Lenders › Union Home Mortgage Corp. › Virginia
Union Home Mortgage Corp. in Virginia
HMDA record for properties in Virginia, calendar year 2024. National record · Virginia 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 Virginia covers 1,035 applications, 776 of them originated, worth $266m.
Its denial rate in the state was 8.8%, below the Virginia rate of 22.1% across all lenders and compared with the lender's national rate of 6.5%.
The median rate spread on its Virginia originations was 0.5 percentage points (state median 0.3).
Applications in the state were up 48% on 2023.
Compared with the state and the lender's national record
| Measure | In Virginia | Virginia, all lenders | Union Home Mortgage Corp., all states | United States |
|---|---|---|---|---|
| Denial rate | 8.8% | 22.1% | 6.5% | 24.3% |
| Median rate spread, pp | 0.5 | 0.3 | 0.6 | 0.3 |
| Originations with spread of 1.5 pp or more | 7.2% | 16.5% | 8.7% | 15.6% |
| Average originated loan | $343k | $352k | $280k | $329k |
| Home purchase share | 87.2% | 55.8% | 83.3% | 57.0% |
| FHA-insured share | 20.5% | 11.7% | 19.3% | 13.4% |
| VA-guaranteed share | 10.3% | 16.4% | 8.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateVirginia, all lenders
Loan purpose and loan type in Virginia
By purpose
Home purchase 87% (677)Home improvement 2% (15)Refinancing 6% (50)Cash-out refinancing 3% (23)Other purpose 1% (11)
By type
Conventional 66% (512)FHA 20% (159)VA 10% (80)USDA 3% (25)
Denial reasons as coded
Share of 76 denials in Virginia by first denial reason coded (outlined bar: all lenders in the state).
Counties in Virginia
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Roanoke County | 95 | 74 | $20m | 7.5% |
| Fairfax County | 92 | 63 | $28m | 13.9% |
| Roanoke city | 89 | 63 | $12m | 19.0% |
| Spotsylvania County | 72 | 50 | $22m | 7.3% |
| Prince William County | 66 | 45 | $22m | 13.5% |
| Augusta County | 34 | 30 | $9.1m | 0.0% |
| Stafford County | 42 | 29 | $17m | 3.3% |
| Franklin County | 28 | 24 | $5.8m | — |
| Salem city | 30 | 23 | $5.4m | — |
| Virginia Beach city | 28 | 23 | $8.2m | — |
| Loudoun County | 29 | 21 | $12m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Union Home Mortgage Corp. originate in Virginia in 2024?
776 loans totalling $266m, from 1,035 applications reported for properties in Virginia.
What is Union Home Mortgage Corp.'s denial rate in Virginia?
8.8% of decided applications in Virginia were denied, against 22.1% 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 Virginia counties does Union Home Mortgage Corp. lend in most?
By originations: Roanoke County (74), Fairfax County (63), Roanoke city (63), Spotsylvania County (50), Prince William County (45).
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 Virginia. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.