The Union Bank Company mortgage approval rate & lending review
The Union Bank Company decided 1,395 mortgage applications and funded 1,175 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions The Union Bank Company reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
The Union Bank Company at a glance
Approval is 6.6 points above the 79.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 94% | 595 / 631 | 99% | $275K | 587 |
| Home improvement loans | 87% | 159 / 183 | 96% | $65K | 153 |
| Cash-out refinance | 56% | 112 / 199 | 98% | $305K | 110 |
| Refinance | 85% | 174 / 205 | 97% | $115K | 169 |
| Investment property purchase | 91% | 117 / 129 | 100% | $125K | 117 |
The Union Bank Company lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Ohio | 90% | $275K | 1,129 | 995 |
| Florida | 67% | $275K | 36 | 24 |
| Georgia | 63% | $265K | 30 | 19 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where The Union Bank Company lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Franklin County, OH | Mortgage lenders | 94% | 291 | 268 |
| Allen County, OH | Mortgage lenders | 96% | 119 | 114 |
| Allen County, OH | Refinance | 90% | 70 | 60 |
| Allen County, OH | Home improvement loans | 91% | 66 | 57 |
| Delaware County, OH | Mortgage lenders | 95% | 60 | 55 |
| Allen County, OH | Investment property purchase | 92% | 48 | 44 |
| Wood County, OH | Home improvement loans | 89% | 44 | 39 |
| Franklin County, OH | Home improvement loans | 78% | 40 | 29 |
| Franklin County, OH | Investment property purchase | 87% | 30 | 26 |
| Wood County, OH | Refinance | 71% | 38 | 26 |
| Franklin County, OH | Refinance | 87% | 30 | 25 |
| Wood County, OH | Mortgage lenders | 96% | 27 | 25 |
The county markets where The Union Bank Company made the most loans. Each link opens that market with every lender ranked.
Questions about The Union Bank Company
What is The Union Bank Company's mortgage approval rate?
The Union Bank Company approved 85.7% of the 1,395 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.6 points above the 79.1% national rate for the same mix of loan types.
How often do borrowers take the loan The Union Bank Company offers?
Borrowers accepted 98% of the loans The Union Bank Company approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does The Union Bank Company make?
The typical home purchase mortgage loan The Union Bank Company made was $275K; across all loan types its typical loan ran from $65K to $305K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does The Union Bank Company lend?
The Union Bank Company decided applications in 37 of the states Fat Boy Data covers, most of them in Ohio, Florida and Georgia.
Can I apply to The Union Bank Company directly?
Yes. The Union Bank Company is a bank or credit union with 64 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show The Union Bank Company's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how The Union Bank Company treats applications, then get a rate quote from the lender.