UNITED HOME LOANS, INC. closing costs and rates (2024)
In 2024, UNITED HOME LOANS, INC. originated 424 purchase mortgages at a median interest rate of 6.99% and median total closing costs of $6,147. That is $594 below the national median of $6,741. UNITED HOME LOANS, INC. is most active in Illinois with 366 originations there.
Purchase Originations
424
Median Total Costs
$6,147
−8.8% vs national ($6,741)
Median Rate
6.990%
+5.6% vs national (6.620%)
Median Origination
$1,395
Median Lender Credits
$65
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 398 | 6.990% | $6,128 | $1,395 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Illinois | 366 | 6.933% | $6,178 | #59 |
| Tennessee | 16 | 6.870% | $7,203 | — |
| Wisconsin | 8 | 6.750% | $3,302 | — |
| Indiana | 7 | 6.875% | $3,698 | — |
| Michigan | 5 | 6.624% | $3,786 | — |
| Florida | 4 | 7.308% | $5,608 | — |
| Georgia | 3 | 6.990% | $7,185 | — |
| Arizona | 2 | 6.812% | $6,100 | — |
| Colorado | 2 | 7.120% | $10,096 | — |
| Kentucky | 2 | 7.058% | $4,254 | — |
| North Carolina | 2 | 7.057% | $4,697 | — |
| South Carolina | 2 | 6.683% | $4,429 | — |
| Maryland | 1 | 5.990% | $8,901 | — |
| Minnesota | 1 | 7.750% | $7,214 | — |
| Ohio | 1 | 6.750% | $3,639 | — |
| Pennsylvania | 1 | 6.500% | $6,549 | — |
| Texas | 1 | 6.375% | $8,023 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,690 | 6.375% | — | 2 | −$3,457 | |
| 2 | $3,031 | 7.000% | — | 3 | −$3,116 | |
| 3 | $3,523 | 6.990% | — | 1 | −$2,624 | |
| 4 | $3,602 | 6.625% | — | 4 | −$2,545 | |
| 5 | $3,698 | 6.625% | — | 3 | −$2,449 | |
| 6 | $3,862 | 6.562% | — | 2 | −$2,285 | |
| 7 | $4,254 | 7.058% | — | 2 | −$1,893 | |
| 8 | $4,563 | 7.000% | — | 2 | −$1,584 | |
| 9 | $4,987 | 6.625% | — | 2 | −$1,160 | |
| 10 | $5,737 | 6.870% | — | 6 | −$410 | |
| 11 | $5,852 | 6.875% | — | 2 | −$295 | |
| 12 | $5,889 | 6.875% | — | 16 | −$258 | |
| 13 | $6,014 | 6.990% | — | 87 | −$133 | |
| 14 | $6,050 | 6.990% | — | 10 | −$97 | |
| 15 | $6,100 | 6.812% | — | 2 | −$47 | |
| 16 | $6,107 | 6.875% | — | 41 | −$40 | |
| 17 | $6,528 | 6.875% | — | 191 | +$381 | |
| 18 | $8,094 | 6.750% | — | 8 | +$1,947 | |
| 19 | $10,741 | 6.625% | — | 3 | +$4,594 | |
| 20 | $11,897 | 6.495% | — | 2 | +$5,750 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.