Union Home Mortgage Corp. Rates, Fees & Info

STRONGSVILLE, OH

LEI: 549300RPOGWJRH63HS39

Tax ID: 34-1084436

2020 Data | 2019 Data | 2018 Data


Overview

Union Home Mortgage Corp. is a large credit union specializing in Home Purchase and Refi loans. Union Home Mortgage Corp. has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets include Columbus, Chicago, Warren, Washington, and Cincinnati among others. They have an above average approval rate for mortages when compared nationally -- and they have a below average pick rate when compared to the same sample of other lendors. Union Home Mortgage Corp. is typically an average fee lendor.


Originations

37,324

Origination Dollar Volume (All Markets)

$8,112,770,000

Relative Rate

Union Home Mortgage Corp.'s average 30 year fixed rate mortgage was 3.35%.

The 2020 average 30 year fixed rate mortgage across all markets was 3.36%.

This yields a difference of -0.01%.

Relative Fees

Union Home Mortgage Corp.'s average total fees for a 30 year fixed rate mortgage are $4,816.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $5,021.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 27,382 $6,050,170,000 $220,954 $3,975 3.34%
FHA 4,632 $830,740,000 $179,348 $7,265 3.59%
VA 3,713 $994,175,000 $267,755 $5,781 3.05%
USDA 1,597 $237,685,000 $148,832 $5,320 3.44%

For the 2020 period, Union Home Mortgage Corp.'s most frequently originated loan type was Conventional, with 27,382 originations. Their 2nd most popular type is FHA, with 4,632 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 18,405 $3,751,295,000 $203,819 $5,384 3.50%
Refi 14,855 $3,475,575,000 $233,967 $3,752 3.14%
Cash Out Refi 3,677 $805,195,000 $218,982 $4,524 3.44%
Home Improvement 387 $80,705,000 $208,540 $4,262 3.31%

For the 2020, Union Home Mortgage Corp.'s most frequently cited loan purpose was Home Purchase, with 18,405 originations. The 2nd most popular reason was Refi, with 14,855 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 30,460 $6,708,610,000 $220,243 $4,809 3.41%
15 Year 3,507 $686,995,000 $195,893 $3,622 2.94%
20 Year 1,946 $414,090,000 $212,790 $3,724 3.17%
Other 908 $210,700,000 $232,048 $3,693 3.18%
10 Year 275 $40,275,000 $146,455 $3,206 2.88%
30+ year 187 $51,845,000 $277,246 $10,019 3.62%
5 Year 39 $245,000 $6,282 $0 0.00%
3 Year 2 $10,000 $5,000 $0 0.00%

For the 2020, Union Home Mortgage Corp.'s most frequently cited loan length was 30 Year, with 30,460 originations. The 2nd most popular length was 15 Year, with 3,507 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 19,146 $4,110,690,000 $214,702
$2k-3k 6,013 $1,202,545,000 $199,991
$<1k 5,408 $1,140,790,000 $210,945
$3k-4k 4,534 $1,068,010,000 $235,556
$5k+ 1,466 $483,530,000 $329,829

$4,816 was Union Home Mortgage Corp.'s average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 19,146 originations.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
Outside of Metro Areas 4,618 $770,810,000 $166,914 $4,521 3.50%
COLUMBUS, OH 2,823 $638,055,000 $226,020 $4,368 3.35%
CHICAGO-NAPERVILLE-EVANSTON, IL 1,911 $515,855,000 $269,940 $4,127 3.21%
WARREN-TROY-FARMINGTON HILLS, MI 1,640 $365,760,000 $223,024 $3,968 3.45%
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV 734 $311,460,000 $424,332 $5,259 3.05%
CINCINNATI, OH-KY-IN 1,245 $250,145,000 $200,920 $4,491 3.36%
CLEVELAND-ELYRIA, OH 1,246 $238,790,000 $191,645 $5,086 3.36%
PHOENIX-MESA-CHANDLER, AZ 814 $217,400,000 $267,076 $4,594 3.41%
LANSING-EAST LANSING, MI 1,265 $216,035,000 $170,779 $4,374 3.58%
PITTSBURGH, PA 1,047 $196,355,000 $187,541 $5,960 3.25%
KANSAS CITY, MO-KS 787 $161,895,000 $205,712 $3,914 3.32%
FAYETTEVILLE, NC 634 $130,370,000 $205,631 $5,207 3.17%
TOLEDO, OH 819 $126,385,000 $154,316 $3,941 3.42%
GRAND RAPIDS-KENTWOOD, MI 600 $119,380,000 $198,967 $3,845 3.43%
DURHAM-CHAPEL HILL, NC 452 $115,590,000 $255,730 $3,916 3.18%
GARY, IN 559 $115,065,000 $205,841 $4,218 3.46%
RALEIGH-CARY, NC 345 $98,755,000 $286,246 $3,597 3.15%
JACKSONVILLE, FL 401 $98,525,000 $245,698 $6,200 3.14%
BURLINGTON, NC 415 $87,325,000 $210,422 $5,010 3.17%
DALLAS-PLANO-IRVING, TX 302 $85,620,000 $283,510 $6,390 3.27%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX 352 $83,220,000 $236,420 $5,426 3.33%
AKRON, OH 486 $82,740,000 $170,247 $4,301 3.40%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA 300 $81,480,000 $271,600 $4,374 3.04%
GREENSBORO-HIGH POINT, NC 361 $79,255,000 $219,543 $4,210 3.19%
DETROIT-DEARBORN-LIVONIA, MI 423 $76,015,000 $179,704 $3,954 3.52%
NEW ORLEANS-METAIRIE, LA 325 $74,655,000 $229,708 $4,491 3.19%
TAMPA-ST. PETERSBURG-CLEARWATER, FL 311 $73,485,000 $236,286 $6,184 3.43%
DAYTON-KETTERING, OH 381 $72,155,000 $189,383 $4,968 3.39%
INDIANAPOLIS-CARMEL-ANDERSON, IN 334 $70,910,000 $212,305 $4,091 3.39%
BALTIMORE-COLUMBIA-TOWSON, MD 218 $69,580,000 $319,174 $4,958 3.06%
MONROE, MI 399 $69,445,000 $174,048 $3,700 3.30%
ASHEVILLE, NC 260 $67,300,000 $258,846 $4,050 3.35%
BATON ROUGE, LA 272 $66,280,000 $243,676 $4,855 3.14%
WILMINGTON, NC 252 $64,740,000 $256,905 $4,193 3.27%
ORLANDO-KISSIMMEE-SANFORD, FL 224 $52,140,000 $232,768 $5,968 3.41%
CAMBRIDGE-NEWTON-FRAMINGHAM, MA 127 $49,575,000 $390,354 $3,477 2.91%
NORTH PORT-SARASOTA-BRADENTON, FL 184 $46,710,000 $253,859 $5,097 3.40%
LAKE COUNTY-KENOSHA COUNTY, IL-WI 164 $45,700,000 $278,659 $3,930 3.26%
WINSTON-SALEM, NC 201 $45,555,000 $226,642 $4,296 3.20%
FORT WAYNE, IN 256 $44,040,000 $172,031 $3,934 3.48%
PRESCOTT VALLEY-PRESCOTT, AZ 164 $43,730,000 $266,646 $5,355 3.51%
KNOXVILLE, TN 182 $42,100,000 $231,319 $4,978 3.18%
LONGVIEW, TX 209 $41,995,000 $200,933 $5,163 3.45%
AUSTIN-ROUND ROCK-GEORGETOWN, TX 142 $41,280,000 $290,704 $5,988 3.21%
FREDERICK-GAITHERSBURG-ROCKVILLE, MD 107 $40,425,000 $377,804 $5,344 3.12%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI 116 $40,040,000 $345,172 $6,499 3.18%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA 277 $39,665,000 $143,195 $4,764 3.50%
OKLAHOMA CITY, OK 177 $39,265,000 $221,836 $4,347 3.26%
MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA 151 $38,315,000 $253,742 $5,529 3.31%
SALISBURY, MD-DE 136 $35,810,000 $263,309 $4,437 3.30%
CHARLOTTE-CONCORD-GASTONIA, NC-SC 126 $34,580,000 $274,444 $3,660 3.14%
ATLANTIC CITY-HAMMONTON, NJ 195 $33,805,000 $173,359 $4,128 3.40%
CANTON-MASSILLON, OH 211 $32,475,000 $153,910 $4,518 3.46%
NEW BRUNSWICK-LAKEWOOD, NJ 131 $32,455,000 $247,748 $5,465 3.30%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL 136 $31,690,000 $233,015 $6,666 3.41%
CHAMBERSBURG-WAYNESBORO, PA 163 $29,415,000 $180,460 $6,373 3.16%
GREENVILLE-ANDERSON, SC 137 $28,805,000 $210,255 $4,258 3.43%
BOSTON, MA 69 $26,985,000 $391,087 $3,167 2.92%
CAPE CORAL-FORT MYERS, FL 116 $26,650,000 $229,741 $4,973 3.35%
JACKSONVILLE, NC 122 $26,350,000 $215,984 $4,978 3.26%
FLINT, MI 130 $26,060,000 $200,462 $3,953 3.47%
FORT WORTH-ARLINGTON-GRAPEVINE, TX 99 $25,225,000 $254,798 $5,794 3.18%
HAGERSTOWN-MARTINSBURG, MD-WV 122 $24,880,000 $203,934 $5,455 3.23%
HARRISBURG-CARLISLE, PA 122 $23,870,000 $195,656 $6,003 3.21%
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL 86 $23,780,000 $276,512 $6,219 3.27%
LOUISVILLE/JEFFERSON COUNTY, KY-IN 125 $23,425,000 $187,400 $4,600 3.35%
CLARKSVILLE, TN-KY 96 $22,650,000 $235,938 $5,933 3.19%
MIAMI-MIAMI BEACH-KENDALL, FL 79 $22,585,000 $285,886 $6,993 3.38%
WHEELING, WV-OH 151 $22,105,000 $146,391 $4,408 3.82%
LAFAYETTE, LA 120 $22,080,000 $184,000 $4,822 3.01%
ELGIN, IL 90 $21,530,000 $239,222 $5,203 3.25%
MILWAUKEE-WAUKESHA, WI 101 $21,525,000 $213,119 $3,157 3.46%
FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL 82 $21,440,000 $261,463 $6,104 3.33%
YORK-HANOVER, PA 98 $20,200,000 $206,122 $6,551 3.24%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC 88 $19,990,000 $227,159 $4,323 3.36%
ST. LOUIS, MO-IL 97 $19,865,000 $204,794 $3,324 3.26%
LANCASTER, PA 88 $19,800,000 $225,000 $8,079 3.20%
SHREVEPORT-BOSSIER CITY, LA 96 $19,180,000 $199,792 $5,873 3.60%
SAN ANTONIO-NEW BRAUNFELS, TX 80 $18,720,000 $234,000 $6,077 3.26%
GAINESVILLE, FL 89 $18,275,000 $205,337 $5,675 3.35%
PENSACOLA-FERRY PASS-BRENT, FL 72 $17,930,000 $249,028 $3,799 2.95%
SOUTH BEND-MISHAWAKA, IN-MI 78 $17,130,000 $219,615 $4,589 3.34%
ANN ARBOR, MI 68 $16,720,000 $245,882 $3,988 3.38%
MANSFIELD, OH 112 $16,170,000 $144,375 $3,863 3.52%
ALBUQUERQUE, NM 84 $16,090,000 $191,548 $5,969 3.28%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC 52 $16,020,000 $308,077 $4,456 2.94%
BATTLE CREEK, MI 102 $15,540,000 $152,353 $4,245 3.52%
CORPUS CHRISTI, TX 74 $14,490,000 $195,811 $4,794 3.39%
BIRMINGHAM-HOOVER, AL 70 $14,360,000 $205,143 $5,399 2.94%
SEBASTIAN-VERO BEACH, FL 57 $14,315,000 $251,140 $3,955 3.32%
LEXINGTON-FAYETTE, KY 62 $13,690,000 $220,806 $4,554 3.06%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR 64 $13,450,000 $210,156 $4,488 3.36%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA 42 $13,380,000 $318,571 $5,323 3.17%
LAKELAND-WINTER HAVEN, FL 71 $13,235,000 $186,408 $5,994 3.46%
PALM BAY-MELBOURNE-TITUSVILLE, FL 49 $13,205,000 $269,490 $4,831 3.18%
TULSA, OK 72 $12,560,000 $174,444 $6,376 3.52%
LAKE HAVASU CITY-KINGMAN, AZ 58 $11,630,000 $200,517 $5,001 3.32%
MICHIGAN CITY-LA PORTE, IN 63 $11,395,000 $180,873 $4,565 3.49%
PUNTA GORDA, FL 58 $11,300,000 $194,828 $3,977 3.37%
CHATTANOOGA, TN-GA 64 $11,180,000 $174,688 $4,486 3.16%
ERIE, PA 77 $11,015,000 $143,052 $5,126 3.40%
CHARLESTON-NORTH CHARLESTON, SC 37 $10,605,000 $286,622 $4,851 3.21%
OCALA, FL 64 $10,530,000 $164,531 $4,915 3.52%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN 37 $10,515,000 $284,189 $4,766 3.22%
LAS VEGAS-HENDERSON-PARADISE, NV 33 $10,095,000 $305,909 $5,735 3.02%
CAMDEN, NJ 48 $9,810,000 $204,375 $4,188 3.35%
DENVER-AURORA-LAKEWOOD, CO 31 $9,695,000 $312,742 $4,851 3.13%
CHAMPAIGN-URBANA, IL 56 $9,610,000 $171,607 $3,258 3.12%
WILMINGTON, DE-MD-NJ 41 $8,765,000 $213,780 $5,746 3.26%
HOT SPRINGS, AR 53 $8,425,000 $158,962 $3,714 3.57%
STOCKTON, CA 23 $8,305,000 $361,087 $4,726 3.21%
WORCESTER, MA-CT 30 $7,850,000 $261,667 $4,160 3.08%
HUNTSVILLE, AL 35 $7,825,000 $223,571 $4,241 3.30%
SAGINAW, MI 61 $7,655,000 $125,492 $3,280 3.65%
PHILADELPHIA, PA 27 $7,335,000 $271,667 $5,567 3.03%
OCEAN CITY, NJ 29 $7,205,000 $248,448 $3,849 3.20%
LOS ANGELES-LONG BEACH-GLENDALE, CA 17 $7,075,000 $416,176 $5,769 3.21%
HUNTINGTON-ASHLAND, WV-KY-OH 39 $7,025,000 $180,128 $4,704 3.38%
NEW BERN, NC 44 $6,990,000 $158,864 $3,882 3.69%
MORGANTOWN, WV 30 $6,740,000 $224,667 $6,878 3.15%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA 13 $6,565,000 $505,000 $4,351 3.49%
TOPEKA, KS 41 $6,565,000 $160,122 $4,694 3.42%
JACKSON, MI 40 $6,510,000 $162,750 $4,182 3.50%
WINCHESTER, VA-WV 24 $6,300,000 $262,500 $6,181 3.33%
NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ 17 $6,265,000 $368,529 $5,851 3.40%
SPRINGFIELD, OH 29 $6,255,000 $215,690 $5,221 3.25%
NEWARK, NJ-PA 16 $6,180,000 $386,250 $7,160 3.36%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT 26 $6,130,000 $235,769 $5,374 3.20%
READING, PA 31 $6,055,000 $195,323 $5,530 3.37%
CHARLESTON, WV 41 $5,965,000 $145,488 $4,615 3.58%
MADISON, WI 23 $5,895,000 $256,304 $2,834 3.22%
PORT ST. LUCIE, FL 23 $5,875,000 $255,435 $5,684 3.25%
NAPLES-MARCO ISLAND, FL 20 $5,790,000 $289,500 $5,337 3.39%
EVANSVILLE, IN-KY 36 $5,720,000 $158,889 $4,059 3.19%
SPARTANBURG, SC 29 $5,595,000 $192,931 $3,951 3.60%
PITTSFIELD, MA 18 $5,540,000 $307,778 $3,560 2.90%
KALAMAZOO-PORTAGE, MI 30 $5,480,000 $182,667 $3,599 3.49%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL 19 $5,475,000 $288,158 $5,719 2.81%
MERCED, CA 20 $5,290,000 $264,500 $5,838 3.33%
NILES, MI 22 $5,190,000 $235,909 $3,953 3.27%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA 11 $5,115,000 $465,000 $4,514 3.02%
GREENVILLE, NC 25 $5,105,000 $204,200 $4,091 3.04%
HOMOSASSA SPRINGS, FL 28 $4,850,000 $173,214 $4,490 3.55%
ANAHEIM-SANTA ANA-IRVINE, CA 9 $4,415,000 $490,556 $4,080 3.08%
DOVER, DE 18 $4,360,000 $242,222 $4,864 3.13%
ALTOONA, PA 32 $4,360,000 $136,250 $4,946 3.14%
ELIZABETHTOWN-FORT KNOX, KY 24 $4,260,000 $177,500 $4,047 3.21%
SEATTLE-BELLEVUE-KENT, WA 9 $4,115,000 $457,222 $5,651 3.01%
MIDLAND, MI 28 $3,950,000 $141,071 $3,213 3.73%
WEIRTON-STEUBENVILLE, WV-OH 33 $3,885,000 $117,727 $3,737 4.00%
EL PASO, TX 11 $3,885,000 $353,182 $10,855 2.81%
LAREDO, TX 17 $3,765,000 $221,471 $5,942 3.19%
ELKHART-GOSHEN, IN 25 $3,745,000 $149,800 $3,692 3.37%
SACRAMENTO-ROSEVILLE-FOLSOM, CA 10 $3,650,000 $365,000 $7,707 2.68%
TUCSON, AZ 17 $3,625,000 $213,235 $4,152 3.24%
RICHMOND, VA 16 $3,590,000 $224,375 $4,640 3.46%
GETTYSBURG, PA 17 $3,555,000 $209,118 $6,625 3.32%
THE VILLAGES, FL 13 $3,495,000 $268,846 $5,585 3.17%
OAKLAND-BERKELEY-LIVERMORE, CA 7 $3,445,000 $492,143 $6,201 3.14%
PROVIDENCE-WARWICK, RI-MA 15 $3,395,000 $226,333 $3,357 2.98%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR 14 $3,340,000 $238,571 $5,920 3.18%
SANTA FE, NM 10 $3,340,000 $334,000 $8,671 3.00%
TYLER, TX 17 $3,225,000 $189,706 $4,900 3.67%
MUSKEGON, MI 21 $3,175,000 $151,190 $3,829 3.76%
FARMINGTON, NM 21 $3,035,000 $144,524 $6,070 4.27%
MEMPHIS, TN-MS-AR 10 $2,810,000 $281,000 $4,304 3.23%
MORRISTOWN, TN 15 $2,805,000 $187,000 $5,262 3.14%
KINGSPORT-BRISTOL, TN-VA 12 $2,780,000 $231,667 $3,598 3.39%
MODESTO, CA 8 $2,550,000 $318,750 $5,075 3.28%
FLAGSTAFF, AZ 11 $2,405,000 $218,636 $3,844 3.73%
COLORADO SPRINGS, CO 9 $2,375,000 $263,889 $4,644 2.81%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA 7 $2,335,000 $333,571 $4,971 2.96%
SHERMAN-DENISON, TX 12 $2,300,000 $191,667 $6,167 3.33%
HILTON HEAD ISLAND-BLUFFTON, SC 8 $2,300,000 $287,500 $4,236 2.83%
RACINE, WI 10 $2,250,000 $225,000 $3,599 3.36%
ST. JOSEPH, MO-KS 14 $2,230,000 $159,286 $4,671 3.64%
LAFAYETTE-WEST LAFAYETTE, IN 10 $2,210,000 $221,000 $3,506 3.23%
BOULDER, CO 6 $2,160,000 $360,000 $3,745 3.02%
BRIDGEPORT-STAMFORD-NORWALK, CT 4 $2,120,000 $530,000 $15,016 2.69%
LAWRENCE, KS 11 $2,095,000 $190,455 $2,717 3.19%
JANESVILLE-BELOIT, WI 9 $1,835,000 $203,889 $4,097 3.44%
BARNSTABLE TOWN, MA 6 $1,800,000 $300,000 $3,207 2.85%
SAVANNAH, GA 7 $1,785,000 $255,000 $5,827 3.16%
JOHNSON CITY, TN 9 $1,745,000 $193,889 $4,034 3.32%
LIMA, OH 15 $1,735,000 $115,667 $4,727 3.48%
COLLEGE STATION-BRYAN, TX 7 $1,695,000 $242,143 $6,027 3.34%
ROCKFORD, IL 8 $1,690,000 $211,250 $4,142 3.67%
BAY CITY, MI 15 $1,635,000 $109,000 $3,225 3.89%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ 7 $1,605,000 $229,286 $5,084 3.45%
COLUMBIA, SC 5 $1,575,000 $315,000 $6,227 2.80%
FORT SMITH, AR-OK 12 $1,530,000 $127,500 $5,253 3.80%
WACO, TX 7 $1,505,000 $215,000 $5,328 3.29%
GAINESVILLE, GA 5 $1,465,000 $293,000 $4,173 3.35%
CALIFORNIA-LEXINGTON PARK, MD 5 $1,415,000 $283,000 $3,288 3.23%
HAMMOND, LA 8 $1,400,000 $175,000 $4,370 3.09%
CHARLOTTESVILLE, VA 5 $1,385,000 $277,000 $3,345 2.93%
ST. CLOUD, MN 6 $1,360,000 $226,667 $4,769 2.94%
MIDLAND, TX 4 $1,310,000 $327,500 $3,983 2.84%
FORT COLLINS, CO 4 $1,280,000 $320,000 $2,771 3.16%
SPRINGFIELD, MA 7 $1,255,000 $179,286 $2,839 3.13%
PANAMA CITY, FL 5 $1,245,000 $249,000 $5,096 3.23%
TUSCALOOSA, AL 6 $1,240,000 $206,667 $5,679 3.08%
WICHITA, KS 5 $1,225,000 $245,000 $2,517 3.05%
TALLAHASSEE, FL 6 $1,220,000 $203,333 $5,036 3.13%
TRENTON-PRINCETON, NJ 6 $1,190,000 $198,333 $3,749 3.33%
LUBBOCK, TX 5 $1,185,000 $237,000 $4,902 2.98%
LAS CRUCES, NM 6 $1,180,000 $196,667 $5,045 3.42%
KOKOMO, IN 7 $1,135,000 $162,143 $3,292 3.63%
VINELAND-BRIDGETON, NJ 6 $1,120,000 $186,667 $3,901 3.13%
KILLEEN-TEMPLE, TX 4 $1,090,000 $272,500 $3,747 3.25%
TEXARKANA, TX-AR 7 $1,065,000 $152,143 $4,590 3.84%
LEBANON, PA 5 $1,045,000 $209,000 $5,399 3.53%
DES MOINES-WEST DES MOINES, IA 5 $1,035,000 $207,000 $4,277 3.20%
JOHNSTOWN, PA 9 $1,025,000 $113,889 $4,286 3.26%
SAN ANGELO, TX 4 $1,020,000 $255,000 $3,734 3.03%
DAPHNE-FAIRHOPE-FOLEY, AL 4 $980,000 $245,000 $2,837 3.59%
BELLINGHAM, WA 1 $975,000 $975,000 $2,749 2.75%
OWENSBORO, KY 7 $965,000 $137,857 $3,583 3.45%
MONTGOMERY, AL 4 $960,000 $240,000 $2,932 3.28%
GREELEY, CO 3 $945,000 $315,000 $5,920 2.79%
JEFFERSON CITY, MO 6 $900,000 $150,000 $3,347 3.29%
ODESSA, TX 3 $875,000 $291,667 $6,340 3.75%
VICTORIA, TX 4 $870,000 $217,500 $5,559 3.97%
AUBURN-OPELIKA, AL 3 $855,000 $285,000 $3,926 3.04%
ATHENS-CLARKE COUNTY, GA 5 $825,000 $165,000 $4,047 3.33%
GULFPORT-BILOXI, MS 6 $820,000 $136,667 $5,803 3.71%
ROCKY MOUNT, NC 4 $820,000 $205,000 $2,732 3.22%
AUGUSTA-RICHMOND COUNTY, GA-SC 5 $775,000 $155,000 $3,401 3.50%
EAST STROUDSBURG, PA 5 $775,000 $155,000 $4,391 3.23%
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA 1 $765,000 $765,000 $7,154 3.00%
BRUNSWICK, GA 2 $720,000 $360,000 $4,320 2.94%
COEUR D'ALENE, ID 2 $670,000 $335,000 $3,849 3.13%
BOISE CITY, ID 3 $665,000 $221,667 $3,058 3.17%
SPRINGFIELD, MO 4 $660,000 $165,000 $4,002 3.41%
MACON-BIBB COUNTY, GA 2 $650,000 $325,000 $3,199 2.75%
MCALLEN-EDINBURG-MISSION, TX 4 $640,000 $160,000 $4,987 3.22%
SPOKANE-SPOKANE VALLEY, WA 2 $630,000 $315,000 $5,107 2.94%
SAN LUIS OBISPO-PASO ROBLES, CA 1 $615,000 $615,000 $5,357 2.75%
DANVILLE, IL 5 $605,000 $121,000 $4,337 3.03%
COLUMBUS, IN 2 $600,000 $300,000 $4,856 3.31%
SALT LAKE CITY, UT 2 $600,000 $300,000 $2,399 3.00%
BEND, OR 2 $600,000 $300,000 $7,203 2.88%
FLORENCE-MUSCLE SHOALS, AL 2 $560,000 $280,000 $5,288 2.25%
BOWLING GREEN, KY 2 $530,000 $265,000 $4,702 2.88%
OMAHA-COUNCIL BLUFFS, NE-IA 2 $530,000 $265,000 $4,836 2.88%
STATE COLLEGE, PA 2 $530,000 $265,000 $10,922 2.63%
SAN RAFAEL, CA 1 $525,000 $525,000 $16,108 2.25%
MUNCIE, IN 4 $510,000 $127,500 $3,769 3.50%
TACOMA-LAKEWOOD, WA 1 $485,000 $485,000 $1,278 2.75%
COLUMBIA, MO 2 $470,000 $235,000 $4,152 3.56%
DECATUR, AL 3 $465,000 $155,000 $3,690 3.13%
NEW HAVEN-MILFORD, CT 2 $460,000 $230,000 $5,100 3.38%
BROWNSVILLE-HARLINGEN, TX 3 $455,000 $151,667 $3,748 3.17%
STAUNTON, VA 2 $440,000 $220,000 $3,676 3.06%
HICKORY-LENOIR-MORGANTON, NC 3 $435,000 $145,000 $2,983 3.17%
SIERRA VISTA-DOUGLAS, AZ 2 $430,000 $215,000 $3,072 3.19%
BLOOMINGTON, IN 2 $430,000 $215,000 $1,650 3.19%
VALLEJO, CA 1 $425,000 $425,000 $3,421 3.25%
CLEVELAND, TN 3 $425,000 $141,667 $4,325 3.13%
GOLDSBORO, NC 3 $405,000 $135,000 $2,781 3.29%
SCRANTON--WILKES-BARRE, PA 3 $405,000 $135,000 $4,047 3.08%
ENID, OK 1 $405,000 $405,000 $4,752 3.25%
BEAUMONT-PORT ARTHUR, TX 2 $380,000 $190,000 $8,190 2.75%
SUMTER, SC 3 $365,000 $121,667 $4,177 3.46%
VALDOSTA, GA 2 $350,000 $175,000 $3,779 3.38%
OLYMPIA-LACEY-TUMWATER, WA 1 $345,000 $345,000 $3,675 3.25%
WICHITA FALLS, TX 2 $340,000 $170,000 $3,783 2.94%
KANKAKEE, IL 2 $330,000 $165,000 $3,549 3.38%
HOUMA-THIBODAUX, LA 2 $330,000 $165,000 $3,471 4.38%
BLACKSBURG-CHRISTIANSBURG, VA 1 $325,000 $325,000 $3,174 2.88%
PEORIA, IL 2 $310,000 $155,000 $6,087 3.69%
TERRE HAUTE, IN 4 $300,000 $75,000 $2,758 4.59%
JACKSON, MS 1 $295,000 $295,000 $2,443 3.25%
CEDAR RAPIDS, IA 1 $255,000 $255,000 $7,767 2.63%
DULUTH, MN-WI 2 $240,000 $120,000 $3,150 3.00%
REDDING, CA 1 $235,000 $235,000 $2,720 3.50%
LAWTON, OK 1 $225,000 $225,000 $12,290 3.00%
SALEM, OR 1 $225,000 $225,000 $5,760 2.88%
RENO, NV 1 $225,000 $225,000 $0 4.13%
MANCHESTER-NASHUA, NH 1 $205,000 $205,000 $3,091 2.88%
EUGENE-SPRINGFIELD, OR 1 $205,000 $205,000 $2,766 3.38%
APPLETON, WI 1 $205,000 $205,000 $1,914 3.63%
AMARILLO, TX 1 $205,000 $205,000 $6,510 2.50%
YUMA, AZ 1 $195,000 $195,000 $1,139 2.88%
SALINAS, CA 1 $185,000 $185,000 $0 4.25%
ALBANY, GA 1 $185,000 $185,000 $5,468 2.63%
SEBRING-AVON PARK, FL 2 $180,000 $90,000 $3,820 5.19%
CASPER, WY 1 $175,000 $175,000 $8,296 3.25%
BLOOMINGTON, IL 2 $170,000 $85,000 $2,417 3.69%
WILLIAMSPORT, PA 1 $165,000 $165,000 $3,381 2.88%
FOND DU LAC, WI 1 $165,000 $165,000 $3,615 3.88%
MADERA, CA 1 $155,000 $155,000 $5,952 3.38%
ROANOKE, VA 1 $155,000 $155,000 $2,519 2.88%
JOPLIN, MO 1 $155,000 $155,000 $6,411 3.88%
PARKERSBURG-VIENNA, WV 1 $145,000 $145,000 $7,151 3.25%
COLUMBUS, GA-AL 1 $145,000 $145,000 $3,415 3.25%
LA CROSSE-ONALASKA, WI-MN 1 $135,000 $135,000 $2,363 4.00%
JACKSON, TN 1 $125,000 $125,000 $2,701 3.50%
BECKLEY, WV 1 $125,000 $125,000 $2,771 3.88%
ABILENE, TX 1 $125,000 $125,000 $4,778 4.25%
JONESBORO, AR 1 $125,000 $125,000 $2,860 3.63%
OSHKOSH-NEENAH, WI 1 $115,000 $115,000 $2,270 2.88%
AMES, IA 1 $105,000 $105,000 $3,959 3.50%
BAKERSFIELD, CA 1 $105,000 $105,000 $4,870 3.13%
OXNARD-THOUSAND OAKS-VENTURA, CA 1 $105,000 $105,000 $2,564 3.88%
PINE BLUFF, AR 1 $85,000 $85,000 $4,278 4.13%
WATERLOO-CEDAR FALLS, IA 1 $85,000 $85,000 $0 4.00%
BLOOMSBURG-BERWICK, PA 1 $75,000 $75,000 $3,038 3.88%
FLORENCE, SC 1 $75,000 $75,000 $4,100 3.88%
HARRISONBURG, VA 1 $65,000 $65,000 $3,278 2.63%

Union Home Mortgage Corp.'s top markets include Columbus, Chicago, Warren, Washington, and Cincinnati among others.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 21,633 $4,553,795,000 $210,502
2.5-3% 10,363 $2,532,685,000 $244,397
4-5% 3,084 $486,500,000 $157,750
<2.5% 1,774 $486,950,000 $274,493
5-6% 337 $48,665,000 $144,407
6-7% 15 $3,055,000 $203,667
7-8% 4 $470,000 $117,500

During 2020, Union Home Mortgage Corp.'s average interest rate was 3.35%, while their most frequently originated rate bucket was 3-4%, with 21,633 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$100k-200k 15,921 $2,407,565,000 $151,219 $4,190 3.41%
$200k-400k 14,985 $4,101,345,000 $273,697 $5,117 3.24%
$100,000 or less 3,700 $281,700,000 $76,135 $3,429 3.72%
$400k-600k 2,463 $1,143,855,000 $464,415 $5,641 3.11%
$600k-1MM 252 $174,890,000 $694,008 $8,447 2.97%
$1MM+ 3 $3,415,000 $1,138,333 $22,510 3.25%

2020 saw Union Home Mortgage Corp. place emphasis on $100k-200k loans with 15,921 originations, totaling $2,407,565,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$50k-75k 9,633 $1,728,175,000 $179,402 $4,686 3.42%
$50k or less 7,157 $923,325,000 $129,010 $4,220 3.51%
$100k-150k 7,080 $1,861,420,000 $262,912 $4,813 3.28%
$75k-100k 6,599 $1,434,995,000 $217,456 $4,804 3.36%
$150k-250k 3,885 $1,250,925,000 $321,988 $4,854 3.23%
$250k+ 1,107 $408,265,000 $368,803 $4,890 3.20%

Union Home Mortgage Corp. lent most frequently to those with incomes in the $50k-75k range, with 9,633 originations. The second most popular income band? $50k or less, with 7,157 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 8,605 $1,852,895,000 $215,328 $4,250 3.31%
30-36% 7,032 $1,494,500,000 $212,528 $4,535 3.39%
<20% 3,081 $651,955,000 $211,605 $3,892 3.20%
44% 1,422 $307,860,000 $216,498 $4,900 3.45%
40% 1,391 $295,675,000 $212,563 $4,954 3.45%
41% 1,380 $299,690,000 $217,167 $4,728 3.42%
43% 1,367 $293,495,000 $214,700 $4,846 3.47%
42% 1,347 $281,875,000 $209,261 $4,876 3.47%
37% 1,312 $267,520,000 $203,902 $4,720 3.42%
38% 1,311 $282,705,000 $215,641 $4,738 3.44%
39% 1,307 $280,745,000 $214,801 $4,767 3.44%
36% 1,288 $271,090,000 $210,474 $4,630 3.41%
50-60% 975 $216,835,000 $222,395 $7,818 3.31%
45% 921 $196,285,000 $213,122 $4,906 3.42%
49% 705 $162,775,000 $230,887 $5,403 3.37%
46% 692 $155,730,000 $225,043 $5,164 3.36%
48% 668 $153,200,000 $229,341 $5,451 3.42%
47% 663 $151,915,000 $229,133 $5,143 3.38%
>60% 18 $5,740,000 $318,889 $6,238 3.06%

Union Home Mortgage Corp. lent most frequently to those with DTI ratios of 20-30%, with 8,605 originations. The next most common DTI ratio? 30-36%, with 7,032 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 32,254 $6,870,810,000 $213,022 $4,617 3.36%
Asian 1,814 $511,210,000 $281,814 $4,013 3.16%
Not provided 1,430 $347,710,000 $243,154 $4,817 3.25%
Black 1,668 $347,410,000 $208,279 $5,352 3.44%
American Indian 100 $21,090,000 $210,900 $5,082 3.31%
Native Hawaiian 47 $11,075,000 $235,638 $4,831 3.28%
Asian Indian 5 $1,495,000 $299,000 $3,131 2.93%
Other Asian 3 $1,075,000 $358,333 $4,157 2.88%
Korean 1 $385,000 $385,000 $4,022 2.25%
Chinese 1 $325,000 $325,000 $16,229 2.25%
Filipino 1 $185,000 $185,000 $2,767 3.38%

Approval Rates

Total approvals of all applications
96.84%

Union Home Mortgage Corp. has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

Pick Rate

Approvals leading to origination
86.45%

Union Home Mortgage Corp. has an average pick rate.

Points and Fees

Points Originations Total Value Average Loan
0.0 1 $15,000 $15,000
NA 37,323 $8,112,755,000 $217,366

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
Single Family (1-4 Units):Manufactured 652 $86,410,000 $132,531
Single Family (1-4 Units):Site-Built 36,672 $8,026,360,000 $218,869

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 404 $64,380,000 $159,356 $3,583 3.21%
40-60% 1,611 $310,135,000 $192,511 $3,884 3.22%
60-80% 6,962 $1,522,910,000 $218,746 $4,424 3.44%
80-100% 17,546 $3,622,890,000 $206,480 $5,253 3.48%
Over 100% 633 $166,565,000 $263,136 $10,564 3.25%
Under 20% 141 $4,145,000 $29,397 $2,540 3.80%