Union Home Mortgage Corp.

What Union Home Mortgage Corp. does

Union Home Mortgage Corp. (UHM) is a U.S. private, full-service mortgage banking company founded in 1970 and headquartered in Strongsville, Ohio, with 501-1,000 employees. The company originates and refinances residential mortgage loans across a broad product set that includes Conventional, FHA, VA, USDA, Refinancing, Rehab, and New Home Construction loans, supplemented by a Home Equity Line of Credit (HELOC) and an in-house insurance offering (Union Home Insurance). UHM distributes these products through a direct-to-consumer model combining a multi-state branch and loan officer network, a centralized toll-free phone sales operation (1-877-846-4968), and a digital self-service portal for loan management, mortgage calculators, and loan officer lookup. A signature customer acquisition offering is the 1% Down Payment Program, under which UHM contributes up to 2% (capped at $2,000) toward a 3% down payment for first-time homebuyers earning at or below 80% of area median income.

UHM generates revenue transactionally through origination fees and interest rate spreads on closed mortgage loans, with refinancing providing a secondary origination stream that is highly sensitive to the interest rate environment. Ancillary revenue is generated through affiliate-style referrals in Union Home Insurance. The company markets itself through a multi-channel mix spanning content marketing (blog/resource center), organic social (Facebook, X, Instagram, LinkedIn), earned media, and customer referrals, and is licensed under NMLS #2229 and California's Finance Lenders Law. New York State is explicitly excluded from its origination footprint.

Technology is centered on a standard digital mortgage origination platform with online account management, mortgage and refinance calculators, and a loan officer locator; no proprietary AI, API, or integration capabilities are disclosed. The company presents itself as a service-led lender, with customer testimonials repeatedly emphasizing responsiveness, attention to detail, and early closings, and has received a Top Workplace Award as a culture signal. No acquisitions, funding rounds, M&A activity, or external institutional ownership were disclosed in the source data.

Name

Union Home Mortgage Corp.

Legal name

Union Home Mortgage Corp.

Website

https://unionhomemortgage.com

Company type

Private

Founded year

1970

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Union Home Mortgage Corp. is a U.S. private, full-service residential mortgage bank originating Conventional, FHA, VA, USDA, Refinance, Rehab, New Construction, and HELOC loans through a multi-state branch and loan officer network, phone sales, and a digital portal, with a signature 1% Down Payment Program for first-time homebuyers.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

HELOC Origination (Revolving Lines of Credit) (FSALAGAB)

akta.pro secondary industries

Home Equity Loan/HELOC Underwriting & Credit Policy (FSALAGAC), Home Equity Loan/HELOC Refinancing & Modification (FSALAGAE), Home Equity Loan/HELOC Servicing & Subservicing (FSALAGAD), Home Equity–Based Debt Consolidation (HEL/HELOC for consolidation) (FSAKAIAE)

Keywords

• Residential mortgage lending
• Home loan origination
• Refinancing services
• Home equity loans
• First-time homebuyer programs

Headquarters

HQ city

Strongsville

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Mortgage Origination: Union Home Mortgage originates various mortgage loan products including Conventional, FHA, VA, USDA, Rehab, and New Home Construction loans. Revenue is generated through interest rate spreads and origination fees charged to borrowers at closing.
2. Refinancing: Refinancing existing mortgages generates additional origination revenue when homeowners restructure their loans.
3. Home Equity Line of Credit (HELOC): HELOC products allow homeowners to access equity in their homes, generating origination fees.
4. Union Home Insurance Services: Ancillary insurance services for homeowners, providing referral or commission-based revenue.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Union Home Mortgage Corp. is a full-service residential mortgage banking company that originates and closes home loans including Conventional, FHA, VA, USDA, Refinancing, Rehab, and New Home Construction loans. The company also offers a Home Equity Line of Credit (HELOC) for tapping home equity and Union Home Insurance as an ancillary service. Its signature offering is the 1% Down Payment Program, under which qualified first-time homebuyers put as little as 1% down with the company contributing up to an additional 2% (maximum $2,000) toward a 3% down payment.

Product overview

Union Home Mortgage Corp. is a mortgage lender offering a comprehensive suite of loan products centered on residential mortgage lending. The portfolio includes conventional, FHA, VA, and USDA government-backed loans, along with refinancing options and specialty products like rehabilitation and new construction financing. The company also provides home equity products (HELOC) and homeowners insurance. A notable offering is the 1% Down Payment Program for first-time homebuyers, which provides down payment assistance up to 2% of the purchase price. The company operates through a network of branches and loan officers, serving primary residence purchases, refinances, and home equity needs.

Differentiator

Problem solved

Functional benefit

Brands

• Union Home Insurance: Insurance services offered by Union Home Mortgage
• 1% Down Payment Program

Products and services

• Conventional Loans

Quantifiable outcome

• Down payment assistance up to 2% (max $2,000) for qualified first-time buyers
• +2 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• NewRez (Rithm Capital): NewRez is a top-10 U.S. mortgage originator and servicer offering Conventional, FHA, VA, USDA, and HELOC products across retail, wholesale, and correspondent channels. Comparable to UHM in product breadth, but operates within a publicly traded parent (Rithm Capital) at much greater scale.
• Rocket Mortgage: Rocket Mortgage is the largest U.S. retail mortgage lender, offering Conventional, FHA, VA, USDA, and HELOC products through a digital-first and call-center model. Directly comparable to UHM in product breadth, but with vastly greater scale, brand recognition, and technology investment.
• United Wholesale Mortgage (UWM): UWM is the largest U.S. wholesale mortgage lender, providing Conventional, FHA, VA, USDA, and HELOC products through a broker channel. Comparable to UHM in product portfolio, but operates via a TPO broker channel rather than UHM's direct branch network, and at significantly higher origination volume.

Direct peers

• Movement Mortgage: Movement Mortgage is a privately held retail mortgage banker operating through a national branch network with Conventional, FHA, VA, and HELOC products. Comparable to UHM in private status, branch-led model, and full product suite, and at similar employee scale.
• Paramount Residential Mortgage Group (PRMG): PRMG is a privately held retail and wholesale mortgage lender offering Conventional, FHA, VA, USDA, and HELOC products through branch and TPO channels. Comparable to UHM across products, private status, and multi-channel retail distribution.
• Fairway Independent Mortgage Corporation: Fairway Independent Mortgage is a privately held retail mortgage banker with a national branch network offering Conventional, FHA, VA, USDA, and HELOC products. Highly comparable to UHM in private status, branch-based retail distribution, and product breadth, and at a similar mid-market scale.
• Caliber Home Loans: Caliber Home Loans is a privately held mortgage banker offering Conventional, FHA, VA, USDA, and HELOC products through retail and correspondent channels. Directly comparable to UHM in private status and product suite, and competing in similar mid-tier retail segments.
• Guild Mortgage: Guild Mortgage is a retail-focused mortgage banker offering Conventional, FHA, VA, USDA, and specialized first-time buyer programs through a national branch network. Highly comparable to UHM, especially in its emphasis on first-time homebuyer affordability programs similar to UHM's 1% Down offering.
• loanDepot: loanDepot is a direct-to-consumer and retail mortgage banker offering Conventional, FHA, VA, USDA, refi, and HELOC products through a branch and call-center network. Highly comparable to UHM's product set and branch-led distribution model, but operating at materially greater scale.
• CrossCountry Mortgage: CrossCountry Mortgage is a rapidly growing retail mortgage banker with a multi-state branch network, offering Conventional, FHA, VA, USDA, and HELOC products. Closest direct peer to UHM in branch-based retail distribution and product breadth, and similar mid-size scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/unionhomemtg
• Facebookfacebook.com/unionhomemortgagecorp
• LinkedInlinkedin.com/company/union-home-mortgage
• Instagraminstagram.com/unionhomemortgage

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Union Home Mortgage Corp.