What loan types does The Union Bank Company offer?

The Union Bank Company offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing score and performance metrics.

Where does The Union Bank Company offer mortgages?

The Union Bank Company offers mortgages in 29 states: AZ, CO, FL, GA, IL, IN, KY, LA, MA, MD, ME, MI, MO, NC, NH, NJ, NV, NY, OH, OR, PA, RI, SC, TN, UT, VA, WI, WV, WY.

How competitive are The Union Bank Company's mortgage rates?

The Union Bank Company has an overall pricing score of 72.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is The Union Bank Company?

The Union Bank Company is a Bank headquartered in Columbus Grove, OH.

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The Union Bank Company

Bank•Columbus Grove, OHHQ•Direct•Reviews near you on Google

The Union Bank Company has 348 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

FHA · Conventional · VA

Place

Strong

4/5

Near-National · 2 mkts

Awards

Conventional

Superstar

FHA

Superstar

Purchase

Superstar

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees
Nationwide availability with consistent service

Explore another lender or local market

Report Card

The Union Bank Company performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+16.7 bps above market avg

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% of lenders

FHA

Sound

Top 60% of lenders

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Sound

Top 60% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Near-National · 3 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Sound	Strong	Strong	269	77.3%	+0.227%Above	$1,205Fees
FHA Loans	Strong	Sound	Exceptional	Sound	56	16.1%	+0.037%Above	$901Fees
VA Loans	Strong	Sound	—	Strong	18	5.2%	-0.405%Below	$1,270Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Strong

Volume269

Mix77.3%

Spread

+0.227%Above

Fees

$1,205Fees

FHA Loans

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume56

Mix16.1%

Spread

+0.037%Above

Fees

$901Fees

VA Loans

Overall

Strong

Product

Sound

Pricing—

Pull Through

Strong

Volume18

Mix5.2%

Spread

-0.405%Below

Fees

$1,270Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	Strong	Sound	250	71.8%	+0.228%Above	$1,106Fees
Refinance	Sound	Sound	Exceptional	Acceptable	98	28.2%	+0.018%Above	$1,280Fees

Purchase

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume250

Mix71.8%

Spread

+0.228%Above

Fees

$1,106Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Exceptional

Pull Through

Acceptable

Volume98

Mix28.2%

Spread

+0.018%Above

Fees

$1,280Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

348

Applications

515

Volume

$96 million

Pricing & Closing

Avg Rate Spread

+0.167%

vs. market APOR

Avg Net Fees

$1,157

Origination − Credits

Pullthrough Rate

67.6%

Applications → Closed

Typical Borrower

Avg Loan Amount

$276,178

Avg Borrower Income

$120,560

Avg Property Value

$372,414

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

Northeast7

MEMANHNJNYPARI

Midwest6

ILINMIMOOHWI

South10

FLGAKYLAMDNCSCTNVAWV

West6

AZCONVORUTWY

Top Metro Areas by Place Specialization Score

Columbus, OHMetro

Volume 154Mix 44.25% of portfolio

78/100

Strong

Lima, OHMetro

Volume 23Mix 6.61% of portfolio

59/100

Sound

Top States by Place Specialization Score

OhioState

Volume 274Mix 78.74% of portfolio

75/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.