United Built Homes, L.L.C.: 2025 mortgage rates, costs & approvals
How United Built Homes, L.L.C. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: UNITED BUILT HOMES, L.L.C. · LEI 549300HTRLFU2IIL4380
In 2025, United Built Homes, L.L.C. originated 281 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 5 states — 1017th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 8.99% (all lenders: 6.625%).
It denied 43.9% of completed home-purchase applications (all lenders: 8.5%).
How United Built Homes, L.L.C. priced home-purchase loans
| Purchase loans, 2025 | United Built Homes, L.L.C. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 8.990% | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | — | +0.13 pts |
| Total loan costs · conventional | — | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | — | $1,860 |
| Borrowers paying discount points | — | 51.3% |
| Points paid, when paid (% of loan) | — | 0.87% |
| Borrowers receiving lender credits | — | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why United Built Homes, L.L.C. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where United Built Homes, L.L.C. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Texas | 181 | 571 | 42.6% | 8.990% | — |
| Louisiana | 35 | 116 | 36.2% | 8.990% | — |
| Arkansas | 32 | 171 | 53.8% | 8.990% | — |
| Oklahoma | 32 | 93 | 43.0% | 8.990% | — |
| Missouri | 1 | 4 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open United Built Homes, L.L.C.'s page for that state.
Counties where United Built Homes, L.L.C. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| West Carroll Parish, LA | 8 | 2 | 3.7% |
| Panola County, TX | 7 | 5 | 3.3% |
| Morehouse Parish, LA | 9 | 4 | 3.2% |
| Morris County, TX | 9 | 4 | 3.1% |
| Little River County, AR | 10 | 3 | 2.8% |
| Red River Parish, LA | 15 | 1 | 2.6% |
| Concordia Parish, LA | 8 | 2 | 2.4% |
| Bienville Parish, LA | 14 | 1 | 2.2% |
| Winn Parish, LA | 18 | 1 | 2.0% |
| Hempstead County, AR | 12 | 3 | 2.0% |
| Jackson County, TX | 12 | 2 | 2.0% |
| Columbia County, AR | 9 | 3 | 1.8% |
| Shelby County, TX | 16 | 2 | 1.7% |
| Goliad County, TX | 23 | 1 | 1.7% |
| Houston County, TX | 17 | 2 | 1.7% |
Check United Built Homes, L.L.C. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300HTRLFU2IIL4380.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from United Built Homes, L.L.C. with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology