Union Home Mortgage acquires origination assets of AmeriTrust Mortgage Corporation

Union Home Mortgage (UHM) has announced the acquisition of the origination assets of AmeriTrust Mortgage Corporation for an undisclosed amount, a move that significantly bolsters UHM's position in the wholesale and non-qualified mortgage (non-QM) lending sectors. The transaction, finalized on July 21, 2026, positions UHM as the seventh-largest wholesale lender in the United States, enhancing its capabilities in third-party origination and expanding its reach within the competitive mortgage market.

The acquisition comes at a time when UHM is actively seeking to strengthen its portfolio and market presence. By integrating AmeriTrust's existing retail branches and established wholesale broker relationships, UHM is set to enhance its operational footprint and increase its annual run rate to an estimated $20 billion. AmeriTrust Mortgage has carved out a niche in the non-QM lending space, providing flexible mortgage options tailored for non-traditional borrowers, such as self-employed individuals and real estate investors. This strategic alignment is expected to accelerate UHM's growth trajectory in a segment that has seen increasing demand.

Both UHM and AmeriTrust share a commitment to company culture and core values, including integrity and transparency, which have been pivotal in their respective successes. UHM has previously expanded its operations through acquisitions, including Sierra Pacific Mortgage and Nations Reliable Lending in 2025. The integration of AmeriTrust is anticipated to not only enhance UHM's service offerings but also to foster a collaborative environment that aligns with both companies' ethos.

The mortgage sector is currently experiencing a shift towards non-QM lending, driven by changing borrower profiles and an evolving regulatory landscape. As traditional lending criteria become more stringent, the demand for alternative financing solutions is on the rise. UHM's acquisition of AmeriTrust positions it well to capitalize on this trend, leveraging AmeriTrust's expertise and established market presence to attract a broader range of clients.

Looking ahead, the acquisition is likely to have significant implications for the mortgage industry, particularly in the wholesale lending segment. As UHM continues to expand its capabilities and market share, it may prompt further consolidation among competitors seeking to enhance their own offerings in the non-QM space. The transaction underscores a broader trend of growth and adaptation within the mortgage sector, as companies strive to meet the evolving needs of borrowers in a dynamic economic environment.