AT A GLANCE Q3 2026
Confidential Information. Reserve judgement when disseminating. For privileged partner eyes only.
TABLE OF CONTENTS 3
Our Story
12
Mutual Title/ UHI/ Foundation
4
Senior Leadership
13
Code of Conduct
6
Production Summary
7
UHM Products
8
Sales Tech & AI
9
Partners Coaching Partners
10
Servicing
11
Marketing/Sponsorships
49
STATES
*Not Licensed in New York
210+
BRANCHES 8,500+ 5-STAR GOOGLE REVIEWS
OUR STORY
Since our inception in 1970, Union Home Mortgage has guided countless aspiring homebuyers through the process of achieving homeownership. We believe that homeownership should be accessible to everyone, and we’re committed to going the extra mile and personalizing the homebuying experience for every customer. When Bill Cosgrove joined UHM in 1994 and later purchased the company in 2000, he aimed to create a culture that stands out in the mortgage industry – one centered on people, integrity, and accountability. Under Bill's leadership as CEO, we have built the world class culture he envisioned by uniting around our Code of Conduct and a commitment to growth, productivity, and execution. Here you won't find employees, but Partners, working together to help individuals and families achieve the dream of homeownership each and every day. Our dedication to delivering personal, high-quality service has expanded our reach into over 49 states and D.C. and grown our closed loan production run rate to $17 billion in 2026. 3
BILL COSGROVE CHIEF EXECUTIVE OFFICER
Bill Cosgrove is the Owner and Chief Executive Officer of Union Home Mortgage (UHM) and partner, Co-Chairman of the Tampa Bay Rays. Bill has enjoyed a storied career as an industry leader and advocate for the mortgage industry. He began his career in mortgage banking as a residential loan officer in 1986, and after consistently outperforming his peers, he developed a reputation as a “go-to” loan officer in Northeast Ohio. Bill joined Union Home Mortgage Corp. in 1994, and through his successes, was eventually named President of the firm in 1998. In 2000, he purchased the organization, becoming the sole owner, and since then, he has led the company in its growth from humble Cleveland beginnings to national acclaim, with an award-winning workplace culture and outstanding business performance. Under his ownership, loan production at UHM has grown over 5000%, reaching $15.7 billion in 2021. Bill maintains his designation as a Certified Mortgage Banker (CMB), a testament to his dedication to the mortgage industry.
Bill has always maintained a firm belief in the American dream of homeownership being accessible to all, and his advocacy and voice are making an impact across the mortgage industry, with service outside of UHM including:
National Chairman, Mortgage Bankers Association (MBA) – 2015 President, Ohio Mortgage Bankers Association (OMBA) – 2007-2008. Only person in the history of Ohio Mortgage Banking to become President of the OMB and MBA. National Chairman, MBA MORPAC – 2008-2010; raised $1.1 million for industry advocacy GSE Repurchase Request Task Force Chairman, MBA Board of Directors – 2012-2019 Co-Chairman, Loan Originator Qualification Task Force Member, MBA Legislative Steering Committee Member, MA Residential Board of Governors (RESBOG) Advisory Committee
Cosgrove also serves on various boards and supports organizations throughout the community, including board seats on the Rock & Roll Hall of Fame and the Playhouse Square Foundation. In September 2025, he further expanded his leadership in professional sports by becoming Co-Chair of the Tampa Bay Rays, as part of the lead investor group that purchased the Major League Baseball franchise.
4
SENIOR
LEADERSHIP Al Blank
SVP Business Development
Jill Ross
SVP Mortgage Operations
Brian Smith COO Retail Lending
Jim Ferriter
SVP Retail Sales
Bryan Wright
Division Manager
Mike Jones
National Sales Manager
Jim Racine
Division Manager
5
2025 - 2026
PRODUCTION SUMMARY HISTORICAL PRODUCTION 2026
2025
Jan. 2026- Aug. 2026
13,060,000,000
Retail
Units
Volume ($)
Retail
Units
Volume ($)
Conventional
9,576
2,988,306,635
Conventional
13,101
3,874,667,098
Government
5,764
1,666,601,078
Government
8,895
2,530,130,112
Total
15,340
4,654,907,713
Total
21,996
6,404,797,210
Wholesale
Units
Volume
Wholesale
Units
Volume
Conventional
9,206
3,682,176,331
Conventional
9,267
3,685,854,639
Government
3,561
1,319,057,945
Government
2,716
889,081,475
Total
12,767
5,001,234,276
Total
11,983
4,574,936,114
Consumer Direct
Units
Volume
Consumer Direct
Units
Volume
Conventional
750
238,634,449
Conventional
1,004
315,525,274
Government
584
191,050,683
Government
568
184,863,565
Total
1,334
429,685,132
Total
1,572
500,388,839
Total
29,441
10,085,827,121
Total
35,551
11,480,122,163
Average Loan Size
$342,578
Average Loan Size
66,000
12,060,000,000
61,000
11,060,000,000
56,000
10,060,000,000
51,000
9,060,000,000
46,000
8,060,000,000
41,000
7,060,000,000
36,000
6,060,000,000
31,000
5,060,000,000
26,000
4,060,000,000
21,000
3,060,000,000
16,000
2,060,000,000
11,000
1,060,000,000
6,000
60,000,000
1,000 2016
2017
2018
$322,920
2019
2020
Volume
2021
2022
2023
2024
2025
*2026
Units
Year
Volume
Units
Year
Volume
Units
2016
2,401,954,175
14,737
2022
5,737,370,468
22,381
2017
2,467,702,755
14,889
2023
5,197,817,030
19,515
2018
3,023,743,060
17,347
2024
7,619,975,420
25,562
2019
4,458,328,599
23,019
2025
11,480,122,163
35,551
2020
10,380,240,074
44,223
2026*
10,085,827,121
29,441
2021
13,111,499,141
52,610
*Jan. 2026-Aug. 2026
6
UHM PRODUCTS
FTHB OPTIONS C2P RENO LENDING
UHM HELOC CORRESPONDENT PRODUCTS 7
GOVERNMENT PRODUCTS
Ready, Set, Home!, First Home Explorer, Temporary Buydown Options, & UHM Grant Program CONV, VA, USDA, FHA, Stick Built & Manufactured/Modular Available, Forward Commitments Available FHA 203(k) Program, Fannie Mae Homestyle, & UHM R.D. Rehab Program Flex, Signature, & Piggyback
UHM Platinum- Bank Statement, DSCR, Jumbo, Non-Owner Occupied
FHA 203(b), FHA 203(h) Disaster Victims Program, FHA 203(k), USDA, USDA Streamlined & Streamlined Assist Refinance, UHM Rural Rehabilitation Program, VA Home Loans 8
TECH STACK STACK AI
SALES TECH
Appraisal Analyzer
Asset Analyzer
Non-QM Navigator
MBS Highway
Credit Analyzer
One-Click Refi
List Reports
Home Reports
Sales Contract
Non-QM Navigator
Finicity
P&L Options
Analyzer Gateless
Truv Gateless
8
PARTNERS COACHING PARTNERS INTERNAL COACHING PROGRAM
294 PCP Partners Contributed 10,636 Units
$3,137,274,781 In 2025, loan officers in PCP closed
FUNDED
49%
Total UHM Retail Volume
64% more business on average compared to those not in coaching.
What is PCP and Why Should I Join?
Partners Coaching Partners (PCP) is UHM’s internal coaching program for loan originators. Currently sitting at 25 coaches and 275 students across 5 coaching levels, PCP fosters a pay-it-forward culture, helping Partners achieve stronger results, financial success, and work-life balance while supporting UHM’s mission of growth and living out our Promises Kept values.
PARTNER GROWTH
PCP has been a game-changer in my early career as a loan officer. It has given me the confidence to communicate effectively with clients and handle objections with ease. The sales strategies I’ve learned have helped me close more deals and build stronger relationships. Brooke Peters Loan Officer
SERVICING Union Home's in-house servicing model helps preserve long-term borrower relationships while delivering an exceptional customer experience long after closing.
91%*
30+
of Closed Loans Retained for In-House Servicing *12 month average as of 9/2026. Subject to change without notice.
Proactive Customer Touchpoints Each Year
100%
Servicing Data Integrated into Our CRM
24/7 Borrower Support Across Multiple Channels 10
MARKETING UHM IS THE OFFICIAL HOME LENDING SPONSOR OF:
11
Established in 2015, the Union Home Mortgage Foundation empowers our Partners to strengthen the communities they serve through charitable giving, volunteerism and financial education.
Mutual Title Agency was founded in 2004 to make closings simpler, smoother, and faster. By utilizing Mutual Title in your next closing, borrower information can stay within the UHM ecosystem- giving your better access to information when you need it, more speed to close, and a world-class customer experience. Our mission is to turn the closing table into a celebration, not a stress point.
OUR CONTACT
$2,000,000 Awarded to Nonprofit Organizations Nationwide
Union Home Insurance (UHI) offers world-class home, auto and more insurance services that are personalized to each customer’s needs. As a necessary step in the homebuying process, UHI is integrated into the UHM experience to help answer questions, provide quotes and help customers save on their insurance.
SERVICES OFFERED
6
Financial Literacy Courses Available for Community Outreach
$500
Group Volunteer Grants for Teams of Six Partners
Title Examinations Title Commitments Notary Services Property Profiles
Owner/Lender Title Insurance Escrow and Closing Services
+123 456 7890
www.reallygreatsite.com
hello@reallygreatsite.com
- MT Licensed - UHI Licensed - MT & UHI Licensed 12
UHM’S UHM’S
CODE OF CONDUCT 13
01 02 03 04 05
Everyday, be engaged and passionate. Your fellow Partners are counting on you.
Have fun, but get it done on time.
Each Partner must be committed to GROWTH, PRODUCTIVITY, and EXECUTION. The foundation of all future success! COMPETITIVE EDGE; Sales Training, Coaching, and Accountability for all loan Officers and Account Executives!
Research before you react.
06 07 08 09 10
As a Partner, you are responsible for creating and maintaining a positive work environment for all other Partners.
Over-communicate with everyone: Customers, Realtors, Brokers, and fellow Partners.
Every day, create “Raving Fans” of Customers and fellow Partners by exceeding expectations.
Be professional - respect fellow Partners; Never have a verbal conflict with anyone over anything. If you do, all Partners lose. Every day, live by our slogan of “Promises Kept.”