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UNION HOME MORTGAGE CORP.
Independent Mortgage Company|STRONGSVILLE, OH|National
Loans Originated
23,240
Applications
30,006
Volume
$7 billion
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Acceptable
Overall Pull Through
Exceptional
Safe Rate Awards⭐FHA Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.562%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,996
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
77.5%
Percentage of applications that result in closed loans
Safe Rate's 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
Report Card
UNION HOME MORTGAGE CORP. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Exceptional | Market Leader | |
VA | Exceptional | Market Leader | |
Jumbo | Strong | Highly Competitive | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Exceptional | Market Leader | |
Places Geographic coverage | Strong | National · 50 metro areas · 48 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$304,636
Average Borrower Income
$127,142
Average Property Value
$372,223
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Exceptional | Acceptable | Strong | 16,094 | 69.3% | +0.553% | $2,830 |
FHA Loans | Strong | Exceptional | Acceptable | Exceptional | 4,604 | 19.8% | +0.820% | $3,597 |
VA Loans | Sound | Exceptional | Acceptable | Strong | 1,770 | 7.6% | -0.076% | $2,890 |
Jumbo Loans | Sound | Strong | Acceptable | Sound | 120 | 0.5% | +0.375% | $3,180 |
USDA Loans | Sound | Exceptional | Mediocre | Strong | 652 | 2.8% | +0.519% | $2,800 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Exceptional | Acceptable | Strong | 20,266 | 87.2% | +0.586% | $3,026 |
Refinance | Strong | Exceptional | Acceptable | Exceptional | 2,974 | 12.8% | +0.381% | $2,774 |
Geographic Coverage
Metro Areas
49
States Served
48
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
AKALARAZCACOCTDCDEFLGAIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVOHOKORPARISCSDTNTXUTVAWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Toledo, OH, OHMSA
Volume: 454Mix: 1.95%
Place Specialization
Exceptional
2
Columbus, OH, OHMSA
Volume: 1,042Mix: 4.48%
Place Specialization
Exceptional
3
Chattanooga, TN, TN-GAMSA
Volume: 374Mix: 1.61%
Place Specialization
Exceptional
4
Lansing, MIMSA
Volume: 458Mix: 1.97%
Place Specialization
Exceptional
5
Ocala, FL, FLMSA
Volume: 301Mix: 1.30%
Place Specialization
Exceptional
6
Cincinnati, OHMSA
Volume: 625Mix: 2.69%
Place Specialization
Exceptional
7
Monroe, MI, MIMSA
Volume: 110Mix: 0.47%
Place Specialization
Exceptional
8
Pittsburgh, PA, PAMSA
Volume: 473Mix: 2.04%
Place Specialization
Exceptional
9
Roanoke, VA, VAMSA
Volume: 168Mix: 0.72%
Place Specialization
Exceptional
10
Warren, MIMSA
Volume: 910Mix: 3.92%
Place Specialization
Exceptional
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
OHState
Volume: 3,651Mix: 15.71%
Place Specialization
Exceptional
2
MIState
Volume: 2,797Mix: 12.04%
Place Specialization
Exceptional
3
PAState
Volume: 1,372Mix: 5.90%
Place Specialization
Exceptional
4
ALState
Volume: 750Mix: 3.23%
Place Specialization
Exceptional
5
INState
Volume: 1,275Mix: 5.49%
Place Specialization
Exceptional
6
NCState
Volume: 1,664Mix: 7.16%
Place Specialization
Exceptional
7
KYState
Volume: 612Mix: 2.63%
Place Specialization
Exceptional
8
TNState
Volume: 855Mix: 3.68%
Place Specialization
Strong
9
ILState
Volume: 980Mix: 4.22%
Place Specialization
Strong
10
FLState
Volume: 1,846Mix: 7.94%
Place Specialization
Strong
Showing 10 of 44 states
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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