{
  "canonical_url": "https://lendb.ai/lender/united-home-loans-inc-207546",
  "summary": "United Home Loans, Inc. (company NMLS 207546) is a mortgage lender. LenDb lists 29 of its loan officers, with branches in Illinois, each with an individual NMLS ID, licensed states and sources.",
  "lender": {
    "nmls_id": 207546,
    "slug": "united-home-loans-inc-207546",
    "canonical_url": "https://lendb.ai/lender/united-home-loans-inc-207546",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/207546",
    "name": {
      "value": "United Home Loans, Inc.",
      "source": "state_regulator",
      "source_url": "https://www.uhloans.com",
      "verified_at": "2026-10-13"
    },
    "dba_names": [],
    "type": "other",
    "website": {
      "value": "https://www.uhloans.com",
      "source": "state_regulator",
      "source_url": "https://www.uhloans.com",
      "verified_at": "2026-10-13"
    },
    "lo_directory_url": "https://www.uhloans.com/meet-our-team/",
    "hq_state": null,
    "loan_programs": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://www.uhloans.com",
      "verified_at": "2026-10-13"
    },
    "program_approvals": [
      {
        "program": "fha",
        "source": "HUD",
        "as_of": "2026-08",
        "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot"
      }
    ],
    "activity": {
      "source": "HMDA",
      "source_name": "HMDA, FFIEC/CFPB",
      "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
      "as_of_year": 2025,
      "scope": "Home loans the lender funded and reported under HMDA: closed-end mortgages on 1 to 4 unit homes (no home equity lines or reverse mortgages)",
      "third_party_share": 0,
      "includes_brokered": false,
      "years": [
        {
          "year": 2025,
          "loans": 576,
          "by_loan_type": {
            "conventional": 548,
            "fha": 18,
            "va": 8,
            "usda": 2
          },
          "purchase": 414,
          "refinance": 162,
          "other_purpose": 0,
          "jumbo": 24,
          "investor": 31,
          "volume_usd": 249220000
        },
        {
          "year": 2024,
          "loans": 531,
          "by_loan_type": {
            "conventional": 503,
            "fha": 19,
            "va": 8,
            "usda": 1
          },
          "purchase": 465,
          "refinance": 66,
          "other_purpose": 0,
          "jumbo": 6,
          "investor": 34,
          "volume_usd": 210045000
        }
      ],
      "top_states": [
        {
          "state": "IL",
          "loans": 476
        },
        {
          "state": "TN",
          "loans": 22
        },
        {
          "state": "IN",
          "loans": 16
        },
        {
          "state": "FL",
          "loans": 13
        },
        {
          "state": "MI",
          "loans": 11
        }
      ],
      "note": "Counts describe the company, not any one loan officer. Only lenders above the HMDA reporting thresholds file, and LenDb has matched about 70% of HMDA loan volume to lenders it lists, so a lender without HMDA data here may still make these loans."
    },
    "loan_officer_count": 29,
    "disciplinary_check": "not_checked",
    "disciplinary_actions": [],
    "last_verified_at": "2026-10-13"
  },
  "loan_officers": [
    {
      "nmls_id": 215735,
      "slug": "christopher-ulrich-215735",
      "full_name": "Christopher Ulrich",
      "title": "Western Springs Branch Manager, VP of Mortgage Lending",
      "branch_city": "Western Springs",
      "branch_state": "IL",
      "canonical_url": "https://lendb.ai/lo/christopher-ulrich-215735"
    },
    {
      "nmls_id": 207539,
      "slug": "alise-sofiakis-207539",
      "full_name": "Alise Sofiakis",
      "title": "Vice President, Mortgage Lending",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/alise-sofiakis-207539"
    },
    {
      "nmls_id": 1425487,
      "slug": "booker-whitt-1425487",
      "full_name": "Booker Whitt",
      "title": "Mortgage Banker",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/booker-whitt-1425487"
    },
    {
      "nmls_id": 1679954,
      "slug": "declan-hartnett-1679954",
      "full_name": "Declan Hartnett",
      "title": "Chicago Branch Manager, VP of Mortgage Lending",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/declan-hartnett-1679954"
    },
    {
      "nmls_id": 2563076,
      "slug": "jack-huizinga-2563076",
      "full_name": "Jack Huizinga",
      "title": "Mortgage Banker",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/jack-huizinga-2563076"
    },
    {
      "nmls_id": 207322,
      "slug": "jeffrey-dulla-207322",
      "full_name": "Jeff Dulla",
      "title": "Senior VP, Head of Sales and Business Development",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/jeffrey-dulla-207322"
    },
    {
      "nmls_id": 1850194,
      "slug": "jennifer-depaoli-1850194",
      "full_name": "Jennifer DePaoli",
      "title": "Vice President, Mortgage Lending",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/jennifer-depaoli-1850194"
    },
    {
      "nmls_id": 302484,
      "slug": "james-walls-302484",
      "full_name": "Jim Walls",
      "title": "Vice President, Mortgage Lending",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/james-walls-302484"
    },
    {
      "nmls_id": 1507202,
      "slug": "joe-paparone-1507202",
      "full_name": "Joe Paparone",
      "title": "Mortgage Banker",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/joe-paparone-1507202"
    },
    {
      "nmls_id": 1878038,
      "slug": "jordan-leahy-1878038",
      "full_name": "Jordan Leahy",
      "title": "Mortgage Associate",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/jordan-leahy-1878038"
    },
    {
      "nmls_id": 1301393,
      "slug": "julie-phillips-1301393",
      "full_name": "Julie Phillips",
      "title": "Vice President, Mortgage Lending",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/julie-phillips-1301393"
    },
    {
      "nmls_id": 902842,
      "slug": "julie-siragusa-902842",
      "full_name": "Julie Siragusa",
      "title": "Senior Mortgage Banker",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/julie-siragusa-902842"
    },
    {
      "nmls_id": 2551445,
      "slug": "kendrick-rodgers-2551445",
      "full_name": "Kendrick Rodgers",
      "title": "Mortgage Banker",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/kendrick-rodgers-2551445"
    },
    {
      "nmls_id": 1670001,
      "slug": "kurt-ladley-1670001",
      "full_name": "Kurt Ladley",
      "title": "Vice President, Mortgage Lending",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/kurt-ladley-1670001"
    },
    {
      "nmls_id": 1124303,
      "slug": "kyle-cibula-1124303",
      "full_name": "Kyle Cibula",
      "title": "Vice President, Mortgage Lending",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/kyle-cibula-1124303"
    },
    {
      "nmls_id": 989520,
      "slug": "liz-saraceno-989520",
      "full_name": "Liz Saraceno",
      "title": "Vice President, Mortgage Lending",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/liz-saraceno-989520"
    },
    {
      "nmls_id": 211796,
      "slug": "mary-bazan-211796",
      "full_name": "Mary Bazan",
      "title": "Vice President, Mortgage Lending",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/mary-bazan-211796"
    },
    {
      "nmls_id": 215913,
      "slug": "matt-cibula-215913",
      "full_name": "Matt Cibula",
      "title": "Vice President, Mortgage Lending",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/matt-cibula-215913"
    },
    {
      "nmls_id": 2211521,
      "slug": "lance-marrow-2211521",
      "full_name": "McCain Marrow",
      "title": "Nashville Branch Manager, VP of Mortgage Lending",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/lance-marrow-2211521"
    },
    {
      "nmls_id": 215912,
      "slug": "margaret-pound-215912",
      "full_name": "Meg Pound",
      "title": "Vice President, Mortgage Lending",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/margaret-pound-215912"
    },
    {
      "nmls_id": 2236807,
      "slug": "megan-kunath-2236807",
      "full_name": "Megan Kunath",
      "title": "Vice President, Mortgage Lending",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/megan-kunath-2236807"
    },
    {
      "nmls_id": 2159693,
      "slug": "mike-brady-2159693",
      "full_name": "Mike Brady",
      "title": "Mortgage Banker",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/mike-brady-2159693"
    },
    {
      "nmls_id": 215731,
      "slug": "michael-dulla-215731",
      "full_name": "Mike Dulla",
      "title": "President",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/michael-dulla-215731"
    },
    {
      "nmls_id": 213461,
      "slug": "morry-sochat-213461",
      "full_name": "Morry Sochat",
      "title": "Senior Mortgage Banker",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/morry-sochat-213461"
    },
    {
      "nmls_id": 2102736,
      "slug": "patrick-martin-2102736",
      "full_name": "Patrick Martin",
      "title": "Vice President, Mortgage Lending",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/patrick-martin-2102736"
    },
    {
      "nmls_id": 2218928,
      "slug": "ryan-fischer-2218928",
      "full_name": "Ryan Fischer",
      "title": "Vice President, Mortgage Lending",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/ryan-fischer-2218928"
    },
    {
      "nmls_id": 2652219,
      "slug": "sawyer-levos-2652219",
      "full_name": "Sawyer Levos",
      "title": "Mortgage Banker",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/sawyer-levos-2652219"
    },
    {
      "nmls_id": 1065246,
      "slug": "tom-michalak-1065246",
      "full_name": "Tom Michalak",
      "title": "Mortgage Banker",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/tom-michalak-1065246"
    },
    {
      "nmls_id": 1033862,
      "slug": "zlatan-hodzic-1033862",
      "full_name": "Zlatan Hodzic",
      "title": "Vice President, Mortgage Lending",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/zlatan-hodzic-1033862"
    }
  ]
}