Union Home Mortgage Corp. mortgage approval rate & lending review
Union Home Mortgage Corp. decided 67,131 mortgage applications and funded 62,261 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Union Home Mortgage Corp. reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to uhm.com.
Union Home Mortgage Corp. at a glance
Approval is 9.5 points above the 84.9% 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 | 95% | 49,908 / 52,364 | 99% | $275K | 49,268 |
| Home improvement loans | 82% | 988 / 1,204 | 85% | $85K | 838 |
| Cash-out refinance | 91% | 2,901 / 3,202 | 98% | $235K | 2,833 |
| Refinance | 94% | 6,307 / 6,723 | 97% | $335K | 6,134 |
| Investment property purchase | 92% | 2,468 / 2,678 | 98% | $195K | 2,425 |
| Investment cash-out refinance | 85% | 438 / 515 | 97% | $155K | 427 |
| Investment refinance | 82% | 252 / 309 | 97% | $215K | 245 |
| Investment home improvement | 76% | 104 / 136 | 88% | $105K | 91 |
Union Home Mortgage Corp. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Ohio | 96% | $225K | 10,446 | 9,883 |
| Michigan | 96% | $195K | 7,199 | 6,847 |
| Florida | 91% | $285K | 6,639 | 5,968 |
| Texas | 93% | $315K | 4,987 | 4,581 |
| North Carolina | 97% | $245K | 4,465 | 4,225 |
| Pennsylvania | 96% | $235K | 4,299 | 4,056 |
| Illinois | 91% | $325K | 3,792 | 3,403 |
| Indiana | 97% | $235K | 3,140 | 2,997 |
| New Jersey | 95% | $465K | 1,827 | 1,686 |
| Tennessee | 95% | $275K | 1,792 | 1,672 |
| Alabama | 95% | $275K | 1,629 | 1,520 |
| California | 91% | $515K | 1,533 | 1,332 |
| South Carolina | 94% | $255K | 1,255 | 1,157 |
| Arizona | 93% | $435K | 1,254 | 1,141 |
| Kentucky | 93% | $265K | 1,135 | 1,047 |
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 Union Home Mortgage Corp. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Franklin County, OH | Mortgage lenders | 98% | 1,530 | 1,481 |
| Cook County, IL | Mortgage lenders | 91% | 1,614 | 1,444 |
| Lucas County, OH | Mortgage lenders | 97% | 1,063 | 1,015 |
| Marion County, FL | Mortgage lenders | 94% | 931 | 869 |
| St. Clair County, MI | Mortgage lenders | 97% | 735 | 715 |
| Allegheny County, PA | Mortgage lenders | 97% | 724 | 689 |
| Hamilton County, TN | Mortgage lenders | 97% | 699 | 673 |
| Cuyahoga County, OH | Mortgage lenders | 98% | 694 | 668 |
| Hamilton County, OH | Mortgage lenders | 96% | 676 | 640 |
| Tarrant County, TX | Mortgage lenders | 98% | 642 | 620 |
| Harris County, TX | Mortgage lenders | 94% | 649 | 599 |
| Macomb County, MI | Mortgage lenders | 96% | 625 | 598 |
The county markets where Union Home Mortgage Corp. made the most loans. Each link opens that market with every lender ranked.
Questions about Union Home Mortgage Corp.
What is Union Home Mortgage Corp.'s mortgage approval rate?
Union Home Mortgage Corp. approved 94.4% of the 67,131 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.5 points above the 84.9% national rate for the same mix of loan types.
How often do borrowers take the loan Union Home Mortgage Corp. offers?
Borrowers accepted 98% of the loans Union Home Mortgage Corp. 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 Union Home Mortgage Corp. make?
The typical home purchase mortgage loan Union Home Mortgage Corp. made was $275K; across all loan types its typical loan ran from $85K to $335K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Union Home Mortgage Corp. lend?
Union Home Mortgage Corp. decided applications in 49 of the states Fat Boy Data covers, most of them in Ohio, Michigan and Florida.
Can I apply to Union Home Mortgage Corp. directly?
Yes. Union Home Mortgage Corp. reports as a direct lender that takes applications from borrowers. Its website is uhm.com.
Does this page show Union Home Mortgage Corp.'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 Union Home Mortgage Corp. treats applications, then get a rate quote from the lender.