United Home Loans at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
85th2.7% deniedPricingmedian rate spread over APOR, weight 30%
51st0.26 ptsProcesswithdrawn + incomplete share, weight 15%
23rd18.8%Closing coststotal loan costs ÷ loan amount, weight 10%
60th1.66% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 537 | 406 | 4.7% | 5.8% | 6.99% | $145M |
| 2024 | 644 | 531 | 1.9% | 2.2% | 6.88% | $210M |
| 2025 | 729 | 576 | 2.2% | 2.7% | 6.63% | $249M |
What United Home Loans lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 45 investment properties.
Why United Home Loans denies applications
Primary reason reported for each of the 16 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at United Home Loans
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 133 | 103 | 3.7% |
| $100k – $150k | 155 | 115 | 5.7% |
| $150k – $250k | 229 | 188 | 1.1% |
| Over $250k | 193 | 156 | 1.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 20 | 11 | 15.4% |
| 25–34 | 307 | 250 | 1.6% |
| 35–44 | 212 | 168 | 3.5% |
| 45–54 | 91 | 72 | 2.7% |
| 55–64 | 55 | 43 | 4.4% |
| 65–74 | 33 | 22 | 0.0% |
Where United Home Loans lends
16 states and 80 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
United Home Loans denied 2.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 85th percentile of small mortgage lenders.
The most common reason United Home Loans gave in 2025 was "collateral", cited on 43.8% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans United Home Loans originated in 2025 was 6.63%, and its median rate spread over the average prime offer rate was 0.26 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 71% of its applications were for home purchases, 28% for refinancing (including cash-out), and 1% for home improvement or other purposes. By loan type: 94% conventional, 4% FHA, 1% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.