-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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MIC-Info: RSA-MD5,RSA,
 BDqto/d8w1kMD7nJmnZvnaMClLuVUeqNQ3F78eTofZIgBYqqhok74XoitlaIEQuO
 JOAxCRLctKNU+LRk4oQ9SA==

<SEC-DOCUMENT>0001262136-04-000001.txt : 20040927
<SEC-HEADER>0001262136-04-000001.hdr.sgml : 20040927
<ACCEPTANCE-DATETIME>20040927133041
ACCESSION NUMBER:		0001262136-04-000001
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20040923
FILED AS OF DATE:		20040927
DATE AS OF CHANGE:		20040927

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			UNITED FINANCIAL MORTGAGE CORP
		CENTRAL INDEX KEY:			0000916823
		STANDARD INDUSTRIAL CLASSIFICATION:	MORTGAGE BANKERS & LOAN CORRESPONDENTS [6162]
		IRS NUMBER:				363440533
		STATE OF INCORPORATION:			IL
		FISCAL YEAR END:			0430

	BUSINESS ADDRESS:	
		STREET 1:		815 COMMERCE DRIVE
		STREET 2:		SUITE 100
		CITY:			OAK BROOK
		STATE:			IL
		ZIP:			60523
		BUSINESS PHONE:		6305717222

	MAIL ADDRESS:	
		STREET 1:		815 COMMERCE DRIVE
		STREET 2:		SUITE 100
		CITY:			OAK BROOK
		STATE:			IL
		ZIP:			60523

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			KRAFT MICHAEL A
		CENTRAL INDEX KEY:			0001262136

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-14127
		FILM NUMBER:		041046700

	BUSINESS ADDRESS:	
		STREET 1:		815 COMMERCE DR
		STREET 2:		SUITE 100
		CITY:			OAK BROOK
		STATE:			IL
		ZIP:			60523
		BUSINESS PHONE:		3125717222

	MAIL ADDRESS:	
		STREET 1:		C/O BARACK FERRAZZANO
		STREET 2:		333 W WACKER #2700
		CITY:			CHICAGO
		STATE:			IL
		ZIP:			60606
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>primary_doc.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0202</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2004-09-23</periodOfReport>

    <notSubjectToSection16>0</notSubjectToSection16>

    <issuer>
        <issuerCik>0000916823</issuerCik>
        <issuerName>UNITED FINANCIAL MORTGAGE CORP</issuerName>
        <issuerTradingSymbol>UFM</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001262136</rptOwnerCik>
            <rptOwnerName>KRAFT MICHAEL A</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>C/O BARACK FERRAZZANO</rptOwnerStreet1>
            <rptOwnerStreet2>333 W WACKER #2700</rptOwnerStreet2>
            <rptOwnerCity>CHICAGO</rptOwnerCity>
            <rptOwnerState>IL</rptOwnerState>
            <rptOwnerZipCode>60606</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>1</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle>EVP</officerTitle>
        </reportingOwnerRelationship>
    </reportingOwner>

    <derivativeTable>
        <derivativeTransaction>
            <securityTitle>
                <value>Options</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>4.74</value>
            </conversionOrExercisePrice>
            <transactionDate>
                <value>2004-09-23</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>A</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionTimeliness>
                <value></value>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>15000</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>0</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <exerciseDate>
                <footnoteId id="F1"/>
            </exerciseDate>
            <expirationDate>
                <value>2014-09-22</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>15000</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>15000</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeTransaction>
    </derivativeTable>

    <footnotes>
        <footnote id="F1">Twenty percent (20%) of the options become immediately exercisable upon granting; and an additional twenty percent (20%) will become exercisable on the anniversary date of granting for each of the next four years</footnote>
    </footnotes>

    <ownerSignature>
        <signatureName>Michael A. Kraft</signatureName>
        <signatureDate>2004-09-27</signatureDate>
    </ownerSignature>
</ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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