# UNITED MORTGAGE CORP.

> **Canonical URL:** https://saferate.com/lenders/united-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


UNITED MORTGAGE CORP. is a independent mortgage company, headquartered in ALBANY, NY, serving borrowers across 35 states, with 1,897 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 88% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 29% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493005ICQ3QGEIWV618
- **Headquarters:** ALBANY, NY
- **Geographic Reach:** Near-National
- **States Served:** 35
- **State List:** AL, AZ, CA, CO, CT, DE, FL, GA, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MT, NC, NH, NJ, NV, NY, OH, OK, OR, PA, SC, TN, TX, VA, WA, WV
- **Markets (MSAs):** 28
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 12/100
- Rating: ●○○○○ (1/5)

### Pull Through: Strong 😀
- Score: 71/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.658%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,767
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,897
- **Dollar Volume:** $829 million
- **Applications Received:** 2,822
- **Market Share:** 5.00%

## Typical Borrower Profile

- **Average Loan Amount:** $437,161
- **Average Borrower Income:** $159,425
- **Average Property Value:** $551,686

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 69/100 | 1,181 | +0.584% | $4,518 | Strong 😀 |
| FHA | 80/100 | 651 | +0.835% | $5,273 | Exceptional 🤩 |
| VA | 70/100 | 55 | +0.010% | $4,440 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 881 loans, Score: 68/100 (Strong)
- Refinance: 300 loans, Score: 67/100 (Strong)

**FHA:**
- Purchase: 531 loans, Score: 80/100 (Strong)
- Refinance: 120 loans, Score: 79/100 (Strong)

**VA:**
- Purchase: 43 loans, Score: 69/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 73/100 | 1,463 | $680M | +0.689% | Strong 😀 |
| Refinance | 69/100 | 434 | $149M | +0.538% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 827 | 0.73% | 84/100 |
| NJ | 248 | 0.29% | 74/100 |
| PA | 200 | 0.17% | 69/100 |
| FL | 147 | 0.05% | 59/100 |
| TX | 119 | 0.03% | 57/100 |
| OH | 54 | 0.04% | 52/100 |
| CT | 45 | 0.13% | 55/100 |
| GA | 42 | 0.03% | 50/100 |
| SC | 42 | 0.05% | 53/100 |
| TN | 21 | 0.02% | 43/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Nassau County | NY | 521 | 88/100 |
| New York | NY-NJ | 335 | 79/100 |
| Scranton | PA | 121 | 80/100 |
| Non |  | 90 | 46/100 |
| Lakewood | NJ | 81 | 66/100 |
| Newark, NJ | NJ | 71 | 66/100 |
| Dallas | TX | 55 | 56/100 |
| Fort Worth | TX | 34 | 53/100 |
| Atlanta | GA | 28 | 48/100 |
| Cincinnati, OH |  | 28 | 51/100 |
| Columbus, OH | OH | 25 | 50/100 |
| Allentown | PA-NJ | 23 | 52/100 |
| Orlando | FL | 21 | 46/100 |
| Fort Lauderdale | FL | 20 | 47/100 |
| Charleston | SC | 19 | 48/100 |

## Where This Lender Ranks

UNITED MORTGAGE CORP. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#17** in Nassau County for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/nassau-county/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#18** in Nassau County for VA Loans
  - [View Full Rankings](https://saferate.com/nassau-county/best-mortgage-lenders/va-loans)

## Frequently Asked Questions

### What loan types does UNITED MORTGAGE CORP. offer?

UNITED MORTGAGE CORP. 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 UNITED MORTGAGE CORP. offer mortgages?

UNITED MORTGAGE CORP. offers mortgages in 35 states: AL, AZ, CA, CO, CT, DE, FL, GA, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MT, NC, NH, NJ, NV, NY, OH, OK, OR, PA, SC, TN, TX, VA, WA, WV.

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

UNITED MORTGAGE CORP. has a pricing score of 12/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.658% above market average.

### What type of lender is UNITED MORTGAGE CORP.?

UNITED MORTGAGE CORP. is a non-depository lender that specializes in mortgage origination, headquartered in ALBANY, NY.

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

UNITED MORTGAGE CORP. has a pull-through score of 71/100 (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/united-mortgage

### How to Cite

> "UNITED MORTGAGE CORP. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/united-mortgage

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