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UNITED HOME LOANS, INC.
Independent Mortgage Company|CHICAGO, IL|Multi-Region
Loans Originated
529
Applications
637
Volume
$209 million
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+0.404%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,874
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
83.0%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
Things to Think About
- Pricing may be below industry average
Report Card
UNITED HOME LOANS, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Multi-Regional · 5 metro areas · 19 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$396,021
Average Borrower Income
$206,905
Average Property Value
$540,028
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Acceptable | Sound | 496 | 93.8% | +0.401% | $1,864 |
FHA Loans | Sound | Sound | N/A | Strong | 18 | 3.4% | +0.643% | $1,660 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Acceptable | Sound | 464 | 87.7% | +0.430% | $2,040 |
Refinance | Sound | Sound | Sound | Strong | 65 | 12.3% | +0.221% | $708 |
Geographic Coverage
Metro Areas
4
States Served
19
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Chicago, ILMSA
Volume: 389Mix: 73.53%
Place Specialization
Exceptional
2
Elgin, IL, ILMSA
Volume: 25Mix: 4.73%
Place Specialization
Sound
3
Lake County, IL, ILMSA
Volume: 14Mix: 2.65%
Place Specialization
Sound
4
Nashville, TNMSA
Volume: 18Mix: 3.40%
Place Specialization
Sound
Top States by Place Specialization Score
1
ILState
Volume: 435Mix: 82.23%
Place Specialization
Exceptional
2
TNState
Volume: 21Mix: 3.97%
Place Specialization
Sound
3
WIState
Volume: 12Mix: 2.27%
Place Specialization
Sound
4
MIState
Volume: 12Mix: 2.27%
Place Specialization
Sound
5
INState
Volume: 11Mix: 2.08%
Place Specialization
Acceptable
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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