Union Capital Mortgage at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
76th4.5% deniedPricingmedian rate spread over APOR, weight 30%
45th0.31 ptsProcesswithdrawn + incomplete share, weight 15%
35th14.9%Closing coststotal loan costs ÷ loan amount, weight 10%
30th2.47% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 493 | 387 | 4.1% | 4.9% | 6.88% | $102M |
| 2024 | 631 | 504 | 3.7% | 4.4% | 6.63% | $138M |
| 2025 | 757 | 615 | 3.8% | 4.5% | 6.50% | $177M |
What Union Capital Mortgage lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 4 manufactured homes, 57 investment properties.
Why Union Capital Mortgage denies applications
Primary reason reported for each of the 29 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Union Capital Mortgage
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 65 | 47 | 14.6% |
| $50k – $100k | 299 | 240 | 4.0% |
| $100k – $150k | 151 | 131 | 3.7% |
| $150k – $250k | 154 | 122 | 1.6% |
| Over $250k | 84 | 73 | 4.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 73 | 57 | 8.1% |
| 25–34 | 255 | 221 | 2.2% |
| 35–44 | 161 | 131 | 5.1% |
| 45–54 | 123 | 98 | 3.0% |
| 55–64 | 100 | 74 | 6.3% |
| 65–74 | 33 | 23 | 14.8% |
Where Union Capital Mortgage lends
5 states and 62 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Union Capital Mortgage denied 4.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 76th percentile of small mortgage lenders.
The most common reason Union Capital Mortgage gave in 2025 was "credit history", cited on 31.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Union Capital Mortgage originated in 2025 was 6.50%, and its median rate spread over the average prime offer rate was 0.31 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 86% of its applications were for home purchases, 7% for refinancing (including cash-out), and 7% for home improvement or other purposes. By loan type: 74% conventional, 19% FHA, 7% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.