Lender profile · HMDA 2025

Union Home Mortgage Corp.: 2025 mortgage rates, costs & approvals

How Union Home Mortgage Corp. priced and approved home loans in 2025, measured against every lender in the official HMDA records.

HMDA legal name: UNION HOME MORTGAGE CORP. · LEI 549300RPOGWJRH63HS39

In 2025, Union Home Mortgage Corp. originated 31,103 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 50 states — 21st by volume among the 2,017 lenders profiled here.

On conventional 30-year fixed purchase loans its median rate was 6.75% (all lenders: 6.625%); its median rate spread was 21 basis points above the national median. Median conventional loan costs were $6,020, 8% higher than the national median ($5,570).

It denied 4.9% of completed home-purchase applications (all lenders: 8.5%).

Loans

31,103

of 33,386 applications

Denial rate

4.9%

Purchase · all 8.5%

30-yr fixed rate

6.75%

Conv. · all 6.625%

Loan costs

$6,020

Conv. · all $5,570

Loan amount

$295,000

Purchase · all $335,000

Borrower income

$107,000

Purchase · all $116,000

How Union Home Mortgage Corp. priced home-purchase loans

Purchase loans, 2025	Union Home Mortgage Corp.	All lenders
30-year fixed rate · conventional	6.750%	6.625%
30-year fixed rate · FHA	6.375%	6.250%
30-year fixed rate · VA	6.250%	6.125%
15-year fixed rate · conventional	5.875%	5.875%
Rate spread vs. APOR · conventional	+0.34 pts	+0.13 pts
Total loan costs · conventional	$6,020	$5,570
Total loan costs · FHA	$10,980	$11,310
Total loan costs · VA	$9,000	$6,490
Origination charges (all types)	$2,750	$1,860
Borrowers paying discount points	63.6%	51.3%
Points paid, when paid (% of loan)	0.68%	0.87%
Borrowers receiving lender credits	25.6%	33.1%

Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.

Loan mix and borrowers

By loan type

Conventional 65.8% 20,470

FHA 21.9% 6,808

VA 10.3% 3,204

USDA 2.0% 621

By purpose

Home purchase 77.3% 24,054

Refinance 17.1% 5,314

Cash-out refinance 5.6% 1,735

Home value

$335,000

Median, purchase loans

Down payment

6.2%

All lenders 10%

Refi rate

6.375%

30-yr fixed, conventional

Refi denial rate

5.6%

Cash-out 9.7%

Why Union Home Mortgage Corp. denied purchase applications

Debt-to-income ratio 42.2% 534

Credit history 15.0% 189

Collateral (appraisal/property) 10.5% 133

Credit application incomplete 9.2% 116

Unverifiable information 8.5% 108

Employment history 5.2% 66

Other 5.1% 64

Insufficient cash (down payment/closing costs) 4.3% 54

First reason the lender reported for each denied home-purchase application.

Where Union Home Mortgage Corp. lends

State	Loans	Applications	Purchase denial rate	30-yr rate*	Loan costs*
Ohio	4,342	4,558	3.4%	6.875%	$5,570
Michigan	3,254	3,398	2.9%	6.875%	$5,050
Texas	2,763	2,964	4.8%	6.500%	$8,120
Indiana	1,898	1,984	2.8%	6.875%	$4,080
Florida	1,884	2,088	7.8%	6.625%	$6,810
Pennsylvania	1,680	1,762	3.3%	6.625%	$7,360
North Carolina	1,598	1,692	3.0%	6.750%	$5,450
Illinois	1,507	1,636	7.2%	6.875%	$6,820
Tennessee	1,103	1,175	4.3%	6.625%	$5,930
Kentucky	921	1,011	8.3%	6.625%	$4,420
California	838	954	6.8%	6.125%	$9,720
Alabama	802	866	5.5%	6.750%	$6,320
New Jersey	713	775	5.3%	6.625%	$9,840
Georgia	696	782	7.9%	6.625%	$6,240
Colorado	630	688	6.0%	6.500%	$5,310
Virginia	594	658	9.5%	6.625%	$6,600
Arizona	588	632	4.5%	6.625%	$7,020
Oregon	547	578	3.1%	6.625%	$6,920
Wisconsin	513	552	4.4%	6.875%	$3,640
South Carolina	382	415	6.0%	6.750%	$6,570
Minnesota	357	381	5.4%	6.625%	$5,520
Connecticut	345	372	6.1%	6.625%	$8,750
Louisiana	291	328	8.1%	6.625%	$4,410
Washington	275	294	3.1%	6.500%	$5,980
Maryland	269	302	7.5%	6.625%	$8,610
Mississippi	266	290	5.0%	6.375%	$5,590
Kansas	262	291	8.1%	6.500%	$5,120
Missouri	245	272	7.8%	6.625%	$4,330
Oklahoma	216	236	6.1%	6.875%	$5,490
Massachusetts	215	234	9.7%	6.375%	$6,860
Montana	138	145	3.7%	6.625%	$9,560
Nebraska	133	140	5.0%	6.625%	$3,730
Arkansas	118	141	18.4%	6.500%	$3,570
Utah	106	116	1.5%	6.125%	$7,970
West Virginia	100	109	7.4%	6.500%	$5,640
New Mexico	99	109	7.7%	6.625%	$4,860
Idaho	84	93	6.3%	6.625%	$10,210
Delaware	71	73	3.7%	6.625%	$5,970
Nevada	61	70	14.6%	—	$6,810
Wyoming	54	58	2.5%	6.625%	$7,720
Iowa	36	42	11.1%	—	—
New Hampshire	33	38	—	—	—
South Dakota	19	19	—	—	—
North Dakota	18	21	5.0%	—	—
Rhode Island	13	15	—	—	—
Alaska	12	14	—	—	—
District of Columbia	9	9	—	—	—
Maine	4	4	—	—	—
Vermont	1	1	—	—	—
New York	0	1	—	—	—

*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Union Home Mortgage Corp.'s page for that state.

Counties where Union Home Mortgage Corp. is a top lender

County	Rank	Loans	Market share
Sterling County, TX	4	1	25.0%
Hodgeman County, KS	5	1	20.0%
Macon County, NC	1	73	16.6%
Cherokee County, NC	1	53	15.5%
Freeborn County, MN	1	51	14.5%
Crawford County, MI	1	25	14.1%
Branch County, MI	1	67	13.9%
Huron County, OH	2	78	13.1%
Marion County, OH	1	108	13.0%
McCurtain County, OK	2	17	12.9%
Osceola County, MI	2	29	12.7%
St. Clair County, MI	2	281	11.8%
Webster County, GA	4	1	11.1%
Calloway County, KY	2	37	10.8%
Chaffee County, CO	3	40	10.5%

Check Union Home Mortgage Corp. yourself

FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300RPOGWJRH63HS39.
NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
CFPB Consumer Complaint Database — search complaints by company name.
Compare your Loan Estimate from Union Home Mortgage Corp. with similar 2025 loans.

This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.

Lenders of similar size

Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology