United Home Loans, Inc. Mortgage Lending & HMDA Data, 2024
In 2024, United Home Loans, Inc. of Western Springs, IL reported 644 mortgage applications totaling $255.0 million, up 20% from 2023. The average application was for $395,993, and applicants reported an average income of $201,763. 82% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Chicago-Naperville, IL (467), Elgin, IL (30) and Nashville-Davidson--Murfreesboro--Franklin, TN (19) (applications in parentheses).
| Mortgage Company & Address | United Home Loans, Inc. 1023 Burlington Ave Western Springs, IL 60558 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2006 2005 2004 |
| Total Number of Mortgage Applications | 644 |
| Total Mortgage Loan Application Amount | $255,020,000 |
| Average Mortgage Loan Application Amount | $395,993 |
| Highest Mortgage Loan Application Amount | $1,255,000 |
| Average Applicant Income | $201,763 |
| Highest Applicant Income | $6,185,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records United Home Loans, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Chicago-Naperville, IL | 467 | $ 187,525,000 | $ 401,552 | $ 184,000 |
| Elgin, IL | 30 | $ 9,280,000 | $ 309,333 | $ 163,000 |
| Outside any metro area | 23 | $ 7,485,000 | $ 325,434 | $ 207,391 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 19 | $ 8,765,000 | $ 461,315 | $ 507,000 |
| Lake County-Kenosha County, IL-WI | 18 | $ 6,470,000 | $ 359,444 | $ 237,000 |
| Lake County-Porter County-Jasper County, IN | 7 | $ 2,335,000 | $ 333,571 | $ 120,000 |
| Denver-Aurora-Lakewood, CO | 5 | $ 2,715,000 | $ 543,000 | $ 193,000 |
| Milwaukee-Waukesha-West Allis, WI | 5 | $ 1,575,000 | $ 315,000 | $ 177,000 |
| Phoenix-Mesa-Scottsdale, AZ | 5 | $ 3,305,000 | $ 661,000 | $ 514,000 |
| Warren-Troy-Farmington Hills, MI | 4 | $ 1,640,000 | $ 410,000 | $ 117,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 1,505,000 | $ 501,666 | $ 266,000 |
| Kankakee, IL | 3 | $ 535,000 | $ 178,333 | $ 85,000 |
| Kenosha, WI | 3 | $ 945,000 | $ 315,000 | $ 175,000 |
| Louisville/Jefferson County, KY-IN | 3 | $ 1,075,000 | $ 358,333 | $ 140,666 |
| Marietta, GA | 3 | $ 1,385,000 | $ 461,666 | $ 186,000 |
| North Port-Sarasota-Bradenton, FL | 3 | $ 1,195,000 | $ 398,333 | $ 399,000 |
| Rockford, IL | 3 | $ 535,000 | $ 178,333 | $ 70,000 |
| Charlotte-Concord-Gastonia, NC-SC | 2 | $ 600,000 | $ 300,000 | $ 131,000 |
| Dallas-Plano-Irving, TX | 2 | $ 1,130,000 | $ 565,000 | $ 553,000 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 1,050,000 | $ 525,000 | $ 209,000 |
| Michigan City-La Porte, IN | 2 | $ 1,770,000 | $ 885,000 | $ 449,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 690,000 | $ 345,000 | $ 107,500 |
| Niles-Benton Harbor, MI | 2 | $ 310,000 | $ 155,000 | $ 143,000 |
| Ocala, FL | 2 | $ 1,410,000 | $ 705,000 | $ 237,000 |
| Peoria, IL | 2 | $ 440,000 | $ 220,000 | $ 80,000 |
| Appleton, WI | 1 | $ 295,000 | $ 295,000 | $ 91,000 |
| Auburn-Opelika, AL | 1 | $ 315,000 | $ 315,000 | $ 257,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 355,000 | $ 355,000 | $ 124,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 715,000 | $ 715,000 | $ 325,000 |
| Charleston-North Charleston, SC | 1 | $ 515,000 | $ 515,000 | $ 428,000 |
| Cincinnati, OH-KY-IN | 1 | $ 335,000 | $ 335,000 | $ 70,000 |
| Clarksville, TN-KY | 1 | $ 255,000 | $ 255,000 | $ 53,000 |
| Durham-Chapel Hill, NC | 1 | $ 405,000 | $ 405,000 | $ 241,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 385,000 | $ 385,000 | $ 185,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 395,000 | $ 395,000 | $ 244,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 625,000 | $ 625,000 | $ 287,000 |
| Kalamazoo-Portage, MI | 1 | $ 165,000 | $ 165,000 | $ 115,000 |
| Lafayette-West Lafayette, IN | 1 | $ 215,000 | $ 215,000 | $ 119,000 |
| Madison, WI | 1 | $ 415,000 | $ 415,000 | $ 199,000 |
| Memphis, TN-MS-AR | 1 | $ 355,000 | $ 355,000 | $ 135,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 385,000 | $ 385,000 | $ 331,000 |
| Oshkosh-Neenah, WI | 1 | $ 315,000 | $ 315,000 | $ 108,000 |
| Philadelphia, PA | 1 | $ 545,000 | $ 545,000 | $ 126,000 |
| Punta Gorda, FL | 1 | $ 305,000 | $ 305,000 | $ 705,000 |
| San Diego-Carlsbad, CA | 1 | $ 465,000 | $ 465,000 | $ 507,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 385,000 | $ 385,000 | $ 364,000 |
| Tallahassee, FL | 1 | $ 405,000 | $ 405,000 | $ 518,000 |
| Traverse City, MI | 1 | $ 335,000 | $ 335,000 | $ 234,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 465,000 | $ 465,000 | $ 906,000 |
Mortgage Loan Application Detail Totals for United Home Loans, Inc. in 2024
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 560 | $218,500,000 | $390,000 | $1,255,000 | $199,000 | $6,185,000 |
| Refinancing | 64 | $29,990,000 | $468,000 | $765,000 | $215,000 | $906,000 |
| Cash-out Refinancing | 17 | $5,295,000 | $311,000 | $775,000 | $256,000 | $612,000 |
| Home Improvement | 3 | $1,235,000 | $411,000 | $655,000 | $128,000 | $235,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 518 | $202,820,000 | $391,000 | $1,105,000 | $194,000 | $1,179,000 |
| Asian | 40 | $15,840,000 | $396,000 | $1,005,000 | $198,000 | $625,000 |
| Not Provided | 36 | $16,600,000 | $461,000 | $1,255,000 | $222,000 | $525,000 |
| Hispanic | 35 | $13,555,000 | $387,000 | $785,000 | $152,000 | $580,000 |
| Black or African American | 14 | $6,050,000 | $432,000 | $945,000 | $592,000 | $6,185,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $155,000 | $155,000 | $155,000 | $78,000 | $78,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 603 | $239,555,000 | $397,000 | $1,255,000 | $207,000 | $6,185,000 |
| FHA-insured (Federal Housing Administration) | 27 | $9,515,000 | $352,000 | $785,000 | $117,000 | $222,000 |
| VA-guaranteed (Veterans Administration) | 13 | $5,635,000 | $433,000 | $605,000 | $115,000 | $237,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $315,000 | $315,000 | $315,000 | $95,000 | $95,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 531 | $210,045,000 | $395,000 | $1,255,000 | $206,000 | $6,185,000 |
| Application Withdrawn By Applicant | 101 | $41,275,000 | $408,000 | $1,025,000 | $188,000 | $625,000 |
| Application Denied By Financial Institution | 12 | $3,700,000 | $308,000 | $695,000 | $131,000 | $331,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 632 | $251,320,000 | $397,000 | $1,255,000 | $203,000 | $6,185,000 |
| Other | 5 | $1,515,000 | $303,000 | $605,000 | $133,000 | $213,000 |
| Collateral | 3 | $875,000 | $291,000 | $385,000 | $184,000 | $331,000 |
| Credit History | 2 | $460,000 | $230,000 | $355,000 | $71,000 | $108,000 |
| Debt-To-Income Ratio | 1 | $155,000 | $155,000 | $155,000 | $0 | $0 |
| Unverifiable Information | 1 | $695,000 | $695,000 | $695,000 | $212,000 | $212,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Home Loans, Inc.'s 2024 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess United Home Loans, Inc.'s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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