# UNION HOME MORTGAGE CORP.

> **Canonical URL:** https://saferate.com/lenders/union-home-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 HOME MORTGAGE CORP. is a independent mortgage company, headquartered in STRONGSVILLE, OH, serving borrowers nationwide, with 23,240 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 78% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 17% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300RPOGWJRH63HS39
- **Headquarters:** STRONGSVILLE, OH
- **Geographic Reach:** National
- **States Served:** 48
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WI, WV, WY
- **Markets (MSAs):** 50
- **Primary Channel:** mix
- **Direct Origination:** 74.4%
- **Brokered/Wholesale:** 25.6%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 22/100
- Rating: ●●○○○ (2/5)

### Pull Through: Exceptional 🤩
- Score: 83/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.562%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,996
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 23,240
- **Dollar Volume:** $7.1 billion
- **Applications Received:** 30,006
- **Market Share:** 65.00%

## Typical Borrower Profile

- **Average Loan Amount:** $304,636
- **Average Borrower Income:** $127,142
- **Average Property Value:** $372,223

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (62%)
- ⭐ **FHA Gold Superstar** (69%)
- ⭐ **VA Gold Superstar** (62%)
- ⭐ **Purchase Gold Superstar** (62%)
- ⭐ **Refinance Gold Superstar** (69%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 90/100 | 16,094 | +0.553% | $2,830 | Exceptional 🤩 |
| FHA | 91/100 | 4,604 | +0.820% | $3,597 | Exceptional 🤩 |
| VA | 88/100 | 1,770 | -0.076% | $2,890 | Exceptional 🤩 |
| Jumbo | 78/100 | 120 | +0.375% | $3,180 | Strong 😀 |
| USDA | 97/100 | 652 | +0.519% | $2,800 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 13,665 loans, Score: 90/100 (Exceptional)
- Refinance: 2,429 loans, Score: 86/100 (Exceptional)

**FHA:**
- Purchase: 4,195 loans, Score: 91/100 (Exceptional)
- Refinance: 409 loans, Score: 85/100 (Exceptional)

**VA:**
- Purchase: 1,650 loans, Score: 88/100 (Exceptional)
- Refinance: 120 loans, Score: 82/100 (Exceptional)

**Jumbo:**
- Purchase: 111 loans, Score: 79/100 (Strong)

**USDA:**
- Purchase: 645 loans, Score: 97/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 91/100 | 20,266 | $6.2B | +0.586% | Exceptional 🤩 |
| Refinance | 86/100 | 2,974 | $912M | +0.381% | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OH | 3,651 | 2.71% | 91/100 |
| MI | 2,797 | 2.47% | 88/100 |
| FL | 1,846 | 0.63% | 78/100 |
| NC | 1,664 | 1.12% | 81/100 |
| PA | 1,372 | 1.13% | 84/100 |
| IN | 1,275 | 1.40% | 82/100 |
| TX | 1,056 | 0.30% | 74/100 |
| IL | 980 | 0.79% | 80/100 |
| TN | 855 | 0.94% | 80/100 |
| AL | 750 | 1.25% | 84/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 3,542 | 85/100 |
| Columbus, OH | OH | 1,042 | 92/100 |
| Warren | MI | 910 | 84/100 |
| Chicago | IL | 819 | 80/100 |
| Indianapolis | IN | 647 | 83/100 |
| Cincinnati, OH |  | 625 | 87/100 |
| Cleveland, OH | OH | 528 | 82/100 |
| Pittsburgh, PA | PA | 473 | 84/100 |
| Lansing | MI | 458 | 89/100 |
| Toledo, OH | OH | 454 | 95/100 |
| Chattanooga, TN | TN-GA | 374 | 91/100 |
| Ocala, FL | FL | 301 | 88/100 |
| Dallas | TX | 294 | 70/100 |
| Birmingham, AL | AL | 264 | 83/100 |
| Tampa, FL | FL | 260 | 72/100 |

## Where This Lender Ranks

UNION HOME MORTGAGE CORP. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Altoona, PA for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/altoona-pa/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥇 **#1** in Decatur, AL for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/decatur-al/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥈 **#2** in Lansing for USDA Loans
  - [View Full Rankings](https://saferate.com/lansing/best-mortgage-lenders/usda-loans)
- 🥈 **#2** in Lansing for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lansing/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥈 **#2** in Grand Rapids for USDA Loans
  - [View Full Rankings](https://saferate.com/grand-rapids/best-mortgage-lenders/usda-loans)
- 🥈 **#2** in Grand Rapids for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/grand-rapids/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥈 **#2** in Morristown, TN for USDA Loans
  - [View Full Rankings](https://saferate.com/morristown-tn/best-mortgage-lenders/usda-loans)
- 🥈 **#2** in Morristown, TN for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/morristown-tn/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥈 **#2** in La Crosse for FHA Loans
  - [View Full Rankings](https://saferate.com/la-crosse/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in La Crosse for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/la-crosse/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥈 **#2** in Altoona, PA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/altoona-pa/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥈 **#2** in Altoona, PA for USDA Loans
  - [View Full Rankings](https://saferate.com/altoona-pa/best-mortgage-lenders/usda-loans)
- 🥈 **#2** in Decatur, AL for USDA Loans
  - [View Full Rankings](https://saferate.com/decatur-al/best-mortgage-lenders/usda-loans)
- 🥉 **#3** in Warren for USDA Loans
  - [View Full Rankings](https://saferate.com/warren/best-mortgage-lenders/usda-loans)
- 🥉 **#3** in Warren for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/warren/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥉 **#3** in Chattanooga, TN for USDA Loans
  - [View Full Rankings](https://saferate.com/chattanooga-tn/best-mortgage-lenders/usda-loans)
- 🥉 **#3** in Chattanooga, TN for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/chattanooga-tn/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥉 **#3** in Ocala, FL for USDA Loans
  - [View Full Rankings](https://saferate.com/ocala-fl/best-mortgage-lenders/usda-loans)
- 🥉 **#3** in Ocala, FL for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/ocala-fl/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥉 **#3** in Oklahoma for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/mortgage-companies/jumbo-loans)

## Frequently Asked Questions

### What loan types does UNION HOME MORTGAGE CORP. offer?

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

### Where does UNION HOME MORTGAGE CORP. offer mortgages?

UNION HOME MORTGAGE CORP. is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are UNION HOME MORTGAGE CORP.'s mortgage rates?

UNION HOME MORTGAGE CORP. has a pricing score of 22/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.562% above market average.

### What type of lender is UNION HOME MORTGAGE CORP.?

UNION HOME MORTGAGE CORP. is a non-depository lender that specializes in mortgage origination, headquartered in STRONGSVILLE, OH.

### What is UNION HOME MORTGAGE CORP.'s loan approval success rate?

UNION HOME MORTGAGE CORP. has a pull-through score of 83/100 (Exceptional). 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-home-mortgage

### How to Cite

> "UNION HOME MORTGAGE CORP. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/union-home-mortgage

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