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United Home Loans

Independent Mortgage Company•Chicago, ILHQ•Direct•Reviews near you on Google

We analyzed every closed loan from United Home Loans — 529 loans across 637 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Sound
3/5
FHA · Conventional
Place
Sound
3/5
Multi-Region · 4 mkts

Safe Rate Summary

What They Do Well

  • Strong pull through performance

Things to Think About

  • Pricing may be below industry average

Explore another lender or local market

Report Card

United Home Loans performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+40.4 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 5 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Sound
Volume496
Mix93.8%
Spread
+0.401%Above
Fees
$1,864Fees
FHA Loans
Overall
Sound
Product
Sound
Pricing—
Pull Through
Strong
Volume18
Mix3.4%
Spread
+0.643%Above
Fees
$1,660Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Sound
Volume464
Mix87.7%
Spread
+0.430%Above
Fees
$2,040Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Strong
Volume65
Mix12.3%
Spread
+0.221%Above
Fees
$708Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
529
Applications
637
Volume
$209 million
Pricing & Closing
Avg Rate Spread
+0.404%
vs. market APOR
Avg Net Fees
$1,874
Origination − Credits
Pullthrough Rate
83.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$396,021
Avg Borrower Income
$206,905
Avg Property Value
$540,028

Geographic Coverage

Geographic Performance

Metro Areas
4
markets with activity
States Served
19
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

19
19 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast1
PA
Midwest6
ILINMIMNOHWI
South9
ALFLGAKYMDNCSCTNTX
West3
AZCACO

Top Metro Areas by Place Specialization Score

1© John Picken · CC BY 2.0
Chicago, ILMetro
Volume 389Mix 73.53% of portfolio
82/100
Exceptional
2© G LeTourneau · CC BY-SA 3.0
Elgin, ILMetro
Volume 25Mix 4.73% of portfolio
57/100
Sound
3© Richie Diesterheft from Chicago, IL, USA · CC BY 2.0
Lake County, ILMetro
Volume 14Mix 2.65% of portfolio
49/100
Sound
4© Quintin Soloviev · CC BY 4.0
Nashville, TNMetro
Volume 18Mix 3.40% of portfolio
48/100
Sound

Top States by Place Specialization Score

Illinois
Illinois
1
IllinoisState
Volume 435Mix 82.23% of portfolio
81/100
Exceptional
Tennessee
Tennessee
2
TennesseeState
Volume 21Mix 3.97% of portfolio
46/100
Sound
Wisconsin
Wisconsin
3
WisconsinState
Volume 12Mix 2.27% of portfolio
41/100
Sound
Michigan
Michigan
4
MichiganState
Volume 12Mix 2.27% of portfolio
40/100
Sound
Indiana
Indiana
5
IndianaState
Volume 11Mix 2.08% of portfolio
39/100
Acceptable

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.