The Mortgage Record
Lender report card · New Jersey

Union Home Mortgage Corp.

Strongsville, OH · What the federal mortgage record shows about how Union Home Mortgage Corp. treated New Jersey applicants, 2018–2025 — 3,851 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
96.3%
3,707 approved
Denial rate
3.7%
144 denied
Decisions
3,851
2018–2025
Avg. rate spread
+0.45 pp
vs. market benchmark
96.3% approved
3.7% denied

Share of 3,851 New Jersey applications Union Home Mortgage Corp. approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional96.8% of 2,979 · NJ 87%FHA92.9% of 607 · NJ 79%VA97.8% of 181 · NJ 80%USDA97.6% of 84 · NJ 87%

“NJ” = the statewide average approval rate for that loan type, for comparison.

Approval rate over time

91%93%95%97%99%95%98%97%99%97%97%95%94%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, Union Home Mortgage Corp.’s rates ran +0.12 pp higher than the typical New Jersey lender (average rate spread +0.45 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Union Home Mortgage Corp. approves

By income
Under $50k91.4% · 337$50–75k96.3% · 630$75–100k96.5% · 592$100–150k96.5% · 920$150–250k97.3% · 946$250k+97.2% · 355
By debt-to-income
Under 36%98.8% · 1,30836–43%97.4% · 1,02343–50%96.6% · 1,194Over 50%78.5% · 251
By down payment (LTV)
20%+ down97.4% · 1,88710–20% down97.0% · 5265–10% down95.2% · 5003–5% down94.5% · 366Under 3% down91.9% · 198

Why Union Home Mortgage Corp. denied applications

Debt-to-income ratio40% of denialsCollateral (value/type)24% of denialsUnverifiable information12% of denialsCredit history12% of denialsEmployment history10% of denialsOther8% of denials

Where Union Home Mortgage Corp. lends in NJ

CountyDecisionsApproval
Atlantic County1,02997.4%
Ocean County42496.9%
Middlesex County27195.6%
Bergen County23394.8%
Morris County20998.6%
Monmouth County20496.6%
Union County18696.2%
Essex County17594.3%

Fees & closing costs

Median total loan costs
$7,588
home purchase
As % of loan
2.56%
NJ median 1.93%
Priced originations
2,682
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Union Home Mortgage Corp.’s home-purchase originations — 0.63 points higher than the 1.93% New Jersey median. Typical lender credit toward costs: $4,773. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

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Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Union Home Mortgage Corp. (LEI 549300RPOGWJRH63HS39). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →