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UNION CAPITAL MORTGAGE CORPORATION
Independent Mortgage Company|COLUMBUS, OH|Regional
Loans Originated
477
Applications
591
Volume
$130 million
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+0.313%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,862
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
80.7%
Percentage of applications that result in closed loans
Safe Rate's 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
Report Card
UNION CAPITAL MORTGAGE CORPORATION performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Strong | Regional · 5 metro areas · 3 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$273,616
Average Borrower Income
$141,128
Average Property Value
$341,436
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% | $2,773 |
FHA Loans | Sound | Strong | Acceptable | Strong | 70 | 14.7% | +0.638% | $3,434 |
VA Loans | Sound | Sound | N/A | Sound | 16 | 3.4% | -0.454% | $2,868 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Acceptable | Strong | 447 | 93.7% | +0.327% | $2,826 |
Refinance | Acceptable | Acceptable | Mediocre | Strong | 30 | 6.3% | +0.128% | $3,333 |
Geographic Coverage
Metro Areas
4
States Served
3
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
FLGAOH
Top Metro Areas by Place Specialization Score
1
Cleveland, OH, OHMSA
Volume: 246Mix: 51.57%
Place Specialization
Exceptional
2
Akron, OH, OHMSA
Volume: 67Mix: 14.05%
Place Specialization
Strong
3
Columbus, OH, OHMSA
Volume: 84Mix: 17.61%
Place Specialization
Strong
4
Sandusky, OH, OHMSA
Volume: 26Mix: 5.45%
Place Specialization
Strong
Top States by Place Specialization Score
1
OHState
Volume: 469Mix: 98.32%
Place Specialization
Exceptional
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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