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Union Home Mortgage has boosted it presence in Texas and expanded its lending capacity by more than $1 billion by acquiring Houston-based Nations Reliable Lending LLC.
Nations Reliable Lending, which does business as NRL Mortgage, sponsors 44 mortgage loan originators working out of 27 branch locations in 10 states, according to records maintained by the Nationwide Mortgage Licensing System (NMLS).
A privately held, family-owned business, Strongsville, Ohio-based Union Home Mortgage (UHM) originated $7.6 billion in mortgages last year through its retail, wholesale and consumer direct channels.
UHM, which services the loans it originates in-house, is licensed in 48 states and sponsors 891 mortgage loan originators who work out of 211 branch locations nationwide, according to NMLS records.
Terms of the deal were not announced, but UHM disclosed that NRL Mortgage originated $1.09 billion in home loans last year, and that the acquisition strengthens UHM’s presence in Texas and Southwest Ohio.

Mewael Ghebremichael
“Joining forces with UHM feels right, because we know they care as much as we do about working as a team for the betterment of our borrowers,” NRL Mortgage CEO Mewael Ghebremichael said, in a statement. “We’ll be able to make an even more meaningful impact by coming together, and we can’t wait to get started.”

Frank DiMaio
UHM kicked off the year by announcing new leadership in its Mid-Atlantic region, with Univest executive Frank DiMaio joining UHM as regional manager. Three former Univest area sales managers — Matt Barker, Jamie Delp and Michael Rosman — joined DiMaio in the move to UHM.

Bill Cosgrove
“There are some incredibly important markets in this region, and I am really excited to see what this new team can do with the resources they have at their disposal,” UHM CEO Bill Cosgrove said in announcing those moves. “I am optimistic about 2025, particularly within new construction, and you could not ask for a better team to execute on that optimism.”
UHM had previously expanded its presence in states including Florida, Michigan, Ohio, North Carolina and California with the 2022 acquisition of Kalamazoo, Michigan-based Amerifirst Home Mortgage, which had originated $2.8 billion in mortgages the year before.
Last year UHM created a new divisional leadership structure aimed at supporting its “rapidly expanding, nationwide footprint.”

Jim Racine
Former Caliber Home Loans and Newrez executive Jim Racine was named Midwest division manager, while UHM veteran Bryan Wright was promoted to East division manager.

Ryan Koenig
Ryan Koenig, whose 22 years of experience includes stints at Caliber Home Loans, PNC Bank and Fifth Third Bank, joined UHM as regional manager for Michigan and Indiana.
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