Mortgage by CountyWhat home buyers actually paid, county by county

Independent analysis of official mortgage recordsHMDA 2025 · 7,155,718 applications

Lender profile · HMDA 2025

Union Capital Mortgage Corporation: 2025 mortgage rates, costs & approvals

How Union Capital Mortgage Corporation priced and approved home loans in 2025, measured against every lender in the official HMDA records.

HMDA legal name: UNION CAPITAL MORTGAGE CORPORATION · LEI 549300EBXH41OP56DQ10

In 2025, Union Capital Mortgage Corporation originated 527 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 3 states — 711th by volume among the 2,017 lenders profiled here.

On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was 7 basis points above the national median. Median conventional loan costs were $5,590, about the same as the national median ($5,570).

It denied 4.2% of completed home-purchase applications (all lenders: 8.5%).

Loans
527
of 551 applications
Denial rate
4.2%
Purchase · all 8.5%
30-yr fixed rate
6.625%
Conv. · all 6.625%
Loan costs
$5,590
Conv. · all $5,570
Loan amount
$245,000
Purchase · all $335,000
Borrower income
$95,000
Purchase · all $116,000

How Union Capital Mortgage Corporation priced home-purchase loans

Purchase loans, 2025Union Capital Mortgage CorporationAll lenders
30-year fixed rate · conventional6.625%6.625%
30-year fixed rate · FHA6.500%6.250%
30-year fixed rate · VA6.000%6.125%
15-year fixed rate · conventional—5.875%
Rate spread vs. APOR · conventional+0.20 pts+0.13 pts
Total loan costs · conventional$5,590$5,570
Total loan costs · FHA$9,940$11,310
Total loan costs · VA$8,520$6,490
Origination charges (all types)$2,510$1,860
Borrowers paying discount points50.6%51.3%
Points paid, when paid (% of loan)0.74%0.87%
Borrowers receiving lender credits44.8%33.1%

Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.

Loan mix and borrowers

By loan type

Conventional 72.3% 381
FHA 19.9% 105
VA 7.4% 39
USDA 0.4% 2

By purpose

Home purchase 92.0% 485
Refinance 8.0% 42
Home value
$275,000
Median, purchase loans
Down payment
6%
All lenders 10%
Refi rate
6.50%
30-yr fixed, conventional
Refi denial rate
6.7%
Cash-out —

Why Union Capital Mortgage Corporation denied purchase applications

Debt-to-income ratio 33.3% 7
Credit history 23.8% 5
Employment history 14.3% 3
Other 14.3% 3
Collateral (appraisal/property) 9.5% 2
Unverifiable information 4.8% 1

First reason the lender reported for each denied home-purchase application.

Where Union Capital Mortgage Corporation lends

StateLoansApplicationsPurchase denial rate30-yr rate*Loan costs*
Ohio5225443.8%6.625%$5,590
Florida46———
Georgia11———

*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Union Capital Mortgage Corporation's page for that state.

Counties where Union Capital Mortgage Corporation is a top lender

CountyRankLoansMarket share
Sandusky County, OH12162.2%
Pickaway County, OH18241.9%
Erie County, OH13161.8%
Cuyahoga County, OH201781.3%
Geauga County, OH21131.1%
Ross County, OH2280.9%
Huron County, OH2250.8%

Check Union Capital Mortgage Corporation yourself

This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.

Lenders of similar size

Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology