Union Home Mortgage
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
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
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
2/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
16,094 loans · 0.55% above market
Exceptional
Top 10% of lenders
5/5
FHA
4,604 loans · 0.82% above market
Exceptional
Top 10% of lenders
5/5
VA
1,770 loans · 0.08% below market
Exceptional
Top 20% of lenders
5/5
Jumbo
120 loans · 0.38% above market
Strong
Top 40% of lenders
4/5
USDA
652 loans · 0.52% above market
Exceptional
Top 5% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
20,266 loans · 0.59% above market
Exceptional
Top 10% of lenders
5/5
Refinance
2,974 loans · 0.38% above market
Exceptional
Top 20% of lenders
5/5
By Location· Geographic coverage
Geographic Reach
National · 50 markets
Strong
Top 40% of lenders
4/5
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 |
Conventional
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume16,094
Mix69.3%
Spread
+0.553%Above
Fees
$2,830Fees
FHA Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughExceptional
Volume4,604
Mix19.8%
Spread
+0.820%Above
Fees
$3,597Fees
VA Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume1,770
Mix7.6%
Spread
-0.076%Below
Fees
$2,890Fees
Jumbo Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume120
Mix0.5%
Spread
+0.375%Above
Fees
$3,180Fees
USDA Loans
OverallStrong
ProductExceptional
PricingMediocre
Pull ThroughStrong
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 | 20,266 | 87.2% | +0.586%Above | $3,026Fees | ||||
Refinance | 2,974 | 12.8% | +0.381%Above | $2,774Fees |
Purchase
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume20,266
Mix87.2%
Spread
+0.586%Above
Fees
$3,026Fees
Refinance
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughExceptional
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
49
markets with activity
States Served
48
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
48Full-year 2024 · HMDALoans originated
< 5050–200200–500500–1,0001,000+None
Northeast7
CTMEMANHNJPARI
Midwest12
IAILINKSMIMNMONDNEOHSDWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West12
AKAZCACOIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Showing 10 of 49 metro areas
Top States by Place Specialization Score
Showing 10 of 44 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.
Looking for a different lender?
Are you the owner of Union Home Mortgage?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
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.