At a glance
From its website, read 2 Nov 2026United Housing, Inc. is a loan fund based in Memphis, Tennessee. Its website describes home repair loans. Stated loan amounts run from $5,000 to $25,000. Where it lends: City of Memphis (901HELP home repair loans). You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Phone | (901) 272-1122 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.uhinc.org |
| Office (official list) | 355 N Merton St., Memphis, TN 38112 |
What their website says about applying
The loan application is available online. You can use the button to start the process.
sourceIf you do not have internet access and need to request a printed copy of the application, please call 901-272-1122.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Who qualifies, in their words
- Income limit applies
901HELP has income limits. The total income for all residents living in the home cannot exceed the limits listed below.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 24 Jun 2026 |
| RSSD ID | — (none listed) |
| Address | 355 N Merton St., Memphis, TN 38112 Directions (Google Maps) |
| Website | www.uhinc.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 4 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. The Cherry Mortgage program is currently not accepting applications, so it is excluded. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Home repair / improvement loans | $5,000 – $25,000 | 901HELP provides 10-year, low-interest home repair loans between $5,000 and $25,000 to low and moderate-income homeowners in the | source |
Loan sizes
between $5,000 and $25,000 to low and moderate-income homeowners in the City of Memphis who meet income and other eligibility requirements.
source
Range used for the size filter: $5,000 to $25,000
Service area
City of Memphis (901HELP home repair loans)
between $5,000 and $25,000 to low and moderate-income homeowners in the City of Memphis who meet income and other eligibility requirements.
source
Counties this matches: Shelby County, TN
Borrower focus
- Low- and moderate-income / underserved
between $5,000 and $25,000 to low and moderate-income homeowners in the City of Memphis who meet income and other eligibility requirements.
source
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. The loan application is available online. You can use the button to start the process.
source
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- What is the APR, including fees, on your home repair loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - How long can I take to repay?
No repayment terms are stated on their website. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$340,000 in 2 awards from the U.S. Treasury's CDFI Fund, 2002–2021 (CDFI Program, Financial Assistance; CDFI Program, Technical Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2021 | CDFI Program, Technical Assistance | $125,000 |
| 2002 | CDFI Program, Financial Assistance | $215,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Size of the fund (IRS Form 990)
Fiscal year ending Jun 2023| Total assets | $15.3M |
|---|---|
| Total liabilities | $4.3M |
| Net assets | $11M |
| Total revenue | $8.6M |
| Notes and loans receivable, net (Part X line 7) | $2.9M |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending June 2023 (tax year 2022; EIN 62-1597364, filed as “UNITED HOUSING INC”), taken from the IRS Annual Extract of Tax-Exempt Organization Financial Data (returns processed in 2024). Figures are self-reported to the IRS, not audited by us, and lag one to two years behind today. The lender’s own annual report may show newer numbers. This organisation’s filings on ProPublica Nonprofit Explorer
Filings over time
| Fiscal year ending | Total assets | Net assets | Revenue | Notes and loans receivable |
|---|---|---|---|---|
| Jun 2021 (990) | $14.6M | $10M | $4.9M | $1.1M |
| Jun 2022 (990) | $16.3M | $9.7M | $3.8M | $2M |
| Jun 2023 (990) | $15.3M | $11M | $8.6M | $2.9M |
Total assets grew 5% from Jun 2021 to Jun 2023; notes and loans receivable rose 180%. One row per fiscal year in the IRS extracts of returns processed in 2022, 2023, 2024; “—” = the line was empty or zero on that return (a fund can book its loans on other lines).
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Largest loan its website states | $25,000 | Other loan funds whose website states a maximum: median $275,000. Higher than the stated maximum of 5% of these 184. |
| Total assets, latest IRS Form 990 | $15.3M | Larger than 29% of the 7 other certified loan funds and venture funds in Tennessee with a matched Form 990 (median $48.6M). |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Largest stated loan | other loan funds stating a maximum, nationwide | 184 | higher than 5% |
| Form 990 total assets | certified loan and venture funds with a Form 990, in Tennessee | 7 | larger than 29% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Form 990 figures: IRS annual extracts (see the Form 990 section).
Other certified CDFIs in Memphis and Tennessee
- Orion Federal Credit UnionCredit union · Memphis, TNAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- River City Capital Investment, LLC.Loan fund · Memphis, TNCommercial real estate loans, Equipment loans, Small-business loansVerified
- Affordable Housing Resources, Inc.Loan fund · Nashville, TNHome mortgagesVerified
- BetterFiLoan fund · Chattanooga, TNCredit-builder loans, Small-dollar / emergency loans, Personal / consumer loans, Small-business loansVerified
- Carroll Bank and TrustBank or thrift · Huntingdon, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Centennial BankBank or thrift · Trezevant, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
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