Lenders › Union Home Mortgage Corp. › Ohio
Union Home Mortgage Corp. in Ohio
HMDA record for properties in Ohio, calendar year 2024. National record · Ohio overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Union Home Mortgage Corp.'s 2024 HMDA record for Ohio covers 5,581 applications, 4,247 of them originated, worth $978m.
Its denial rate in the state was 4.7%, below the Ohio rate of 23.5% across all lenders and compared with the lender's national rate of 6.5%.
The median rate spread on its Ohio originations was 0.8 percentage points (state median 0.5).
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In Ohio | Ohio, all lenders | Union Home Mortgage Corp., all states | United States |
|---|---|---|---|---|
| Denial rate | 4.7% | 23.5% | 6.5% | 24.3% |
| Median rate spread, pp | 0.8 | 0.5 | 0.6 | 0.3 |
| Originations with spread of 1.5 pp or more | 13.4% | 17.7% | 8.7% | 15.6% |
| Average originated loan | $230k | $218k | $280k | $329k |
| Home purchase share | 85.9% | 51.7% | 83.3% | 57.0% |
| FHA-insured share | 16.2% | 12.3% | 19.3% | 13.4% |
| VA-guaranteed share | 5.8% | 5.9% | 8.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateOhio, all lenders
Loan purpose and loan type in Ohio
By purpose
Home purchase 86% (3,649)Home improvement 3% (107)Refinancing 4% (188)Cash-out refinancing 5% (193)Other purpose 3% (110)
By type
Conventional 76% (3,209)FHA 16% (690)VA 6% (245)USDA 2% (103)
Denial reasons as coded
Share of 217 denials in Ohio by first denial reason coded (outlined bar: all lenders in the state).
Counties in Ohio
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Franklin County | 825 | 592 | $173m | 3.2% |
| Lucas County | 579 | 425 | $69m | 5.5% |
| Cuyahoga County | 300 | 237 | $50m | 5.4% |
| Hamilton County | 244 | 179 | $40m | 5.7% |
| Fairfield County | 219 | 171 | $43m | 2.2% |
| Summit County | 195 | 156 | $30m | 2.5% |
| Marion County | 187 | 143 | $23m | 3.2% |
| Delaware County | 184 | 134 | $55m | 3.5% |
| Butler County | 165 | 133 | $33m | 6.9% |
| Lorain County | 167 | 129 | $32m | 6.4% |
| Montgomery County | 142 | 104 | $21m | 7.0% |
| Wood County | 125 | 103 | $24m | 0.0% |
| Huron County | 117 | 101 | $18m | 3.8% |
| Lake County | 115 | 99 | $20m | 2.0% |
| Licking County | 124 | 96 | $28m | 3.8% |
| Stark County | 97 | 76 | $16m | 2.4% |
| Warren County | 89 | 71 | $22m | 1.4% |
| Richland County | 89 | 64 | $11m | 5.7% |
| Knox County | 75 | 60 | $16m | 6.2% |
| Medina County | 73 | 55 | $15m | 9.7% |
| Union County | 64 | 53 | $18m | 0.0% |
| Erie County | 79 | 51 | $10m | 8.8% |
| Wayne County | 64 | 49 | $10.0m | 3.8% |
| Clermont County | 69 | 48 | $13m | 7.4% |
| Portage County | 56 | 45 | $9.8m | 4.1% |
| Ashtabula County | 57 | 44 | $8.0m | 13.5% |
| Crawford County | 57 | 43 | $7.3m | 4.4% |
| Geauga County | 44 | 42 | $13m | 0.0% |
| Madison County | 50 | 41 | $11m | 4.5% |
| Hocking County | 45 | 35 | $7.8m | 5.4% |
| Morrow County | 45 | 35 | $9.3m | 7.9% |
| Belmont County | 42 | 32 | $4.7m | 10.5% |
| Athens County | 35 | 32 | $6.6m | 2.9% |
| Trumbull County | 37 | 30 | $5.9m | 0.0% |
| Greene County | 35 | 28 | $6.7m | 3.4% |
| Ashland County | 33 | 27 | $4.3m | 10.0% |
| Miami County | 37 | 24 | $5.6m | 13.3% |
| Clark County | 31 | 24 | $4.4m | 4.0% |
| Mahoning County | 31 | 23 | $3.5m | 3.8% |
| Sandusky County | 29 | 23 | $3.4m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Union Home Mortgage Corp. originate in Ohio in 2024?
4,247 loans totalling $978m, from 5,581 applications reported for properties in Ohio.
What is Union Home Mortgage Corp.'s denial rate in Ohio?
4.7% of decided applications in Ohio were denied, against 23.5% for all lenders in the state and 6.5% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Ohio counties does Union Home Mortgage Corp. lend in most?
By originations: Franklin County (592), Lucas County (425), Cuyahoga County (237), Hamilton County (179), Fairfield County (171).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Ohio. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.