UNITED HOME LOANS, INC.
UNITED HOME LOANS, INC. received 729 applications in 2025 and made 576 mortgages, in 80 counties across 16 states. The median rate its borrowers got was 6.625% on a median loan of $375,000. Of 592 decisions, 16 were denials — 2.7%, most often for collateral.
| Legal Entity Identifier | 549300UKYJZO6CZXIX60 |
|---|---|
| Applications received | 729 |
| Mortgages made | 576 |
| Denied | 16 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 137 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.26 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 414 | 6.750% | $365,000 | 3.0% |
| Refinancing | 126 | 6.125% | $475,000 | 1.6% |
| Cash-out refinancing | 36 | 7.058% | $210,000 | 0.0% |
| Other purposes | 0 | Under 10 loans | Under 10 loans | 100.0% |
Where UNITED HOME LOANS, INC. lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Cook County, IL | 276 | 6.625% | 3.5% |
| DuPage County, IL | 105 | 6.490% | 0.9% |
| Will County, IL | 43 | 6.625% | 4.4% |
| Kane County, IL | 14 | 6.875% | 0.0% |
| Lake County, IL | 14 | 6.750% | 0.0% |
| McHenry County, IL | 11 | 6.500% | 0.0% |
| Davidson County, TN | 11 | 6.624% | 0.0% |
| Lake County, IN | 6 | Under 10 loans | 14.3% |
| Kendall County, IL | 5 | Under 10 loans | 0.0% |
| Collier County, FL | 4 | Under 10 loans | 0.0% |
| Berrien County, MI | 4 | Under 10 loans | 0.0% |
| Franklin County, OH | 4 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 3 | Under 10 loans | 0.0% |
| Grundy County, IL | 3 | Under 10 loans | 0.0% |
| Hamilton County, IN | 3 | Under 10 loans | 0.0% |
| Hennepin County, MN | 3 | Under 10 loans | 0.0% |
| Williamson County, TN | 3 | Under 10 loans | 0.0% |
| Hillsborough County, FL | 2 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 2 | Under 10 loans | 0.0% |
| Gilmer County, GA | 2 | Under 10 loans | 0.0% |
| LaSalle County, IL | 2 | Under 10 loans | 0.0% |
| Allegan County, MI | 2 | Under 10 loans | 0.0% |
| Dakota County, MN | 2 | Under 10 loans | 0.0% |
| Wilson County, TN | 2 | Under 10 loans | 0.0% |
| Harris County, TX | 2 | Under 10 loans | 0.0% |
| Milwaukee County, WI | 2 | Under 10 loans | 0.0% |
| Walworth County, WI | 2 | Under 10 loans | 0.0% |
| Madison County, AL | 1 | Under 10 loans | 0.0% |
| Los Angeles County, CA | 1 | Under 10 loans | 0.0% |
| San Francisco County, CA | 1 | Under 10 loans | 0.0% |
| Arapahoe County, CO | 1 | Under 10 loans | 0.0% |
| Denver County, CO | 1 | Under 10 loans | 0.0% |
| Grand County, CO | 1 | Under 10 loans | 0.0% |
| Manatee County, FL | 1 | Under 10 loans | 0.0% |
| Pasco County, FL | 1 | Under 10 loans | 0.0% |
| Pinellas County, FL | 1 | Under 10 loans | 0.0% |
| Sumter County, FL | 1 | Under 10 loans | 0.0% |
| Volusia County, FL | 1 | Under 10 loans | 0.0% |
| Cherokee County, GA | 1 | Under 10 loans | 0.0% |
| Glynn County, GA | 1 | Under 10 loans | 0.0% |
| Lowndes County, GA | 1 | Under 10 loans | 0.0% |
| Kankakee County, IL | 1 | Under 10 loans | 0.0% |
| Madison County, IL | 1 | Under 10 loans | 0.0% |
| Winnebago County, IL | 1 | Under 10 loans | 0.0% |
| Boone County, IN | 1 | Under 10 loans | 0.0% |
| Jasper County, IN | 1 | Under 10 loans | 0.0% |
| LaGrange County, IN | 1 | Under 10 loans | 0.0% |
| LaPorte County, IN | 1 | Under 10 loans | 0.0% |
| Marion County, IN | 1 | Under 10 loans | 0.0% |
| St. Joseph County, IN | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.