jakob Summers
Videographers
Doug
Hoffmann
Erin Smith
Training Expert
Big Foot
Little Foot
Sarah, Alec, Sheila, Kailey & Michelle
The Graphic
Designers
Brandi & Mitzi
The Marketing Coordinators
Department Highlights
500,000 marketing pieces printed per month
100+ custom marketing pieces created each month
900+ social media posts published per month
60+ videos scripted, shot and edited per month
Using PowerBI, our DAS Data Department delivers insights to enable fast, informed decisions, using interactive, real-time data. We also use our technologies for monthly reporting and communication of production levels.
DAS Data
DocuSign allows us to manage electronic agreements including eSignagure and the ability to easily sign documents on different devices. DocuSign allows clients to safely sign and keep track of documents.
DocuSign
Motivity transforms data into actionable insights and provides near real-time access to key data that enables clients to proactively and automatically deliver the right information, at the right time, to the right people and in the right way.
Motivity
Rehumanize your communication by getting face to face through video within the tools you already use. BombBomb makes it easy to record, send, and track videos, allowing you to be “in-person” with those who matter most to your business at any given time.
BombBomb
Snapdocs not only easily ensures all loans are compliant, but provides transparency and updates teams immediately of any changes throughout the closing process. It also provides real-time insight into signing outcomes.
Get a competitive advantage with nCino, which allows you to start the loan origination process from anywhere. Engage borrowers on the spot and answer customer questions from anywhere, with no callbacks.
nCino
This tool allows us to solicit customer feedback in a way that boosts survey response rates, and responds to customer concerns before they reach social media.
Experience
Sales Boomerang is an intelligent system for mortgage professionals that alerts you the moment an unqualified lead becomes qualified.
Sales Boomerang
The communication tool designed to improve your batting average and turn more conversations into applications. Receive a daily coaching video from Barry Habib and beat the competition.
MBS Highway
Mortgage Coach provides clearly illustrated mortgage options with detailed financials, charts, video narration, and live updates on any device ensuring an informed home loan choice. Why quote rates off a fee sheet when you can create a stunning digital presentation for your borrower (and agent) to review?
Mortgage Coach
One tool that combines loan origination, business management, and customer relationship management.
Encompass
Tim is our Senior Vice President of Mortgage Technology. He knows that nothing is more frustrating than outdated technology impeding a sale. At USA Mortgage, we invest in and utilize the best sales tech on the market to make sure our loan officers have the best customer-facing technology, and can focus on the parts of their job they love most.
Meet Tim Spencer!
Mortgage Technology
Team culture
As a sales-centric company, our infrastructure is built to keep our loan officers in the field producing, not caught up in the office with paperwork. That’s why we’ve built out a robust resource center staffed by experts to ensure the sales process moves along seamlessly.
Discover our helpdesks
Onboarding department
We have an onboarding department that facilitates our robust new hire training program, as well as continuing education for sales and operations.
Underwriting Helpdesk
IT Helpdesk
Encompass Helpdesk
Condo Helpdesk
This desk is managed by a team of veteran underwriters. This team will run scenarios, calculate self-employed income, verify the loan is within guidelines and help ensure timely delivery of the loan.
Underwriting
help desk
This help desk uses an ever-changing cloud-based system to create efficiencies within the loan process, and allows more time for training and originating.
Encompass help desk
The condo help desk assists with review and approvals, waivers, underwriter escalation, guideline updates and training and more.
Condo helpdesk
Our team of IT professionals is constantly upgrading our technologies to maintain an efficient, well-maintained machine.
IT helpdesk
Get in touch!
Have questions? Our employee-owners have answers!
How does corporate support you?
What made you choose us?
Why do
your
recruits choose
us?
What
sets us apart?
“[It] really has to do with the culture because many businesses can say that it’s their culture, but DAS really lives it.”
“I pinch myself every day...how lucky we are here to be able to have the kind of support we have from corporate.”
How does corporate support you?
“Our recruits really, really, really love our marketing and technology and how we are constantly improving it.”
Why do recruits choose us?
“It's not just products and pricing, it was also the unmatched marketing capabilities and top level technologies.”
What made you choose us?
Get in touch!
Snapdocs
CO NMLS 227262. DAS Acquisition Company, LLC is an Equal Employment Opportunity Employer and does not discriminate in employment on the basis of race, color, religion, sex, national origin, political affiliation, sexual orientation, marital status, disability, genetic information, age, membership in an employee organization, retaliation, parental status, military service, or other non-merit factor.
What
sets us apart?
Chelsea Vonder Haar, SVP of Marketing and Alec Picinich, Marketing Manager, are here to answer the big questions. They might not be able to answer the big existential ruminations, but they can definitely help you with marketing!
Would you like to speak to the manager?
Brandi Mackenberg, our Creative Team Lead, creates nearly all of our marketing templates and custom designs
Creative
Brandi Mackenberg, our Creative Team Lead, creates nearly all of our marketing templates and custom designs, along with Evelyn Smith our junior designer.
The Creative Team
Emily Miller, Team Lead of Brand Strategy, has done your research for you. Ready to use social media to take your business to the next level? The Facebook Fairy is here for you.
Brand Development Strategy
Doug Hoffmann, Video Team Lead, creates amazing, personalized videos that allow you to stand out and share what makes you unique. Our fully functioning video studio offers professional lighting, cameras, audio, green screen, and much more. They’ll even make an animated video for the camera-shy.
The Video Team
Mitzi Hoffman, Digital Team Lead, manages all things digital. From web and email based marketing to animations and presentations, the digital team can help with many of your technical marketing questions.
Let's Get Digital
(formerly Simple Nexus)
Find out the benefits of working for an employee-owned company
Learn More
It pays to be employee owned
-
(literally)
YOUR GUIDE TO READING YOUR ESOP STATEMENT
This is the value from your 2018 statement.
Shares contributed by the company for 2019.
Market value increase on last year's shares.
Allocated shares forfeited by former employees.
Your percentage is based on the ESOP plan’s vesting schedule.
Year 1 = 0%
Year 2 = 20%
Year 3 = 40%
Year 4 = 60%
Year 5 = 80%
Fully vested in year 6.
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It's basically a fancy way of saying we're employee-owned.
Employee
Stock
Ownership
Plan
What is an ESOP, and why should I care?
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Answer
What does that mean exactly?
This means that every year, employees receive shares in USA Mortgage. The longer you work for USA, the more shares you will receive. Once you retire, or leave the company, USA will buy back the shares in exchange for their current value. The better the share price, the more money you get!
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Answer
That sounds nice. Are there other advantages to working for an employee-owned company?
We’re glad you asked!
Scroll down for more info!
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People that work for employee-owned
companies experience:
People that work for employee-owned
companies experience:
More retirement savings
More net worth
Better job security
Better job compensation
Better work culture
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Employee-owners have more than twice the average total retirement balance of Americans nationally.
Employee Owners
Standard Employees
$170,326
$80,334
More retirement savings
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Source
Learn More
Median household net worth is 92% higher for employee-owners than non-employee-owners.
More net worth
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Source
Learn More
In 2010, adults working at employee-owned companies were laid off less than those working in the private sector overall.
Better job security
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Private sector lay-offs
Employee-owned layoffs
12.1%
2.3%
Learn More
26% of Americans working for employee-owned companies listed better compensation as a top perk.
Better job compensation
Source
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26%
15% of Americans working for employee-owned companies said their company had a more personal and employee-friendly environment.
Better work culture
Source
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15%
Source:
Wiefek, Nancy,
Nicholson, Nathan (December 2018),
ESOPS and
Retirement
Security.
NCEO
(May, 2017)
Employee
Ownership and
Economic
Well-Being
Results from a nationally-representative survey run by Certified Employee-Owned in June 2018 using Google Consumer Surveys. Total number of respondents = 1,500. Answers were filtered for coherence and relevance before being grouped with similar responses. In total 770 quality answers were used in this analysis. Results shown do not use weights provided by Google Consumer Surveys to adjust for sampling variance. Including weights does not meaningfully change results.
Results from a nationally-representative survey run by Certified Employee-Owned in June 2018 using Google Consumer Surveys. Total number of respondents = 1,500. Answers were filtered for coherence and relevance before being grouped with similar responses. In total 770 quality answers were used in this analysis. Results shown do not use weights provided by Google Consumer Surveys to adjust for sampling variance. Including weights does not meaningfully change results.
Results from a nationally-representative survey run by Certified Employee-Owned in June 2018 using Google Consumer Surveys. Total number of respondents = 1,500. Answers were filtered for coherence and relevance before being grouped with similar responses. In total 770 quality answers were used in this analysis. Results shown do not use weights provided by Google Consumer Surveys to adjust for sampling variance. Including weights does not meaningfully change results.
Learn More
First month
1,000 hours worked
6-year vesting mark
New opportunity
Retirement
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The ESOP Timeline
How does it work?
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Welcome to USA Mortgage! As a division of DAS, a 100% employee-owned company, all employees who work over 160 hours in a year are eligible to receive shares as long as you are employed at December 31 of the same year.
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For each year you work 1,000 hours, a portion of your shares will vest. This means they are yours to keep -- though you won’t be able to cash them out until you leave the company or retire. From now on, a portion of shares will vest annually.
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Congrats! Now that you’ve hit this major milestone, you’re fully vested.
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I found another opportunity.
Aw -- we’d rather you keep working with us, but we’re happy for you. If you’re under 65, you’ll receive dividends five years after you leave -- the full sum will be paid out in installments over five years.
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Retiring? How exciting! You can now cash out your vested shares, which is a nice extra nest egg (especially when paired with your 401K). If you’re over 65, you’ll receive 100% of your balance the year after you retire.
REtirement: employee-owned vs. traditional company
At an employee-owned company, yearly contributions of company shares can make a huge impact on your life. Here’s a short example of what it could mean for you.
Meet Natalie
Meet Bill
Employee-owned company
Non-employee-owned company
Year 25:
January 2044
Over the course of a career, Natalie built substantial wealth as an employee-owner. Company shares help her retire early. As an employee-owner, she has created a substantial nest egg.
Company shares
$203,282
401K
$135,521
Company shares
$0
401K
$135,521
25 yrs
6 yrs
2 yrs
Hired
Year 6:
January 2024
Natalie continues to receive shares each year. As the company grows, Natalie’s shares also become more valuable. After 6 years, Natalie has over half a year’s salary in shares.
Company shares
$18,000
401K
$12,000
Company shares
$0
401K
$12,000
19 years later
25 yrs
6 yrs
2 yrs
Hired
Year 2:
January 2020
Bill and Natalie both get a 3% company contribution in their 401k. As an employee-owner, Natalie also receives a percentage of her salary in company shares (at no cost to her).
Company shares
$5,000
401K
$3,000
Company shares
$0
401K
$3,000
4 years later
25 yrs
6 yrs
2 yrs
Hired
Hired:
January 2019
Bill and Natalie start on the same day, work 40 hours a week, and make $18/hour.
Company shares
$0
401K
$0
Company shares
$0
401K
$0
2 years later
25 yrs
6 yrs
2 yrs
Hired
(These numbers are purely for example purposes.)
At an employee-owned company, everyone has a stake in the company’s success. Moreover, everything you do can ultimately impact the share price — and ultimately your distribution payments. Here are some small ways to make a big difference.
Bring in a reusable cup
Reduce printing and paper use
RSVP accurately to company events (so money isn’t wasted on headcount)
Negotiate costs on vendor contracts
Have free time? Volunteer to help a colleague
For loan officers and branches, reduce pricing exceptions
How can I affect share price?
Learn More
Learn More
Learn More
Learn More
Learn More
Questions about your ESOP Statement?
Q6
What is a share
price?
The monetary value of one share of the company’s stock. The value is determined
once-a-year by an independent appraiser.
Q5
When will the employee get the money?
Distribution of the benefit in the ESOP account begins after the employee leaves the company or retires.
Q4
What is vesting?
The percentage of the employee's ESOP Account that is theirs and cannot be taken back.
Q3
Does an ESOP cost anything?
Nope! It does not cost
anything!
Q2
How many employee-owned companies are there in America?
There are 6,000+ employee-owned companies in America with between 1.5-2 million employees. Here at USA Mortgage 100% of our stock is held by employees and that sets us apart (only about 1 out of 200 businesses in America can say that).
Q1
What does it mean to be
employee-owned?
Everyone who works at the company is an owner! Ownership ensures that everyone builds wealth when the company succeeds.
Go
ESOP FAQ!
Find out more about ESOPS!
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