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 score and performance metrics.

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 an overall pricing score of 31.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Union Capital Mortgage Corporation?

Union Capital Mortgage Corporation is a Independent Mortgage Company headquartered in COLUMBUS, OH.

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Union Capital Mortgage Corporation

Independent Mortgage Company•Columbus, OHHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Union Capital Mortgage Corporation — 477 loans across 591 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

FHA · Conventional · VA

Place

Strong

4/5

Regional · 4 mkts

Summary

What They Do Well

Strong pull through performance
Particularly strong in Conventional and FHA loans

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

Union Capital Mortgage Corporation performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+31.3 bps above market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Strong

Top 40% of lenders

FHA

Strong

Top 40% of lenders

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Strong

Top 40% of lenders

Refinance

Acceptable

Bottom 40% of lenders

By Location· Geographic coverage

Geographic Reach

Regional · 5 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	Sound	Strong	Acceptable	Strong	388	81.3%	+0.298%Above	$2,773Fees
FHA Loans	Sound	Strong	Acceptable	Strong	70	14.7%	+0.638%Above	$3,434Fees
VA Loans	Sound	Sound	—	Sound	16	3.4%	-0.454%Below	$2,868Fees

Conventional

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume388

Mix81.3%

Spread

+0.298%Above

Fees

$2,773Fees

FHA Loans

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume70

Mix14.7%

Spread

+0.638%Above

Fees

$3,434Fees

VA Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through

Sound

Volume16

Mix3.4%

Spread

-0.454%Below

Fees

$2,868Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Strong	Acceptable	Strong	447	93.7%	+0.327%Above	$2,826Fees
Refinance	Acceptable	Acceptable	Mediocre	Strong	30	6.3%	+0.128%Above	$3,333Fees

Purchase

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume447

Mix93.7%

Spread

+0.327%Above

Fees

$2,826Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing

Mediocre

Pull Through

Strong

Volume30

Mix6.3%

Spread

+0.128%Above

Fees

$3,333Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

477

Applications

591

Volume

$130 million

Pricing & Closing

Avg Rate Spread

+0.313%

vs. market APOR

Avg Net Fees

$2,862

Origination − Credits

Pullthrough Rate

80.7%

Applications → Closed

Typical Borrower

Avg Loan Amount

$273,616

Avg Borrower Income

$141,128

Avg Property Value

$341,436

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

Midwest1

South2

FLGA

Top Metro Areas by Place Specialization Score

Cleveland, OHMetro

Volume 246Mix 51.57% of portfolio

83/100

Exceptional

Akron, OHMetro

Volume 67Mix 14.05% of portfolio

72/100

Strong

Columbus, OHMetro

Volume 84Mix 17.61% of portfolio

69/100

Strong

Sandusky, OHMetro

Volume 26Mix 5.45% of portfolio

62/100

Strong

Top States by Place Specialization Score

OhioState

Volume 469Mix 98.32% of portfolio

80/100

Exceptional

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.