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Union Home Mortgage's 23.2k closed loans and 30k applications, benchmarked against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Acceptable
vs. all lenders
Pull Through
Exceptional
closing strength
Products
Exceptional
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
National · 49 mkts
Safe Rate Awards⭐FHA Superstar⭐Refinance Superstar
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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
Explore another lender or local market
Report Card
Union Home Mortgage Corp. performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Near industry average +56.2 bps above market avg | |
Pull Through Closing strength | Market Leader Top 20% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Market Leader Top 10% of lenders | |
FHA | Market Leader Top 10% of lenders | |
VA | Market Leader Top 20% of lenders | |
Jumbo | Highly Competitive Top 40% of lenders | |
USDA | Market Leader Top 5% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 10% of lenders | |
Refinance | Market Leader Top 20% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Highly Competitive Top 40% of lenders National50 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 16,094 | 69.3% | +0.553%Above | $2,830Fees | ||||
FHA Loans | 4,604 | 19.8% | +0.820%Above | $3,597Fees | ||||
VA Loans | 1,770 | 7.6% | -0.076%Below | $2,890Fees | ||||
Jumbo Loans | 120 | 0.5% | +0.375%Above | $3,180Fees | ||||
USDA Loans | 652 | 2.8% | +0.519%Above | $2,800Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 20,266 | 87.2% | +0.586%Above | $3,026Fees | ||||
Refinance | 2,974 | 12.8% | +0.381%Above | $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
49
States Served
48
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
AKALARAZCACOCTDCDEFLGAIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVOHOKORPARISCSDTNTXUTVAWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Toledo, OH, OHMSA
Volume: 454Mix: 1.95%of portfolio
Place
Exceptional2
Columbus, OH, OHMSA
Volume: 1,042Mix: 4.48%of portfolio
Place
Exceptional3
Chattanooga, TN, TN-GAMSA
Volume: 374Mix: 1.61%of portfolio
Place
Exceptional4
Lansing, MIMSA
Volume: 458Mix: 1.97%of portfolio
Place
Exceptional5
Ocala, FL, FLMSA
Volume: 301Mix: 1.30%of portfolio
Place
Exceptional6
Cincinnati, OHMSA
Volume: 625Mix: 2.69%of portfolio
Place
Exceptional7
Monroe, MI, MIMSA
Volume: 110Mix: 0.47%of portfolio
Place
Exceptional8
Pittsburgh, PA, PAMSA
Volume: 473Mix: 2.04%of portfolio
Place
Exceptional9
Roanoke, VA, VAMSA
Volume: 168Mix: 0.72%of portfolio
Place
Exceptional10
Warren, MIMSA
Volume: 910Mix: 3.92%of portfolio
Place
ExceptionalShowing 10 of 49 metro areas
Top States by Place Specialization Score
1
OHState
Volume: 3,651Mix: 15.71%of portfolio
Place
Exceptional2
MIState
Volume: 2,797Mix: 12.04%of portfolio
Place
Exceptional3
PAState
Volume: 1,372Mix: 5.90%of portfolio
Place
Exceptional4
ALState
Volume: 750Mix: 3.23%of portfolio
Place
Exceptional5
INState
Volume: 1,275Mix: 5.49%of portfolio
Place
Exceptional6
NCState
Volume: 1,664Mix: 7.16%of portfolio
Place
Exceptional7
KYState
Volume: 612Mix: 2.63%of portfolio
Place
Exceptional8
TNState
Volume: 855Mix: 3.68%of portfolio
Place
Strong9
ILState
Volume: 980Mix: 4.22%of portfolio
Place
Strong10
FLState
Volume: 1,846Mix: 7.94%of portfolio
Place
StrongShowing 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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.