Union Home Mortgage review: rates, costs & calculator

Union Home Mortgage at a glance

Union Home Mortgage (UHM) is an independent, nonbank mortgage lender founded in 1970 and headquartered in Strongsville, Ohio, in the Cleveland suburbs. C.

The company internally refers to its staff as 'Partners' rather than employees, a nod to the collaborative culture it markets around.

Unlike a purely retail or purely wholesale shop, UHM runs several channels at once: retail branches, a consumer-direct arm, a wholesale division serving third-party mortgage brokers, a correspondent business, and in-house loan servicing.

That combination lets it originate, fund, and often keep servicing a loan under one roof, and it has fueled steady branch expansion in recent years.

Where Union Home Mortgage's approval rate sits

Union Home Mortgage's 2025 approval rate of 93.2% sits against the 76.6% national average. Read it as a signal of channel, not strictness — wholesale, online and refinance-heavy lenders run lower because so many applications are rate shops that never close.

Nationally it raised its profile by becoming title sponsor of the Union Home Mortgage Gasparilla Bowl, a college-football bowl game in the Tampa Bay area, beginning in 2020.

In 2025 HMDA reporting, Union Home Mortgage originated 37,767 loans totaling about $11.4 billion, with an average loan size near $303,000.

Its footprint is heaviest close to home and across the growth belt: Ohio led with 7,133 loans, followed by Michigan (5,358), Texas (4,647), Florida (3,622), and Indiana (2,872).

The reported 93.2% approval rate is consistent with a purchase-and government-loan-heavy retail mix rather than a signal of unusually loose or strict underwriting.

Who Union Home Mortgage is best for

Purchase borrowers and first-time buyers, particularly in the Midwest and Sun Belt states where UHM has dense branch coverage, are the natural fit.

Households at or below 80% of area median income should specifically ask about its down-payment-assistance offering, and buyers eyeing a fixer-upper benefit from its FHA 203(k) and renovation lending.

Borrowers who value a local branch contact plus in-house servicing may also prefer it over an online-only lender.

Loan programs at Union Home Mortgage

Its most notable programs and specialties:

• Conventional conforming loans, including Fannie Mae HomeReady and Freddie Mac Home Possible for low-to-moderate-income buyers
• FHA loans, plus FHA 203(k) renovation financing for homes needing repairs
• VA loans for eligible veterans, active-duty service members, and surviving spouses
• USDA loans for eligible rural and suburban properties
• 1% Down Payment Assistance Program: qualifying first-time buyers put down 1% and UHM contributes up to an additional 2% (capped at $2,000) for borrowers at or below 80% area median income
• Construction and renovation financing for new-build and rehabilitation projects

Typical industry minimum down payment by core loan type — Union Home Mortgage's own minimums or credit overlays may run higher:

Where Union Home Mortgage lends most

By federal HMDA records, Union Home Mortgage's largest 2025 markets were Ohio, Michigan, Texas, Florida and Indiana. Explore local rates, home prices and down-payment assistance for each:

States where Union Home Mortgage is a top-15 lender

Ranked by home loans originated in 2025 (HMDA). Each state page compares Union Home Mortgage with the other leading lenders there, including FHA and VA leaders and what their borrowers paid.

The verdict

Union Home Mortgage is a well-established, owner-led nonbank lender whose strength is purchase and first-time-buyer lending across a wide branch network, backed by a full slate of FHA, VA, USDA, and down-payment-assistance options.

Its 93.2% approval rate and large 2025 volume reflect that mainstream focus. Because it doesn't post rates and has drawn servicing-related and data-security complaints, treat it as one quote to gather and compare rather than a foregone choice.

How to compare Union Home Mortgage

Shopping a few lenders is the single most reliable way to save. Before you commit to Union Home Mortgage:

1. Get three or more Loan Estimates in a two-week window — the bureaus treat it as one inquiry.
2. Compare the APR, not just the headline rate — it folds in the fees.
3. Weigh service and loan-type fit, not price alone.
4. Verify licensing: search Union Home Mortgage on NMLS Consumer Access and match the NMLS ID to the one on your Loan Estimate. (Its LEI in federal HMDA data, 549300RPOGWJRH63HS39, is not a license number.)

Benchmark whatever you're quoted against today's current rate averages.