Applications / Mortgage Analytics / Lenders / Illinois / United Home Loans
Western, IL · Independent non-bank lender · CFPB · 576 loans in 2025
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576
loans originated, 2025
729
applications, 2025
16
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
United Home Loans, an Illinois mortgage company, makes mostly conventional loans to buy homes, and it grew faster than most similar lenders in 2025.
Of its 576 loans, 95.1% were conventional and 71.9% financed purchases. Similar lenders, meaning independent non-banks making between half and twice as many loans, put 21.5% of their loans in mortgages insured by the Federal Housing Administration (FHA); United Home Loans put 3.1%. It made no loans on manufactured homes. Its typical loan, $375,000, was above the $325,000 at peers.
Its loans rose 8%, against 2% at similar lenders and 10% in the whole market. Its biggest market is Chicago-Naperville-Elgin, where it ranks 63 of 902. It lends in 43 metros across 16 states and entered Houston, San Francisco and Augusta in 2025.
Only 6.5% of its loans went to homes in low- and moderate-income neighborhoods, against 18.5% at similar lenders, among the lowest twentieth. Its share to low- and moderate-income borrowers, 16.2%, and to majority-minority neighborhoods, 11.6%, were also below peers. Its larger loans and its near absence from FHA lending, which many lower-income buyers use, are possible reasons.
It turned down 0.7% of decided first-lien refinance applications on owner-occupied homes, against 9.2% at similar lenders, among the lowest tenth. On home purchases its rate, 2.3%, was close to the 2.9% at peers.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. United Home Loans took 729 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 71.9% · Refinance 28.1%
Conventional 95.1% · FHA 3.1% · VA 1.4% · USDA (RHS or FSA) 0.3% · of 576 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Illinois | 476 | 82.6% |
| Tennessee | 22 | 3.8% |
| Indiana | 16 | 2.8% |
| Florida | 13 | 2.3% |
| Michigan | 11 | 1.9% |
| Minnesota | 8 | 1.4% |
| Georgia | 5 | 0.9% |
| Ohio | 5 | 0.9% |
| Wisconsin | 5 | 0.9% |
| Arizona | 3 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 438 |
| Elgin | 19 |
| Nashville-Davidson--Murfreesboro--Franklin | 18 |
| Lake County | 14 |
| Minneapolis-St. Paul-Bloomington | 8 |
| Lake County-Porter County-Jasper County | 7 |
| Indianapolis-Carmel-Greenwood | 5 |
| Columbus | 4 |
| Naples-Marco Island | 4 |
| Niles | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300UKYJZO6CZXIX60 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4878195 | 2015–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7364489176 |
Established 31 January 2002. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: United Home Loans's data.
United Home Loans's data
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United Home Loans and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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