Applications / Mortgage Analytics / Lenders / Ohio / Union Home Mortgage
Strongsville, OH · Independent non-bank lender · CFPB · 37,767 loans in 2025
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37,767
loans originated, 2025
50,973
applications, 2025
49
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Union Home Mortgage, an Ohio-based purchase lender, grew its originations 38% to 37,767 in 2025, faster than most similar lenders, and gained share in Cincinnati.
Similar lenders are independent non-bank lenders making between half and twice as many loans. Its originations rose 38% against 19% at similar lenders and 10% for the whole market, faster than more than four in five of them. That brings it back to about the 37,324 loans it made five years before, after a low of 20,039 in 2023.
Its share rose to 2.3% from 1.4% in Cincinnati, where it ranked 11 of 621. In Columbus it ranked 9 of 596 with 2.2% against 2.4% a year earlier, behind The Huntington National Bank, a move of 0.2 points that is too small to read much into.
Purchases were 75.3% of its loans. RHS (guaranteed by the Department of Agriculture's Rural Housing Service) loans were 1.8% against 0.4%, and manufactured homes 4.0% against 2.2%, both higher than most similar lenders. 16.5% of its loans were in majority-minority areas against 26.3%, the lowest among similar lenders; its rural lending and its Ohio base could account for some of this.
6.7% of its refinance applications were denied against 17.3%, and 5.0% of purchase applications against 5.5%. 4.0% of its loans were higher-priced (a rate well above the average for similar loans) against 4.4%, and its typical rate matched similar lenders' at 6.62%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Union Home Mortgage took 50,973 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 75.3% · Refinance 20.6% · Other 2.3% · Home improvement 1.8%
Conventional 68.0% · FHA 21.3% · VA 9.0% · USDA (RHS or FSA) 1.8% · of 37,767 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Ohio | 5,380 | 14.2% |
| Michigan | 4,118 | 10.9% |
| Texas | 3,238 | 8.6% |
| Florida | 2,495 | 6.6% |
| Indiana | 2,257 | 6.0% |
| North Carolina | 2,127 | 5.6% |
| Pennsylvania | 1,934 | 5.1% |
| Illinois | 1,655 | 4.4% |
| Tennessee | 1,404 | 3.7% |
| Kentucky | 1,069 | 2.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Warren-Troy-Farmington Hills | 1,375 |
| Cincinnati | 1,372 |
| Chicago-Naperville-Schaumburg | 1,321 |
| Columbus | 1,282 |
| Indianapolis-Carmel-Greenwood | 1,057 |
| Pittsburgh | 870 |
| Houston-Pasadena-The Woodlands | 867 |
| Cleveland | 795 |
| Dallas-Plano-Irving | 715 |
| Lansing-East Lansing | 636 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300RPOGWJRH63HS39 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3837261 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 73827009995 | 1990–2017 |
Established 30 October 1970. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Union Home Mortgage's data.
Union Home Mortgage's data
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Union Home Mortgage and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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