Union Home Mortgage Expands Non-QM and Wholesale Lending with AmeriTrust Acquisition — Union Home Mortgage Corp.

Event summary

Union Home Mortgage (UHM) acquired the origination assets of AmeriTrust Mortgage Corporation on July 21, 2026.
The deal expands UHM's wholesale and non-QM lending capabilities, positioning it as the No. 7 wholesale lender in the U.S.
AmeriTrust specializes in non-QM loans for self-employed individuals and real estate investors.
This acquisition follows UHM's 2025 purchases of Sierra Pacific Mortgage and Nations Reliable Lending.

The big picture

This acquisition underscores UHM's aggressive expansion strategy in the wholesale and non-QM lending spaces, capitalizing on demand for flexible mortgage options. The deal follows a series of strategic purchases aimed at scaling its origination capabilities, reflecting broader industry consolidation trends. With AmeriTrust's expertise in non-QM loans, UHM is positioning itself to capture a larger share of this growing market segment.

What we're watching

Integration Challenges: How UHM will assimilate AmeriTrust's retail branches and wholesale broker relationships into its existing operations.
Non-QM Growth: Whether the acquisition will accelerate UHM's non-QM loan volume and market share in this niche segment.
Scaling Momentum: The pace at which UHM can achieve its $20 billion annual run rate following multiple acquisitions.