United Home Loans, Inc. mortgage approval rate & lending review
United Home Loans, Inc. decided 1,528 mortgage applications and funded 1,475 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions United Home Loans, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to umortgage.com.
This lender is broker only. It does not take applications from borrowers directly; you would reach it through a mortgage broker.
United Home Loans, Inc. at a glance
Approval is 11.0 points above the 85.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 1,143 / 1,175 | 100% | $355K | 1,143 |
| Cash-out refinance | 97% | 37 / 38 | 100% | $325K | 37 |
| Refinance | 98% | 174 / 178 | 100% | $455K | 174 |
| Investment property purchase | 90% | 94 / 105 | 100% | $245K | 94 |
United Home Loans, Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Illinois | 97% | $355K | 1,302 | 1,260 |
| Tennessee | 96% | $425K | 45 | 43 |
| Indiana | 91% | $295K | 33 | 30 |
| Florida | 91% | $375K | 32 | 29 |
| Michigan | 97% | $395K | 29 | 28 |
| Wisconsin | 95% | $295K | 20 | 19 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where United Home Loans, Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Cook County, IL | Mortgage lenders | 98% | 571 | 557 |
| DuPage County, IL | Mortgage lenders | 98% | 235 | 230 |
| Will County, IL | Mortgage lenders | 96% | 107 | 103 |
| Cook County, IL | Refinance | 98% | 94 | 92 |
| DuPage County, IL | Refinance | 98% | 40 | 39 |
The county markets where United Home Loans, Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about United Home Loans, Inc.
What is United Home Loans, Inc.'s mortgage approval rate?
United Home Loans, Inc. approved 96.5% of the 1,528 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.0 points above the 85.5% national rate for the same mix of loan types.
How often do borrowers take the loan United Home Loans, Inc. offers?
Borrowers accepted 100% of the loans United Home Loans, Inc. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does United Home Loans, Inc. make?
The typical home purchase mortgage loan United Home Loans, Inc. made was $355K; across all loan types its typical loan ran from $245K to $455K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does United Home Loans, Inc. lend?
United Home Loans, Inc. decided applications in 19 of the states Fat Boy Data covers, most of them in Illinois, Tennessee and Indiana.
Can I apply to United Home Loans, Inc. directly?
No. United Home Loans, Inc. is a wholesale lender: it funds loans that mortgage brokers bring to it and does not take applications from borrowers directly. Its website is umortgage.com.
Does this page show United Home Loans, Inc.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how United Home Loans, Inc. treats applications, then get a rate quote from the lender.