Applications / Mortgage Analytics / Lenders / New York / United Mortgage
Melville, NY · Non-bank lender · CFPB · 2,224 loans in 2025
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2,224
loans originated, 2025
3,364
applications, 2025
39
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
United Mortgage, a non-bank lender from Melville, New York, finances home purchases with larger loans than its rivals, and more of them are insured by the Federal Housing Administration (FHA).
Its typical loan was $415,000 in 2025, against $305,000 at similar lenders (non-bank lenders making between half and twice as many loans). That is higher than nearly nine in ten of them. FHA loans were 31.4% of its lending, against 17.3% at the typical peer. Purchases made up 71.9% of its loans and manufactured homes only 0.9%, so this is a lender of ordinary home-buying finance, conventional and government-backed.
Its loans rose 9% to 2,224, a little slower than the 12% of the typical peer and the 10% of the whole market. That is well under half the 5,910 it made in 2020.
It has lent in New York since 1993 and ranks 44 of 802 lenders there, far behind JPMorgan Chase Bank. In Scranton and Wilkes-Barre it ranks 15 of 395, and its share rose from 1.4% to 1.8%. It lends in 39 states, and opened in Gainesville, Georgia, in 2025.
It made 29.0% of its loans in low- and moderate-income (LMI) neighborhoods, against 20.4% at similar lenders, more than about three-quarters of them. Five years before, the figure was 19.8%. Its share to LMI borrowers, 29.3%, sits near the middle of its 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Mortgage took 3,364 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 71.9% · Refinance 27.9% · Other 0.2%
Conventional 65.5% · FHA 31.4% · VA 2.9% · USDA (RHS or FSA) 0.2% · of 2,224 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 |
|---|---|---|
| New York | 956 | 43.0% |
| New Jersey | 297 | 13.4% |
| Pennsylvania | 296 | 13.3% |
| Florida | 157 | 7.1% |
| Texas | 101 | 4.5% |
| Ohio | 52 | 2.3% |
| Connecticut | 50 | 2.2% |
| Georgia | 42 | 1.9% |
| South Carolina | 42 | 1.9% |
| Michigan | 24 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Nassau County-Suffolk County | 615 |
| New York-Jersey City-White Plains | 355 |
| Scranton--Wilkes-Barre | 181 |
| Lakewood-New Brunswick | 133 |
| Newark | 68 |
| Cincinnati | 32 |
| Dallas-Plano-Irving | 32 |
| Allentown-Bethlehem-Easton | 30 |
| West Palm Beach-Boca Raton-Delray Beach | 27 |
| Fort Worth-Arlington-Grapevine | 26 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493005ICQ3QGEIWV618 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3873447 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7113073502 | |
| Respondent ID (the HMDA filer code before 2018) | 77545800001 | 1993–2013 |
Established 15 August 1991. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: United Mortgage's data.
United Mortgage's data
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