# UNITED HOME LOANS, INC.

> **Canonical URL:** https://saferate.com/lenders/united-home-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


UNITED HOME LOANS, INC. is a independent mortgage company, headquartered in CHICAGO, IL, serving borrowers across 19 states, with 529 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 64% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 37% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300UKYJZO6CZXIX60
- **Headquarters:** CHICAGO, IL
- **Geographic Reach:** Multi-Region
- **States Served:** 19
- **State List:** AL, AZ, CA, CO, FL, GA, IL, IN, KY, MD, MI, MN, NC, OH, PA, SC, TN, TX, WI
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 36/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 63/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.404%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,874
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 529
- **Dollar Volume:** $209 million
- **Applications Received:** 637
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $396,021
- **Average Borrower Income:** $206,905
- **Average Property Value:** $540,028

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 55/100 | 496 | +0.401% | $1,864 | Sound ☺️ |
| FHA | 52/100 | 18 | +0.643% | $1,660 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 432 loans, Score: 55/100 (Sound)
- Refinance: 64 loans, Score: 51/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 55/100 | 464 | $180M | +0.430% | Sound ☺️ |
| Refinance | 49/100 | 65 | $30M | +0.221% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IL | 435 | 0.35% | 81/100 |
| TN | 21 | 0.02% | 46/100 |
| MI | 12 | 0.01% | 40/100 |
| WI | 12 | 0.02% | 41/100 |
| IN | 11 | 0.01% | 39/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Chicago | IL | 389 | 82/100 |
| Elgin, IL | IL | 25 | 57/100 |
| Nashville | TN | 18 | 48/100 |
| Lake County, IL | IL | 14 | 49/100 |
| Non |  | 14 | 24/100 |

## Frequently Asked Questions

### What loan types does UNITED HOME LOANS, INC. offer?

UNITED HOME LOANS, INC. offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does UNITED HOME LOANS, INC. offer mortgages?

UNITED HOME LOANS, INC. offers mortgages in 19 states: AL, AZ, CA, CO, FL, GA, IL, IN, KY, MD, MI, MN, NC, OH, PA, SC, TN, TX, WI.

### How competitive are UNITED HOME LOANS, INC.'s mortgage rates?

UNITED HOME LOANS, INC. has a pricing score of 36/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.404% above market average.

### What type of lender is UNITED HOME LOANS, INC.?

UNITED HOME LOANS, INC. is a non-depository lender that specializes in mortgage origination, headquartered in CHICAGO, IL.

### What is UNITED HOME LOANS, INC.'s loan approval success rate?

UNITED HOME LOANS, INC. has a pull-through score of 63/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/united-home-loans

### How to Cite

> "UNITED HOME LOANS, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/united-home-loans

---

**[View Interactive Profile →](https://saferate.com/lenders/united-home-loans)**