Official portrait: unitedstates/images (public domain; source GPO Member Guide)
Rep. Lauren Underwood (D-IL)
House · Democrat (most recent term) · IL-14 · in Congress 2019–present · Bioguide ID U000040
Party history: D 2019–present. Source: term data in unitedstates/congress-legislators (CC0); party shown is as recorded per term there.
Estimated net worth (from public disclosures)
| Estimate | Report year | Low | Mid | High |
|---|---|---|---|---|
| (a) Estimated net worth before entering office (report year 2017) | 2017 | $16,002 | $40,501 | $65,000 |
| (b) Latest net worth estimate | 2025 | −$480,993 | −$309,497 | −$138,001 |
| (c) Estimated gain / loss, nominal dollars, 2017 → 2025 (8 years spanned) | 2017–2025 | −$545,993 | −$349,998 | −$154,003 |
Gain Low = latest Low − earliest High; Gain High = latest High − earliest Low (widest possible spread); Mid = latest Mid − earliest Mid.
Reliability flags (net worth): none for these two endpoints. Included in the recommended dollar-gain ranking.
Net worth by report year (mid; Low–High)
| Report year | Assets (mid) | Liabilities (mid) | Net worth mid | Low … High | Status / flags |
|---|---|---|---|---|---|
| 2017 | $40,501 | $0 | $40,501 | $16,002 … $65,000 | computed |
| 2018 | $65,001 | $0 | $65,001 | $30,002 … $100,000 | computed |
| 2019 | $73,002 | $0 | $73,002 | $31,003 … $115,000 | computed |
| 2020 | $56,502 | $375,000 | −$318,498 | −$481,996 … −$155,001 | computed |
| 2021 | $64,502 | $375,000 | −$310,498 | −$480,995 … −$140,001 | computed |
| 2022 | $81,504 | $375,000 | −$293,496 | −$478,991 … −$108,001 | computed |
| 2023 | $97,005 | $375,000 | −$277,996 | −$476,990 … −$79,001 | computed |
| 2024 | $89,505 | $375,000 | −$285,496 | −$477,990 … −$93,001 | computed |
| 2025 | $65,504 | $375,000 | −$309,497 | −$480,993 … −$138,001 | computed |
- What this is: Net worth = Schedule A assets (each value range at its midpoint; low–high range shown) minus Schedule D liabilities (midpoints / ranges). Low = assets at range floors minus liabilities at range ceilings; Mid = midpoints; High = assets at ceilings minus liabilities at floors. Low and High are outer bounds of the reported ranges, not likely outcomes.
- What it excludes / understates: exact values (only ranges are reported); a personal residence is not reported as an asset (although a mortgage on it may be listed as a liability, which then lowers the estimate); retirement and federal accounts (e.g. Thrift Savings Plan, defined-benefit pensions) are only partly or not reported; assets of excepted/blind trusts, cash held below reporting thresholds, vehicles, household goods and most spouse/dependent items exempt from reporting are not included; liabilities on a personal residence, revolving credit under thresholds and loans to family may be omitted by filers.
- Open-ended top ranges (e.g. “Over $50,000,000”) are counted at their lower bound and flagged, so such values are understated.
- The change is a change in estimated net worth in nominal dollars (no inflation adjustment). It includes salary, gifts, inheritances, business income and re-valuation as well as investment results, and it is subject to range-bracket noise; it is not an investment return and implies nothing about conduct.
Read this first. Members report asset values only as ranges (e.g. “$15,001 – $50,000”), never exact dollars. Every figure below is an estimate computed from range midpoints, not a measured return. Figures cannot be interpreted as investment performance, and they do not show wrongdoing or skill. Methodology and limitations are at the end and in the project README. Sources: public financial disclosure reports filed with the Clerk of the U.S. House of Representatives and/or the Secretary of the Senate (Senate eFD), linked below.
Avg. annual change (geometric, est.)-11.0%
Simple average of years-9.0%
Years estimated4
Best / worst single year2023 +10%
2020 -33%
2020 -33%
Reliability flags: few years (4); 1 scanned filing(s) not used.
Sensitivity band for the average (all ranges at floor vs. all at ceiling, same holdings both years): -13.7% to -10.3%. This band is narrow because it moves both years together; the true uncertainty is larger — see the per-year “strict envelope” column and the limitations.
Estimated year-over-year change
Bars: midpoint estimate; whisker: same-position floor/ceiling band. Axis clipped to −100%…+150%. Years with insufficient traceable holdings are omitted.
| Year (t−1 → t) | Opening value (mid) | Closing value (mid) | Income (mid) | Buys (mid) | Sales (mid) | Est. gain | Same-position band | Strict envelope | Traced coverage | Status / flags |
|---|---|---|---|---|---|---|---|---|---|---|
| 2017→2018 | $40,501 | $65,001 | $1,201 | $0 | $0 | +63.5% | +56.9% … +90.0% | -85% … +212% | 100% | excluded; not eligible: traced prior-year value below $50,000 |
| 2018→2019 | $32,500 | $32,500 | $100 | $0 | $0 | +0.3% | +0.0% … +0.4% | -108% … +108% | 50% | excluded; not eligible: traced prior-year value below $50,000 |
| 2019→2020 | $73,002 | $56,502 | $701 | $8,000 | $0 | -32.6% | -44.5% … -29.4% | -153% … +88% | 100% | counted; many new/exited positions |
| 2020→2021 | $48,502 | $48,502 | $600 | $0 | $8,000 | +17.7% | +7.1% … +20.0% | -127% … +163% | 86% | excluded; not eligible: traced prior-year value below $50,000 |
| 2021→2022 | $64,502 | $57,503 | $701 | $8,000 | $0 | -22.2% | -24.4% … -9.5% | -166% … +121% | 100% | counted |
| 2022→2023 | $81,504 | $89,004 | $600 | $0 | $0 | +9.9% | +5.7% … +10.6% | -147% … +167% | 100% | counted |
| 2023→2024 | $56,004 | $48,504 | $0 | $0 | $0 | -13.4% | -14.3% … -13.3% | -177% … +150% | 58% | excluded; not eligible: traced coverage 58% < 60% |
| 2024→2025 | $89,004 | $65,003 | $0 | $0 | $32,002 | +9.0% | +4.5% … +9.6% | -149% … +167% | 99% | counted |
Filings used
Each annual-report year uses one filing (most recently filed version among originals/amendments whose Schedule A row count is ≥ 40% of the largest). Electronic (text) PDFs are parsed. Scanned/image-only filings are OCR-read and used only if they pass the explicit validation gates described in the project README (value/income coverage, two-engine agreement, exact bracket snapping, page completeness, year-to-year position continuity); such years are labelled OCR-derived below. Scanned filings that fail validation are listed as “insufficient data – scanned”.
| Report year | Doc ID | Type | Filed | Schedule A rows | Rows with unparsed value | Source (official filing) / SHA-256 |
|---|---|---|---|---|---|---|
| 2017 | 10032442 | House amendment | 1/13/2020 | 2 | 0 | 10032442.pdf1bc424f393e475e57a94203b9a0b72d0183ec896b4c5f5f8574735a83e3b6f14 |
| 2018 | 10032443 | House amendment | 1/13/2020 | 2 | 0 | 10032443.pdf701eee7f7a2cca46432e8e55b6e4e8f285e09f6221ca8b178b9b654f265f7f9f |
| 2019 | 10036600 | House annual | 8/13/2020 | 3 | 0 | 10036600.pdfb5b7be3b5330a1d37b93daf4820012a99ea9f0258a70d844d5995807528f5ad9 |
| 2020 | 10041518 | House annual | 8/13/2021 | 4 | 0 | 10041518.pdf3051586ed06c1906ca896f0574f5e629ac658dc3e1d7acabde752d99f5c7ebfd |
| 2021 | 10047146 | House annual | 5/16/2022 | 5 | 0 | 10047146.pdf05f1e2a8bc4816b57fbb28db0b97352d019b441eabf4140f75a0bc275240413f |
| 2022 | 10052606 | House annual | 5/15/2023 | 9 | 0 | 10052606.pdfe76bf67c5e90e11a32bfce2db93f9e09835cea798b0d5ed82dc104077625d998 |
| 2023 | 10058869 | House annual | 5/15/2024 | 10 | 0 | 10058869.pdf5032b07f7e345736306594b3d16f376eef5c42505a65c92c0547593d6f0be2f0 |
| 2024 | 10066450 | House annual | 8/7/2025 | 10 | 0 | 10066450.pdf4a284fe05b9fd6f53a23492e02b0f5c80783bf641ed795feccc85798c7586ceb |
| 2025 | 10075904 | House annual | 5/13/2026 | 10 | 0 | 10075904.pdf15d1cee6cd03fd8233fcd17e24c85976f6e73cff436aaba1ea73d18ff404dc9b |
Scanned filings not used — insufficient data – scanned
| Index year | Doc ID | Type | Filed | OCR status | Source |
|---|---|---|---|---|---|
| 2018 | 9114450 | A | 3/5/2019 | not OCR-processed (outside scope: report year before 2012, or not needed for rankability) | 9114450.pdf |
Largest movers 2021→2022
| Position (as written in filing) | Owner | Kind | Opening range(s) | Closing range(s) | Buys (mid) | Sales (mid) |
|---|---|---|---|---|---|---|
| Fidelity Health Savings Account ⇒ Nuveen Winslow Large Cap Growth ESG CL A (NWCAX) [MF] | — | held | $1,001 - $15,000 | $1 - $1,000 | $0 | $0 |
| Vanguard Roth IRA ⇒ Vanguard Target Retirement 2070 Fund (VSVNX) [MF] | — | new | — | $1 - $1,000 | $8,000 | $0 |
| Fidelity Health Savings Account ⇒ Fidelity 500 Index Fund (FXAIX) [MF] | — | held | $1,001 - $15,000 | $1,001 - $15,000 | $0 | $0 |
| Fidelity Investment ⇒ Vanguard 500 Index Fund (VFIAX) [MF] | — | held | $15,001 - $50,000 | $15,001 - $50,000 | $0 | $0 |
| Government Printing Office Federal Credit Union [BA] | — | held | $1,001 - $15,000 | $1,001 - $15,000 | $0 | $0 |
| Fidelity Health Savings Account ⇒ Fidelity US Sustainability Fund (FITLX) [MF] | — | held | $1,001 - $15,000 | $1,001 - $15,000 | $0 | $0 |
Largest movers 2022→2023
| Position (as written in filing) | Owner | Kind | Opening range(s) | Closing range(s) | Buys (mid) | Sales (mid) |
|---|---|---|---|---|---|---|
| Vanguard Roth IRA ⇒ Vanguard Target Retirement 2070 Fund (VSVNX) [MF] | — | held | $1 - $1,000 | $1,001 - $15,000 | $0 | $0 |
| DuPage Credit Union [BA] | — | held | $1,001 - $15,000 | $1,001 - $15,000 | $0 | $0 |
| Fidelity Health Savings Account ⇒ Fidelity US Sustainability Fund (FITLX) [MF] | — | held | $1,001 - $15,000 | $1,001 - $15,000 | $0 | $0 |
| Alliant Credit Union [BA] | — | held | $1,001 - $15,000 | $1,001 - $15,000 | $0 | $0 |
| Fidelity Health Savings Account ⇒ Fidelity 500 Index Fund (FXAIX) [MF] | — | held | $1,001 - $15,000 | $1,001 - $15,000 | $0 | $0 |
| Fidelity Investment ⇒ Vanguard 500 Index Fund (VFIAX) [MF] | — | held | $15,001 - $50,000 | $15,001 - $50,000 | $0 | $0 |
| Vanguard Roth IRA ⇒ Vanguard FTSE Social Index Fund Admiral Shares (VFTAX) [MF] | — | held | $1,001 - $15,000 | $1,001 - $15,000 | $0 | $0 |
| Government Printing Office Federal Credit Union [BA] | — | held | $1,001 - $15,000 | $1,001 - $15,000 | $0 | $0 |
Largest movers 2024→2025
| Position (as written in filing) | Owner | Kind | Opening range(s) | Closing range(s) | Buys (mid) | Sales (mid) |
|---|---|---|---|---|---|---|
| Fidelity Investment ⇒ Vanguard 500 Index Fd Admiral Shs (VFIAX) [MF] | — | held | $15,001 - $50,000 | $15,001 - $50,000 | $0 | $24,002 |
| Fidelity Health Savings Account ⇒ Fidelity 500 Index Fund (FXAIX) [MF] | — | held | $1,001 - $15,000 | None | $0 | $0 |
| Alliant Credit Union [BA] | — | held | $1,001 - $15,000 | $1 - $1,000 | $0 | $0 |
| Fidelity Health Savings Account ⇒ Nuveen Winslow Large-Cap Growth ESG Fund Class A (NWCAX) | — | held | $1 - $1,000 | None | $0 | $0 |
| DuPage Credit Union [BA] | — | held | $1,001 - $15,000 | $1,001 - $15,000 | $0 | $0 |
| Vanguard Roth IRA ⇒ Vanguard FTSE Social Index Fund Admiral Shares (VFTAX) [MF] | — | held | $1,001 - $15,000 | $1,001 - $15,000 | $0 | $0 |
| Government Printing Office Federal Credit Union [BA] | — | held | $1,001 - $15,000 | $1,001 - $15,000 | $0 | $0 |
| Fidelity Health Savings Account ⇒ Fidelity U.S. Sustainability Index Fund (FITLX) [MF] | — | held | $1,001 - $15,000 | None | $0 | $8,000 |
Method (summary)
- Schedule A asset rows are read from each annual report; the dollar range for each row is converted to its midpoint. Open-ended top ranges (“Over $50,000,000”) are excluded from the traced set and counted as a coverage loss.
- Positions are matched year to year by owner code (self/SP/DC/JT) + normalised asset name. A position that appears only in year t is included only if Schedule B shows a purchase of it in year t (opening value 0); a position that disappears is included only if Schedule B shows a sale (closing value 0). Otherwise it is excluded as unexplained.
- Estimated gain = (closing − opening + reported income − purchases + sale proceeds) ÷ opening, all at midpoints, for the traced positions. “Capital gains” income is not added again (it is already in value change and sale proceeds).
- A year counts only if traced opening value ≥ $50,000 and traced coverage ≥ 60% of the opening midpoint. A member is ranked only with ≥ 3 such years (exactly 2 = “limited data”, shown but unranked). Average = geometric mean of (1+yearly estimate).
Limitations
- Ranges are wide (up to a factor of 5 or more, and up to $50M+ open-ended); a holding can move between ranges without any real change in value, and stay in a range while moving materially. Yearly estimates are therefore noisy; the “strict envelope” shows the mathematical worst/best case and is typically wider than ±100%.
- Purchases and sales are only disclosed as ranges and only for transactions over $1,000; partial sales, dividend reinvestment, spousal/dependent accounts and retirement-plan funds are reported inconsistently. Excepted/blind trusts, personal residences and certain pensions are not reported at all.
- Filers sometimes change how they list assets (e.g. listing a brokerage account vs. its individual holdings), which can make positions untraceable across years; these are excluded rather than guessed.
- Asset values in an annual report are as of Dec 31 of the reporting year; the report year t−1→t covers that calendar year. Late or amended filings are used when filed; extensions can delay them.
- The text of these reports is machine-parsed from PDFs; parse errors are possible. Every number links back to the cited filing. This is not investment advice.
- Use of these filings is restricted by 5 U.S.C. § 105(c) (no unlawful, commercial or credit-rating purpose, and none for solicitation of money).
Generated 2026-10-01 by an automated pipeline. Data: Office of the Clerk, U.S. House of Representatives (disclosures-clerk.house.gov); member roster: unitedstates/congress-legislators (CC0).