Lender in North Carolina · HMDA 2025
Union Home Mortgage Corp. mortgages in North Carolina
Union Home Mortgage Corp.'s 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
Union Home Mortgage Corp. originated 1,598 owner-occupied single-family loans in North Carolina from 1,692 completed applications, making it the state's #24 lender by volume.
Its median conventional purchase loan costs were $5,450 versus $4,840 for all North Carolina lenders, at a median 30-year fixed rate of 6.75% (North Carolina: 6.50%).
Loans in NC
1,598
of 1,692 applications
Denial rate
3.0%
Purchase · NC 7.6%
Rate spread
+0.28 pts
Conv. · NC +0.04 pts
Loan amount
$305,000
Purchase · NC $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,279 | 1,218 | 3.0% | 6.750% | +0.28 pts | $5,450 | $305,000 |
| Refinance | 311 | 282 | 7.1% | 6.500% | −0.02 pts | $4,750 | $315,000 |
| Cash-out refinance | 102 | 98 | 2.9% | 6.875% | +0.40 pts | $4,950 | $225,000 |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where Union Home Mortgage Corp. ranks in the top 25
Showing the 30 counties where it ranks highest, of 36.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Macon County | 1 | 73 | 16.6% |
| Cherokee County | 1 | 53 | 15.5% |
| Jackson County | 4 | 10 | 3.4% |
| Swain County | 4 | 6 | 5.6% |
| Scotland County | 5 | 10 | 3.7% |
| Graham County | 5 | 3 | 5.1% |
| Alamance County | 6 | 96 | 3.3% |
| Orange County | 7 | 40 | 2.7% |
| Richmond County | 7 | 14 | 4.3% |
| Cumberland County | 10 | 136 | 2.3% |
| Hoke County | 10 | 46 | 2.7% |
| Madison County | 11 | 5 | 2.6% |
| Moore County | 12 | 60 | 2.6% |
| Person County | 12 | 7 | 1.5% |
| Davidson County | 13 | 50 | 1.8% |
| Rowan County | 13 | 40 | 1.7% |
| Craven County | 13 | 35 | 1.8% |
| Clay County | 14 | 3 | 2.3% |
| Guilford County | 16 | 115 | 1.8% |
| Haywood County | 16 | 11 | 1.3% |
| Lee County | 17 | 13 | 1.1% |
| Sampson County | 17 | 7 | 1.4% |
| Randolph County | 18 | 24 | 1.3% |
| Anson County | 18 | 3 | 1.7% |
| Gaston County | 19 | 58 | 1.3% |
| Vance County | 20 | 4 | 1.3% |
| Yadkin County | 20 | 4 | 1.0% |
| Harnett County | 21 | 44 | 1.1% |
| Carteret County | 21 | 14 | 1.3% |
| Nash County | 22 | 16 | 1.1% |
- Union Home Mortgage Corp. nationwide
- North Carolina mortgage market
- Union Home Mortgage Corp. in Ohio
- Union Home Mortgage Corp. in Michigan
- Union Home Mortgage Corp. in Texas
- Union Home Mortgage Corp. in Indiana
- Union Home Mortgage Corp. in Florida
- Union Home Mortgage Corp. in Pennsylvania
- Union Home Mortgage Corp. in Illinois
- Union Home Mortgage Corp. in Tennessee
- Union Home Mortgage Corp. in Kentucky
- Union Home Mortgage Corp. in California
- Union Home Mortgage Corp. in Alabama
- Union Home Mortgage Corp. in New Jersey
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology