United Mortgage Corp.: 2025 mortgage rates, costs & approvals
How United Mortgage Corp. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: UNITED MORTGAGE CORP. · LEI 5493005ICQ3QGEIWV618
In 2025, United Mortgage Corp. originated 1,944 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 39 states — 285th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.875% (all lenders: 6.625%); its median rate spread was 37 basis points above the national median. Median conventional loan costs were $10,570, 90% higher than the national median ($5,570).
It denied 5.6% of completed home-purchase applications (all lenders: 8.5%).
How United Mortgage Corp. priced home-purchase loans
| Purchase loans, 2025 | United Mortgage Corp. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.875% | 6.625% |
| 30-year fixed rate · FHA | 6.625% | 6.250% |
| 30-year fixed rate · VA | 6.375% | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.51 pts | +0.13 pts |
| Total loan costs · conventional | $10,570 | $5,570 |
| Total loan costs · FHA | $19,390 | $11,310 |
| Total loan costs · VA | $12,890 | $6,490 |
| Origination charges (all types) | $6,110 | $1,860 |
| Borrowers paying discount points | 71.9% | 51.3% |
| Points paid, when paid (% of loan) | 1.27% | 0.87% |
| Borrowers receiving lender credits | 24.3% | 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
By purpose
Why United Mortgage Corp. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where United Mortgage Corp. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| New York | 872 | 1,096 | 5.9% | 6.750% | $13,100 |
| Pennsylvania | 254 | 293 | 2.6% | 7.125% | $5,880 |
| New Jersey | 249 | 325 | 5.9% | 6.875% | $8,210 |
| Florida | 115 | 168 | 9.5% | 6.875% | $8,500 |
| Texas | 94 | 116 | 5.3% | — | — |
| Ohio | 49 | 69 | 4.8% | — | — |
| Connecticut | 42 | 56 | 4.1% | — | — |
| Georgia | 40 | 51 | — | — | — |
| South Carolina | 34 | 43 | — | — | — |
| Michigan | 24 | 29 | — | — | — |
| Indiana | 19 | 27 | — | — | — |
| Kentucky | 18 | 23 | — | — | — |
| Colorado | 17 | 20 | — | — | — |
| Tennessee | 16 | 19 | — | — | — |
| Nevada | 16 | 18 | — | — | — |
| Washington | 14 | 17 | — | — | — |
| North Carolina | 12 | 19 | — | — | — |
| Wisconsin | 8 | 9 | — | — | — |
| Virginia | 7 | 9 | — | — | — |
| Massachusetts | 6 | 8 | — | — | — |
| Kansas | 5 | 5 | — | — | — |
| Oklahoma | 4 | 4 | — | — | — |
| Maryland | 3 | 7 | — | — | — |
| Mississippi | 3 | 6 | — | — | — |
| Illinois | 3 | 4 | — | — | — |
| New Hampshire | 3 | 3 | — | — | — |
| Minnesota | 2 | 4 | — | — | — |
| California | 2 | 3 | — | — | — |
| District of Columbia | 2 | 3 | — | — | — |
| Idaho | 2 | 2 | — | — | — |
| Oregon | 2 | 2 | — | — | — |
| Alabama | 1 | 3 | — | — | — |
| Rhode Island | 1 | 2 | — | — | — |
| Arizona | 1 | 1 | — | — | — |
| Delaware | 1 | 1 | — | — | — |
| Louisiana | 1 | 1 | — | — | — |
| Maine | 1 | 1 | — | — | — |
| West Virginia | 1 | 1 | — | — | — |
| Arkansas | 0 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open United Mortgage Corp.'s page for that state.
Counties where United Mortgage Corp. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Luzerne County, PA | 4 | 153 | 4.7% |
| Suffolk County, NY | 7 | 378 | 2.7% |
| Schuylkill County, PA | 13 | 28 | 1.9% |
| Nassau County, NY | 14 | 192 | 1.8% |
| Queens County, NY | 16 | 137 | 1.6% |
| Ohio County, IN | 15 | 1 | 1.5% |
| Terry County, TX | 19 | 1 | 1.5% |
| Bronx County, NY | 19 | 27 | 1.3% |
| Columbia County, PA | 16 | 7 | 1.3% |
| Okfuskee County, OK | 23 | 1 | 1.2% |
| Carbon County, PA | 23 | 10 | 1.1% |
| Teton County, ID | 22 | 2 | 1.0% |
| Crawford County, IN | 19 | 1 | 1.0% |
| Okeechobee County, FL | 23 | 3 | 0.9% |
Check United Mortgage Corp. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 5493005ICQ3QGEIWV618.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from United Mortgage Corp. with similar 2025 loans.
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