# UNION CAPITAL MORTGAGE CORPORATION

> **Canonical URL:** https://saferate.com/lenders/union-capital-mortgage


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


UNION CAPITAL MORTGAGE CORPORATION is a independent mortgage company, headquartered in COLUMBUS, OH, serving borrowers across 3 states, with 477 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 68% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 34% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300EBXH41OP56DQ10
- **Headquarters:** COLUMBUS, OH
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** FL, GA, OH
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 32/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 66/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.313%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,862
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 477
- **Dollar Volume:** $131 million
- **Applications Received:** 591
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $273,616
- **Average Borrower Income:** $141,128
- **Average Property Value:** $341,436

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 60/100 | 388 | +0.298% | $2,773 | Strong 😀 |
| FHA | 62/100 | 70 | +0.638% | $3,434 | Strong 😀 |
| VA | 57/100 | 16 | -0.454% | $2,868 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 362 loans, Score: 62/100 (Strong)
- Refinance: 26 loans, Score: 39/100 (Acceptable)

**FHA:**
- Purchase: 67 loans, Score: 62/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 63/100 | 447 | $118M | +0.327% | Strong 😀 |
| Refinance | 38/100 | 30 | $13M | +0.128% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OH | 469 | 0.35% | 80/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Cleveland, OH | OH | 246 | 83/100 |
| Columbus, OH | OH | 84 | 69/100 |
| Akron, OH | OH | 67 | 72/100 |
| Non |  | 34 | 37/100 |
| Sandusky, OH | OH | 26 | 62/100 |

## Where This Lender Ranks

UNION CAPITAL MORTGAGE CORPORATION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#6** in Sandusky, OH Mortgage Companies
  - [View Full Rankings](https://saferate.com/sandusky-oh/best-mortgage-lenders/mortgage-companies)
- 🏆 **#7** in Sandusky, OH for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/sandusky-oh/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#12** in Sandusky, OH
  - [View Full Rankings](https://saferate.com/sandusky-oh/best-mortgage-lenders)
- 🏆 **#13** in Cleveland, OH Mortgage Companies
  - [View Full Rankings](https://saferate.com/cleveland-oh/best-mortgage-lenders/mortgage-companies)
- 🏆 **#14** in Cleveland, OH for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/cleveland-oh/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#16** in Cleveland, OH for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/cleveland-oh/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#16** in Akron, OH Mortgage Companies
  - [View Full Rankings](https://saferate.com/akron-oh/best-mortgage-lenders/mortgage-companies)
- 🏆 **#17** in Akron, OH for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/akron-oh/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#18** in Sandusky, OH for Conventional Loans
  - [View Full Rankings](https://saferate.com/sandusky-oh/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does UNION CAPITAL MORTGAGE CORPORATION offer?

UNION CAPITAL MORTGAGE CORPORATION offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does UNION CAPITAL MORTGAGE CORPORATION offer mortgages?

UNION CAPITAL MORTGAGE CORPORATION offers mortgages in 3 states: FL, GA, OH.

### How competitive are UNION CAPITAL MORTGAGE CORPORATION's mortgage rates?

UNION CAPITAL MORTGAGE CORPORATION has a pricing score of 32/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.313% above market average.

### What type of lender is UNION CAPITAL MORTGAGE CORPORATION?

UNION CAPITAL MORTGAGE CORPORATION is a non-depository lender that specializes in mortgage origination, headquartered in COLUMBUS, OH.

### What is UNION CAPITAL MORTGAGE CORPORATION's loan approval success rate?

UNION CAPITAL MORTGAGE CORPORATION has a pull-through score of 66/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/union-capital-mortgage

### How to Cite

> "UNION CAPITAL MORTGAGE CORPORATION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/union-capital-mortgage

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