AT A GLANCE
REGIONAL EDITION
Fall 2024
Our Story
Since our inception in 1970, Union Home Mortgage has guided hundreds of thousands of aspiring homebuyers through the process of achieving homeownership. Driven by the belief that homeownership should be accessible for everyone, we go the extra mile for every customer, while providing a personalized experience unmatched in the industry.
Guided by the vision and dedication of our President and CEO, Bill Cosgrove, we’ve built a world-class company where people come first. With a culture that stands out in the mortgage industry, you won’t find employees here – only Partners - who live by the shared values of our Code of Conduct. We respect one another, communicate openly and hold each other accountable.
Our commitment to delivering personal, world-class service has helped us expand our reach into over 48 states + D.C. and and grow our annual lending volume to over $5 billion in responsible lending in 2023.
Bill Cosgrove
CEO, MBA Chairman 2015
Bill Cosgrove is the CEO of Union Home Mortgage Corp. Bill has enjoyed a storied and illustrious career as an industry leader and advocate for the mortgage banking industry. He began his mortgage banking career in 1986 as a residential loan officer. He continually outperformed his peers and developed a reputation as one of the “go to” loan officers in Northeast Ohio.
In 1994, Bill joined Union Home Mortgage Corp. He continued to excel and in 1998 was named President of the firm and purchased the organization the following year becoming 100% owner. Since then, he developed a culture and operating philosophy that grew the company from its humble roots in Cleveland to a nationally acclaimed Mortgage Bank. Under his ownership, loan production at UHM has grown over 5,000%, reaching $3.2 billion in 2018. In 2021, the company’s loan production exceeded $15.7 billion. Bill has earned the Certified Mortgage Banker (CMB) designation as a testament to his dedication and commitment to the mortgage industry.
Bill continues to be an industry leader, and his advocacy is well illustrated as evidenced by:
• Mortgage Bankers Association (MBA) National Chairman in 2015
• Ohio Mortgage Bankers Association (OMBA) President 2007-2008
• MBA MORPAC National Chairman 2008-2010 raising $1.1 Million for industry advocacy
• MBA Board of Directors 2012-2019 Chairman of MBA’s GSE Repurchase Request Task Force
• Co-Chairman of the Loan Originator Qualification Task Force
• MBA’s Legislative Steering Committee Member
• MBA Residential Board of Governors (RESBOG) Advisory Committee
Mark Jones
President, MBA Chairman 2023
Mark A. Jones is CEO and Co-founder of Amerifirst Home Mortgage, a full-service residential mortgage originator and servicer. In January 2023, Amerifirst merged with Cleveland-based Union Home Mortgage, forming a top 40 national lender, where Mark serves as President. Prior to the merger Mark and his business partner, Dave Gahm, co-founded Amerifirst in 1983 and grew the company from a single location in Kalamazoo, Michigan, to over 80 full-service locations and 900 personnel nationwide. An advocate for affordable homeownership with a mission to make a meaningful difference in the lives of others. Immediately prior to the merger Amerifirst was the #1 USDA lender and #3 FHA lender in the State of Michigan, as well as the #13 FHA lender in the State of Florida. Amerifirst was a Fannie Mae and Freddie Mac seller/servicer and a Ginnie Mae issuer. Amerifirst managed a $6 Billion servicing portfolio. In August 2020, Amerifirst established a new bilingual mortgage services division to meet the growing homeownership needs of the Hispanic community.
Under Mark’s leadership, Amerifirst was named one of the “Fastest Growing Private Companies in America” by Inc. 5000 for six consecutive years. Committed to operating by a strong set of core values, it has ranked as a Best & Brightest Company to Work For in the Nation for the past five years (2016-2020) and was named one of the top 50 Best Mortgage Companies to Work For in 2021. In 2016, Mark received the Ernst & Young Entrepreneur of the Year award for Michigan and Northwest Ohio.
In October of 2023, Mark became the Chairman of the Mortgage Bankers Association (MBA), the national trade association for the real estate finance industry. Mark has served on the Board of Directors of the Mortgage Bankers Association (MBA) and currently serves as chair of MBA’s Audit and Finance Committee. He previously served as co-chair of MBA’s Independent Mortgage Bankers Executive Council.
Al Blank
Sr. Vice President, Business Development
Al joined Union Home Mortgage in January 2013. With more than 35 years of experience in the financial sector both in banking and nonbank financial institutions, he brings extensive knowledge in capital markets, growth and development, as well as operational fulfillment.
Jill Ross Sr. Vice President, Mortgage Operations
Jill has been with UHM since 2012. Throughout her career, she has since worked her way through all facets of mortgage lending. Jill has assumed responsibility and accountability for all mortgage operations functions in all three channels of business.
Jim Ferriter Sr. Vice President, Retail Sales
As SVP of Retail Sales, Jim recruits and develops Partners by using leadership skills and expansive knowledge of the industry. He implements infrastructure and systems to support the success of the retail division and deliver profitable growth for the company.
Mike Jones National Sales Manager
Mike began his career in the mortgage industry in 1992 and has been with UHM for the past 21 years. In that time Mike has been promoted to National Sales Manager and have held this position over the last seven years, as well as being recognized as a member of the President’s Club and Customer Service Club multiple times.
Dave Rank
National Business Development Director
Dave started his mortgage career in 1994 at a family-owned mortgage company in Chicago. Dave has since held leadership roles at National City, Wells Fargo, and Eagle Home Mortgage. In February 2021, he joined UHM, where he built and now leads a retail recruiting team of over 20 Senior and Sourcing Recruiters, driving growth through strategic partnerships with the Regional Manager Team.
Bryan Wright Division Manager
Bryan has been in Mortgage Banking since late 1989. He has been a part of the Union Home Mortgage family since 2012.
Building his career as a top producing originator, Wright morphed into a growth leader role in 2015. Since that time he has helped the charge of growth with UHM by building out NC then moving into a regional role that led to a divisional position.
Jim Racine Division Manager
Jim is an experienced mortgage professional with more than 30 years of industry experience. Previously, Racine held positions of increasing responsibility and scope with Caliber Home Loans through its acquisition by Newrez in 2021. He is deeply familiar with markets across the Midwest including Illinois, Michigan, and Ohio, among others.
Josh
Brader
Region 1 Regional Manager
Josh is a Regional Manager at Union Home Mortgage and is passionate about serving his team and making a positive impact in their lives. He has been a partner with Union Home Mortgage since 2017 and has been in the mortgage industry since 2001. His primary focus is to help his team grow their production and to bring in new partners who want to take their business to the next level.
Brian Snyder
Region 1 Regional Manager
As a Regional Sales Manager, Brian is passionate about serving his team and making a positive impact in their lives. He has been a partner with Union Home Mortgage since 2017 and has been in the mortgage industry since 1999. His primary focus is to help his team grow their production and to bring in new partners who want to take their business to the next level.
Craig Franczak
Region 4 Regional Manager
Craig joined UHM in 2014, bringing with him nearly 20 years of regional sales management experience in banking. He had started his career as a branch manager before serving roles as area manager and regional managers.
Ryan Koenig
Region 2 Regional Manager
Ryan Koenig is the Regional Manager for Region 2. With a wealth of experience in the mortgage industry, Ryan cares about delivering world-class service in order to help customers and drive growth for the company.
Steve Runnels
Region 5 Regional Manager
Steve has been in the mortgage business since 1982. Not only does Steve is passionate about recruiting and building regional markets. These include key markets located in the south central region such as Houston, Austin, San Antonio, Corpus Christi, Dallas Forth Worth, Longview, Baton Rouge, New Orleans, Kansas City, St. Louis, Oklahoma City and Little Rock.
Matt Roberts
Region 6 Regional Manager
Matt Roberts is a growth focus leader that has been in the mortgage business since 2004. He has a proven track record of growing branches areas and regions with some of the best talent in the mortgage business. As a non-producing gross leader Matt is invested in supporting his sales team whole growing the organizations presence on the west coast. the same time.
Chris Tabscott
Region 8 Regional Manager
Chris has been in Regional Leadership in the Mid-South Area for a dozen years. His passion is contributing to the American economy by helping clients, other loan originators and leaders navigate their personal financial situations and goals using the tools available in mortgage lending and real estate.
Kevin Cario
Region 7 Regional Manager
Kevin has over 28 years of experience in the mortgage industry leading and building markets throughout the Southeast.
Dave Peters
Region 9 Regional Manager
Dave has been in the mortgage business for over 25 years; he has been a top producer since his inception in the business, as well as an area manager for over 10 years. Prior to becoming a loan officer, Dave had several years as a title representative.
Lynn Wright
Region 10 Regional Manager
With an impressive career spanning nearly 4 decades in the mortgage industry, Wright brings a wealth of experience and leadership to Union Home Mortgage. He most recently served as Regional VP at Caliber Home Loans for over 12 years.
Stacy Fritz Region 12 Regional Manager
Throughout her 30+ year career she’s been on a path to seek out the right people and cultivate a community driven by growth and prosperity. The choice of who you work with and for is crucial—it shapes your path to success. She has extensive experience in the mortgage industry from both an Operations and Production perspective. Stacy is dedicated to supporting and growing the UHM footprint in California.
Linda Thomas Region 15 Regional Manager
Linda has been in the mortgage industry for 25 years starting in Maryland and moving to Florida in 2013. She is the Florida Regional Manager and thrives as a Servant Leader to her team through education, support, coaching and mentoring. She believes that Mortgage is a career that can change your life and the lives of those around you. Throughout her career, Linda’s driving force is her love for seeing others grow and succeed.
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Union Home Mortgage serves borrowers in over 48 states within the United States + D.C.
Alabama
Connecticut
Florida
Georgia
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Nebraska
Nevada
New
New
New
North
North
Ohio
Wisconsin
Wyoming
UHM Retail Branch Network
200+ branches across the United States.
Region 1
Ohio- 27
New Hampshire- 1
North Carolina- 1
Wisconsin- 1
Region 2
Michigan- 18
Indiana- 2
Arizona- 1
Region 3
Connecticut- 1
New Hampshire- 1
Region 4
Pennsylvania- 7
Virginia- 7
New Jersey- 5
Maryland- 2
Region 5
Texas- 18
Oklahoma- 3
Louisiana- 2
New Mexico- 2
Arkansas- 1
Kansas- 1
Missouri- 1
Oregon- 1
Region 6
Oregon-3
Idaho- 2
Montana- 2
Alaska- 1
Arizona- 1
Nevada- 1
Utah- 1
Washington- 1
Region 7
Florida- 18
South Carolina- 10
Georgia- 8
Alabama- 6
Region 8
North Carolina- 20
Tennessee- 9
Kentucky- 3
Florida- 1
Mississippi- 1
Region 10
Colorado- 1
Region 12
Indiana- 3
Illinois- 2
Colorado- 1
Kentucky- 1
Missouri- 1
Nebraska- 1
Region 15
California- 10
Michigan- 9
Florida- 6
Indiana- 3
Ohio- 3
Nevada- 1
South Carolina- 1
Tennessee- 1
Texas- 1
Region 16
Minnesota- 3
Florida- 2
Tennessee- 2
Wisconsin- 2
Georgia- 1
What is PCP?
Partners Coaching Partners is our internal coaching program designed for every loan originator at Union Home Mortgage. With voluntary enrollment, Partners are grouped with fellow Partners at their production level and matched with a coach who has been where their fellow Partner wants to go! We coach our fellow Partners through personal accountability systems driving measurable increases in leads, closings and personal savings, while focusing on work and life harmony. We have 5 Levels of Coaching to meet our Partners where they are.
Why PCP?
Accountability is the shortest distance between where you are and where you want to be. Our Coaches have a pay-it-forward, giversgain mentality reflecting the values of senior management. Within the program we multiply our time to compound our results and maximize the value we add to our partners, clients and customers. We manage our money as a reflection of our life values, as we continue to build a world-class, award-winning workplace. We do our part to grow the company to a top 25 national lender, with 500 Partners in PCP. Every day we honor our Code of Conduct, our culture and our corporate slogan of “Promises Kept” in everything we say and do.
PCP Partner Growth
Tori McKimm
"PCP has been a game changer for me. Through the coaching program, I've not only sustained success during challenging times but also found unparalleled support, accountability, and camaraderie. PCP has truly transformed my professional journey, providing the tools and community I needed to thrive."
Tim Brigham
"PCP has equipped me with the resources to enhance my loan process, track my outcomes, and ultimately become a significant asset to my referral partners. Since joining the program my business has exploded, and I owe it to the coaches I’m surrounded by. I'm beyond grateful to the PCP program for its invaluable knowledge and support."
Kat Miller
"When it comes to growing my business, PCP has really helped me by tracking my numbers and holding me accountable. Having other Loan Officers who have already done it and are more successful than where I’m at currently, it’s nice to be able to follow their lead, take what they’re teaching you, and put your own twist on it."
Third Party Originations
As a successful business channel of the UHM family, Union Home Mortgage Third Party Originations (TPO) allows the company to support businesses in the industry across the country. UHM TPO is strategically focused on providing world-class resources, technology, servicing and processing to help brokers, credit unions and others grow their business.
Change where and how you do business. Spend less time clicking and more time growing your business.
Union Home Mortgage’s mission is to deliver world-class mortgage experiences from pre-qualification to closing and beyond. Partnering with sister company, Mutual Title Agency, this mission is delivered. Mutual Title was founded in 2004 to deliver title and escrow closing experiences that are fast, thorough and well-informed with a proactive approach to issue resolution. Above all, Mutual Title puts people –homebuyers, sellers, real estate agents and loan officers – first.
THE MUTUAL TITLE DIFFERENCE
TITLE SERVICES YOU CAN COUNT ON.
1:1 Attention to Each Order
13 Average Days to Close
96% Customer Satisfaction
Union Home Insurance Services
Union Home Insurance Services (UHIS) offers world-class home and auto insurance services that are personalized to each customer’s needs. As a necessary step in the homebuying process, UHIS is integrated into the UHM experience to help answer questions, provide quotes and help customers save on their insurance.
UHIS is licensed in Georgia, Illinois, Indiana, Iowa, Kentucky, Maryland, Michigan, Minnesota, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia and Wisconsin
Our Partners:
CUSTOMER REVIEWS
Working with Patti and the UHIS team could not have been easier. In just a few short minutes, they were able to save me over $1,400* a year on my insurance premiums and even provided me with additional coverage above and beyond what my previous carrier offered. I can’t recommend working with the UHIS team highly enough.
Cody N.
Contacting Patti at UHIS was a great decision. She answered all questions and provided quotes quickly. We switched all of our policies with significant savings. The customer service alone was amazing, and the process to switch everything was very easy.
Thank you, Patti, for being such an amazing Partner.
Shelly W.
We were able to save more than $600* a year switching from Allstate Insurance over to Union Home Insurance Services. Aside from the amazing savings, the customer service provided by Patti Marshall and her team is unparalleled! They really do provide everything you’re looking for and do it all with a smile! We have and will continue to refer all of our family and friends to Union Home Insurance Services!
Emily G.
Borrower Testimonials
What do our customers think of our partners?
92.63% Had an excellent experience
“I was a first time buyer, I had a small bump on my credit that they helped me fix, which got me an amazing rate! Tim and his team kept me informed with language I could understand and we closed on the house earlier than expected due to their speed.”
Gregory J.
“Jonica was very personable, honest, and encouraging. Everything was handled in an efficient manner. We are so thankful for all the support and hard work Jonica put in to helping us finance our home.”
Erika H.
UHM 2021 – 2024 Q2 YTD
Production Summary
2024 (6/30/24)
1,428,442,166 9,487
13,111,499,141 52,610
5,737,370,468 22,381
5,197,817,030 19,515
Marketing
The Union Home Mortgage Marketing Department brings all areas of marketing subject matter expertise under one roof so our Partners' marketing-related requests can be successfully managed with a holistic marketing solutions approach. Our Project, Creative and Social Media Teams collaborate together on corporate strategy and on a one-to-one level to support business growth for our Sales Partners across the organization. With a top priority of making Union Home Mortgage a household name in all markets, the UHM Marketing Department leverages all mediums to drive success for our Sales Partners in the unique communities they serve.
Branding
Team Logos
Union Home Team Shop
Loan Officer/Team Branding on All Assets
Communications
Email Templates
Email Campaigns
Flyers
Social Media Graphics
Social Media Automated
Postings
Custom Ads
Social Media
Profile Set Up Educational Webinars
Monthly Loan Officer Content Calendars
Content Libraries – Graphics, Gifs, Videos
One-on-One’s
Paid Advertising Support
Sponsorships
Union Home Mortgage is the official and exclusive mortgage provider of several regional and national brands where we utilize the passion of fans to create strong brand association. UHM receives significant visibility, growing brand awareness through in-stadium signage, media and digital assets. Our sponsorships have also allowed us opportunities to support and engage our Partners and help them build strong relationships within their communities and engage prospective Partners. In all of our sponsorships, we look to align our goals and objectives with the assets of each brand.
Brand Ambassadors
From left to right:
Luke Clanton
• Amateur Golfer
Jason Dufner
• PGA Tour Winner
Bernie Kosar
• NFL Quarterback Legend
Union Home Mortgage Foundation
At UHM, we believe in empowering responsible homeownership – one of the quickest pathways to homeownership is ensuring that individuals and families are in a position to not only afford a home, but maintain one as well. The UHM Foundation was launched in 2015 to equip families with the tools and resources to achieve economic self-sufficiency. We do so by providing funding and offering programs around two main pillars: Financial Literacy, and Housing.
We also support our partners passions and provide a few extra ways to give back to organizations our partners are engaged with. We offer volunteer paid time off hours, host donation drives, provide a matching gift program, grant annual partner impact awards, and much more.
2024 - 2023
Energage Top Workplace Northeast Ohio - 10 Years in A Row, Regional
America's Greatest Workplaces for Diversity, National
Top Workplace Cultural Excellence Awards - Compensation & Benefits, Innovation, Purpose & Values, Work-Life Flexibility, National
Energage Top Workplace USA, National
2023 USDA Rehab and Repair Champion, National
Toledo Top Workplaces, The Blade, Toledo OH
CEO of the Year Award, Columbus Dispatch, Columbus OH
Northeast Ohio Top Workplace Cleveland, OH
Best Mortgage Lender Monto Happening List, Pennsylvania
Best Home Mortgage Lender North Central Florida Best of the 352, Florida
Everyday, be engaged and passionate. Your fellow Partners are counting on you.
1 2 3 4 5 6 7 8 9 10
Have fun, but get it done on time!
Each Partner must be committed to GROWTH, PRODUCTIVITY and EXECUTION. The foundation of all future success!
Sales Training, Coaching and Accountability for all Loan Officers and Account Executives!
As a Partner, you are responsible for creating and maintaining a positive work environment with all other Partners. Your fellow Partners are counting on you.
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.”
PROMISES KEPT.
EVERY STEP OF THE WAY HOME.
At Union Home Mortgage, our Partners live by the shared values of our Code of Conduct: respect, open communication and accountability. This commitment to inclusivity, as well as delivering personalized service unmatched in the industry, is why we’re honored to be recognized across the country as a top mortgage lender and great place to work year after year.