United Home Loans

Name

United Home Loans

Legal name

United Home Loans, Inc.

Website

https://uhloans.com

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Government-Insured Mortgage Origination (FHA/VA/USDA) (FSALAAAI)

akta.pro secondary industry

Renovation Mortgage Origination (FHA 203(k), HomeStyle, CHOICERenovation) (FSALAAAL)

Keywords

• Mortgage lending services
• Home loan origination
• Mortgage refinancing
• Government-backed loans
• Jumbo loan programs

Headquarters

HQ city

Westchester

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Mortgage Origination Fees: Revenue generated from originating mortgage loans for home purchases and refinances. The company charges origination fees as part of the loan closing process, which is standard in the mortgage lending industry.
2. Interest Rate Spread: Revenue earned through the spread between the interest rate charged to borrowers and the cost of funds. As a mortgage bank, United Home Loans originates loans and typically sells them in the secondary market or holds them in their portfolio.
3. Refinance Fees: Revenue generated from refinancing existing mortgages, including cash-out refinances and rate/term refinances.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

United Home Loans is a privately held mortgage lender that originates and underwrites home purchase loans and refinances for individual consumers across 20 U.S. states. The company offers a full suite of conventional and government-backed mortgage products (30-Year Fixed, 15-Year Fixed, FHA, VA, ARM, Jumbo, Renovation, Bridge, HomeReady/Possible) supported by in-house processing, underwriting, and closing teams, plus a digital pre-approval application that completes in 15 minutes or less.

Product overview

United Home Loans is a mortgage lender offering a comprehensive suite of loan products centered around conventional and government-backed mortgage programs. The core product portfolio includes 15-Year and 30-Year Fixed Loans as the primary mortgage products, complemented by FHA Loans, VA Loans, ARM Loans, and Jumbo Loans (with 5% and 10% down payment options). Additional specialized products include HomeReady/Possible Loans for low down payment (3%) eligibility, Renovation Loans for home improvements, and Bridge Loans for buy-before-you-sell scenarios. The company also offers refinance products including Cash-Out Refinance, rate/term refinancing, and ARM-to-Fixed conversion. Supporting services include mortgage pre-approval and the H.O.M.E. Closing Cost Assistance program providing up to $5,000 for qualified buyers. The company operates in 20 states with local expertise in Chicago and Nashville markets.

Differentiator

Problem solved

Functional benefit

Products and services

• 30-Year Fixed Loans

Quantifiable outcome

• Pre-approval application can be completed in 15 minutes or less
• +1 more outcomes

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Movement Mortgage: South Carolina-based retail mortgage lender with multi-state branch network and comparable product suite. Similar mid-market retail positioning with banker-driven origination model.
• Guaranteed Rate: Chicago-headquartered retail mortgage lender with comparable multi-state retail model, in-house processing, and similar mid-market positioning. Closest geographic and business model peer to United Home Loans.
• PrimeLending: Plano-based retail mortgage lender with branch network across dozens of states. Similar mid-size retail model with comparable FHA/VA/conventional product mix and banker-driven distribution.
• CrossCountry Mortgage: Multi-state retail mortgage banker with branch model and comparable product suite including FHA, VA, conventional, and renovation. Similar positioning as a non-bank retail lender competing against national mega-lenders.
• Fairway Independent Mortgage: Mid-size retail mortgage lender operating across dozens of states with branch-based banker model. Similar product breadth (conventional, FHA, VA, jumbo) and dependence on local market expertise.

Broad incumbents

• Caliber Home Loans: National mortgage lender offering retail, wholesale, and correspondent channels with comparable government and conventional products. Larger scale but overlapping customer base in licensed states.
• United Wholesale Mortgage: Largest U.S. wholesale mortgage lender, primarily serving mortgage brokers. While wholesale-focused rather than retail, it competes for the same underlying loan officers and sets competitive rate benchmarks that retail lenders must match.
• loanDepot: Large direct-to-consumer mortgage lender with retail and digital channels offering comparable product set. Significantly larger scale, but overlapping customer base and product offering.
• Rocket Mortgage: Largest U.S. retail mortgage lender with dominant digital brand and massive consumer marketing budget. Competes for the same borrower pool across all 50 states with overlapping product offerings.
• NewRez (New Residential Mortgage): Multi-channel mortgage lender with retail, wholesale, and direct-to-consumer offerings. Overlaps with United Home Loans across FHA, VA, and conventional products, but at much larger scale.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/unitedhomeloans
• Facebookfacebook.com/unitedhomeloans
• LinkedInlinkedin.com/company/united-home-loans

Compliance24 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about United Home Loans