Grade B · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$6,796
median across reports
vs. National Average
102%
above national avg
Avg Origination Charge
$3,826
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $3,826 | $1,553 | 🔺 High |
| lender_credits | $2,937 | $443 | 🔺 High |
| discount_points | $2,728 | $2,425 | 🔴 Above Avg |
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Based on 33,429 homebuyer-submitted Closing Disclosures, Union Home Mortgage Corp.'s median total closing costs are $6,796. This is about 102% above the $3,356 national peer median for comparable lenders. Actual costs vary by loan type, loan amount, property state, and individual borrower profile. This data is informational only and not financial advice.
Are Closing Costs Negotiable?
Which fees you can push back on and how to do it.
What Are Junk Fees on a Mortgage?
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How to Read Your Closing Disclosure
Page-by-page walkthrough of the 5-page form.
Average Closing Costs by State
Benchmark your costs against the state average.
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Compare Union Home Mortgage Corp. with another lender
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Aggregates from Union Home Mortgage Corp.'s 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
24,566
Ranked #18 nationally
Median Total Costs
$7,340
+9.9% vs national ($6,680)
Median Rate
6.625%
+2.1% vs national (6.490%)
Median Origination
$2,766
Median Lender Credits
$1,221
Cost Rank (500+ vol.)
#395
among lenders with 500+ originations
Denial Rate
4.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 16,058 | 6.625% | $6,026 | $2,629 |
| fha | 5,831 | 6.375% | $10,990 | $3,100 |
| va | 2,069 | 6.375% | $8,996 | $2,681 |
| usda | 608 | 6.500% | $7,270 | $2,857 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Ohio | 3,596 | 6.750% | $6,592 | #5 |
| Michigan | 2,479 | 6.875% | $5,873 | #4 |
| Texas | 2,404 | 6.250% | $11,130 | #22 |
| Florida | 1,664 | 6.500% | $9,205 | #27 |
| Indiana | 1,558 | 6.625% | $4,854 | #9 |
| Pennsylvania | 1,423 | 6.625% | $8,054 | #13 |
| North Carolina | 1,273 |
| This lender | Ohio median | National median | |
|---|---|---|---|
| Total Closing Costs | $6,592 | $5,240 | $6,680 |
| Interest Rate | 6.750% | 6.620% | 6.490% |
| Originations in state | 3,596 | — | — |
Based on 2025 HMDA data. State and national medians cover all reporting lenders.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Union Home Mortgage Corp. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $295,000 | $335,000 | −$40,000 (−11.9%) |
| Median total closing costs | $7,340 | $7,127 | +$213 (+3.0%) |
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This content is for informational purposes only and does not constitute legal, financial, or tax advice. Consult a licensed professional for advice specific to your situation.
| 6.500% |
| $7,415 |
| #23 |
| Illinois | 1,003 | 6.750% | $6,962 | #20 |
| Tennessee | 879 | 6.375% | $7,877 | #15 |
| Kentucky | 744 | 6.500% | $5,493 | #8 |
| Alabama | 664 | 6.500% | $7,818 | #20 |
| California | 586 | 6.125% | $11,886 | #69 |
| New Jersey | 561 | 6.500% | $10,407 | #30 |
| Georgia | 539 | 6.500% | $8,857 | #46 |
| Oregon | 461 | 6.500% | $8,197 | #24 |
| Colorado | 456 | 6.500% | $5,853 | #34 |
| Wisconsin | 418 | 6.625% | $4,267 | #34 |
| Virginia | 408 | 6.500% | $9,385 | #50 |
| Arizona | 401 | 6.500% | $7,644 | #48 |
| Minnesota | 281 | 6.500% | $6,189 | #50 |
| South Carolina | 276 | 6.500% | $7,753 | #63 |
| Connecticut | 262 | 6.625% | $9,258 | #22 |
| Kansas | 204 | 6.500% | $6,002 | #34 |
| Washington | 200 | 6.375% | $7,141 | #64 |
| Louisiana | 196 | 6.438% | $5,327 | #38 |
| Maryland | 195 | 6.625% | $9,625 | #63 |
| Oklahoma | 185 | 6.500% | $7,324 | #45 |
| Missouri | 178 | 6.625% | $4,747 | #63 |
| Mississippi | 173 | 6.250% | $6,908 | #30 |
| Massachusetts | 121 | 6.375% | $8,588 | #82 |
| Montana | 107 | 6.375% | $11,429 | #18 |
| Nebraska | 96 | 6.500% | $3,893 | #41 |
| New Mexico | 74 | 6.625% | $5,837 | #50 |
| West Virginia | 73 | 6.375% | $6,785 | #42 |
| Utah | 66 | 5.990% | $9,043 | #71 |
| Arkansas | 64 | 6.375% | $5,089 | #84 |
| Idaho | 58 | 6.250% | $12,218 | #63 |
| Delaware | 52 | 6.625% | $6,073 | #42 |
| Wyoming | 45 | 6.500% | $9,144 | — |
| Nevada | 44 | 6.250% | $10,286 | — |
| Iowa | 23 | 6.500% | $4,924 | — |
| North Dakota | 20 | 5.990% | $8,430 | — |
| South Dakota | 16 | 6.125% | $7,593 | — |
| New Hampshire | 15 | 6.375% | $8,882 | — |
| District of Columbia | 8 | 6.625% | $6,010 | — |
| Rhode Island | 8 | 6.312% | $8,703 | — |
| Alaska | 5 | 6.125% | $11,358 | — |
| Maine | 3 | 6.250% | $10,498 | — |
| Vermont | 1 | 5.625% | $14,171 | — |