United Capital Lending was founded in 1998 by President Jack Williamson. Jack saw a need for a local mortgage company that had a wide array of mortgage products but also had an emphasis on customer service. This philosophy served the company well and United Capital quickly grew from 1 office to 5 offices within the first 2 years of being open and production soared. The strength of the company has always been the strength of the branch managers and loan officers that were recruited. The belief that the quality of the employee is more important than the quantity of employees has always been of the utmost importance.

In 2001 United Capital made the important strategic transition from a mortgage broker to a mortgage banker. This allowed the company to control the mortgage transaction from the origination all the way to the closing. This important step made them able to deliver superior service on a very consistent basis because the company controlled the loan from beginning to end. The ability to close loans quickly made the customer experience much more pleasant and gave the company a competitive advantage in acquiring referral partners such as realtors.

In 2008 the company found a new business partner with Peoples Home Equity. PHE President Aaron Wimsatt and UCL owner Jack Williamson had a 15 year business relationship as well as serving on several mortgage related boards such as the Tennessee Association of Mortgage Brokers. Since that time the company has exploded doing over 3 billion in annual originations. The combination of great employees with diverse mortgage products that are priced competitively and close quickly has made for a winning formula. The company has grown to attract national attention as one of the country’s best mortgage bankers. While other lenders have struggled, Peoples Home Equity has continued to grow and prosper. The company currently has 61 offices throughout the country and closes about 3 billion in mortgage loans annually. It will be very exciting to see what the future holds for the company.