What loan types does Union Home Mortgage offer?

Union Home Mortgage offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, usda. Each product has its own pricing score and performance metrics.

Where does Union Home Mortgage offer mortgages?

Union Home Mortgage is a national lender offering mortgages in all 50 states plus Washington D.C.

How competitive are Union Home Mortgage's mortgage rates?

Union Home Mortgage has an overall pricing score of 21.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Union Home Mortgage?

Union Home Mortgage is a Independent Mortgage Company headquartered in STRONGSVILLE, OH.

Unclaimed

Union Home Mortgage

Independent Mortgage Company•Strongsville, OHHQ•Direct & Wholesale•Reviews near you on Google

Union Home Mortgage's 23.2k closed loans and 30k applications, benchmarked 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

Exceptional

5/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · Jumbo · USDA

Place

Strong

4/5

National · 49 mkts

Awards

Conventional

Superstar

FHA

Superstar

USDA

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Strong pull through performance
High volume lender with significant market experience
Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
Nationwide availability with consistent service

Things to Think About

Rates typically 56 basis points above market average

Explore another lender or local market

Report Card

Union Home Mortgage performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+56.2 bps above market avg

Pull Through

Closing strength

Exceptional

Top 20% of lenders

By Loan Product· Specialization by type

Conventional

Exceptional

Top 10% of lenders

FHA

Exceptional

Top 10% of lenders

Exceptional

Top 20% of lenders

Jumbo

Strong

Top 40% of lenders

USDA

Exceptional

Top 5% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 10% of lenders

Refinance

Exceptional

Top 20% of lenders

By Location· Geographic coverage

Geographic Reach

National · 50 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	Exceptional	Acceptable	Strong	16,094	69.3%	+0.553%Above	$2,830Fees
FHA Loans	Strong	Exceptional	Acceptable	Exceptional	4,604	19.8%	+0.820%Above	$3,597Fees
VA Loans	Strong	Exceptional	Acceptable	Strong	1,770	7.6%	-0.076%Below	$2,890Fees
Jumbo Loans	Sound	Strong	Acceptable	Sound	120	0.5%	+0.375%Above	$3,180Fees
USDA Loans	Strong	Exceptional	Mediocre	Strong	652	2.8%	+0.519%Above	$2,800Fees

Conventional

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume16,094

Mix69.3%

Spread

+0.553%Above

Fees

$2,830Fees

FHA Loans

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Exceptional

Volume4,604

Mix19.8%

Spread

+0.820%Above

Fees

$3,597Fees

VA Loans

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume1,770

Mix7.6%

Spread

-0.076%Below

Fees

$2,890Fees

Jumbo Loans

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Sound

Volume120

Mix0.5%

Spread

+0.375%Above

Fees

$3,180Fees

USDA Loans

Overall

Strong

Product

Exceptional

Pricing

Mediocre

Pull Through

Strong

Volume652

Mix2.8%

Spread

+0.519%Above

Fees

$2,800Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Exceptional	Acceptable	Strong	20,266	87.2%	+0.586%Above	$3,026Fees
Refinance	Strong	Exceptional	Acceptable	Exceptional	2,974	12.8%	+0.381%Above	$2,774Fees

Purchase

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume20,266

Mix87.2%

Spread

+0.586%Above

Fees

$3,026Fees

Refinance

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Exceptional

Volume2,974

Mix12.8%

Spread

+0.381%Above

Fees

$2,774Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

23,240

Applications

30,006

Volume

$7 billion

Pricing & Closing

Avg Rate Spread

+0.562%

vs. market APOR

Avg Net Fees

$2,996

Origination − Credits

Pullthrough Rate

77.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$304,636

Avg Borrower Income

$127,142

Avg Property Value

$372,223

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

CTMEMANHNJPARI

Midwest12

IAILINKSMIMNMONDNEOHSDWI

South17

ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV

West12

AKAZCACOIDMTNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© Chris Rycroft from Madison, Wisconsin, United States · CC BY 2.0

Toledo, OHMetro

Volume 454Mix 1.95% of portfolio

95/100

Exceptional

2© 归零者 · CC BY-SA 4.0

Columbus, OHMetro

Volume 1,042Mix 4.48% of portfolio

92/100

Exceptional

3© James Pressley · CC BY-SA 3.0

Chattanooga, TN, TN-GAMetro

Volume 374Mix 1.61% of portfolio

91/100

Exceptional

Lansing, MIMetro

Volume 458Mix 1.97% of portfolio

89/100

Exceptional

Ocala, FLMetro

Volume 301Mix 1.30% of portfolio

88/100

Exceptional

Cincinnati, OHMetro

Volume 625Mix 2.69% of portfolio

87/100

Exceptional

Monroe, MIMetro

Volume 110Mix 0.47% of portfolio

85/100

Exceptional

Pittsburgh, PAMetro

Volume 473Mix 2.04% of portfolio

84/100

Exceptional

Roanoke, VAMetro

Volume 168Mix 0.72% of portfolio

84/100

Exceptional

Warren, MIMetro

Volume 910Mix 3.92% of portfolio

84/100

Exceptional

Showing 10 of 49 metro areas

Top States by Place Specialization Score

OhioState

Volume 3,651Mix 15.71% of portfolio

91/100

Exceptional

MichiganState

Volume 2,797Mix 12.04% of portfolio

88/100

Exceptional

PennsylvaniaState

Volume 1,372Mix 5.90% of portfolio

84/100

Exceptional

AlabamaState

Volume 750Mix 3.23% of portfolio

84/100

Exceptional

IndianaState

Volume 1,275Mix 5.49% of portfolio

82/100

Exceptional

North CarolinaState

Volume 1,664Mix 7.16% of portfolio

81/100

Exceptional

KentuckyState

Volume 612Mix 2.63% of portfolio

81/100

Exceptional

TennesseeState

Volume 855Mix 3.68% of portfolio

80/100

Strong

IllinoisState

Volume 980Mix 4.22% of portfolio

80/100

Strong

FloridaState

Volume 1,846Mix 7.94% of portfolio

78/100

Strong

Showing 10 of 44 states

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.