Lender review
Union Home Mortgage review: what Michigan borrowers should know
Best for: cash-tight first-time buyers wanting a nearby midwest lender
- Headquarters
- Strongsville, OH
- Founded
- 1970
- NMLS
- #2229
- Min. credit score
- 620
- Min. down payment
- 1%
Union Home is a long-running Ohio lender just across Michigan's southern border, with retail branches and a 1%-down program that appeals to cash-strapped first-time buyers here. Review-site scores are high, but the BBB profile and complaints about fees and communication are a real counterweight, and rates require contacting a loan officer.
Just across Michigan's southern line, Union Home Mortgage has operated out of Strongsville, Ohio since 1970, close enough that its retail branches feel regional rather than remote. Its calling card for cash-tight Michigan buyers is a 1%-down program that shrinks the upfront hurdle first-timers usually trip over.
Borrowers who've closed with Union Home tend to rate it well on sites like LendingTree and Google, and the Midwest roots mean a loan officer who understands local markets instead of a distant call center reading a script.
Do your homework on the other side of the ledger, though. The Better Business Bureau profile is weaker than the review-site glow suggests, with recurring complaints about fees and communication, and nothing about rates or requirements is posted online. Its licensing is regional rather than nationwide, so confirm coverage before you get attached.
What works
- 1%-down program helps cash-tight first-time buyers
- Midwest lender bordering Michigan with retail branches
- Strong LendingTree and Google review scores
What to watch
- Weak BBB rating with fee and communication complaints
- No rates or requirements published online
- Not licensed in all 50 states; footprint is regional
Loan programs at Union Home Mortgage
Which core Michigan loan types Union Home Mortgage offers, with the typical minimum down payment for each program. Program floors are industry standards — Union Home Mortgage's own minimums or credit overlays may run higher.
| Loan program | Offered | Typical min. down |
|---|---|---|
| Conventional | ✓ Yes | 3% |
| FHA | ✓ Yes | 3.5% |
| VA | ✓ Yes | 0% |
| USDA | ✓ Yes | 0% |
| Jumbo | ✓ Yes | 10–20% |
| Construction | — No | — |
Where Union Home Mortgage's credit bar sits
Union Home Mortgage's roughly 620 minimum sits in the good credit range. Plotted below: where a 620 minimum lands on the credit spectrum, versus the 620 median for Michigan lenders in our data.
| Union Home Mortgage | Michigan median* | |
|---|---|---|
| Editorial score | 3.9 / 5 | 4.0 / 5 |
| Min. credit score | 620 | 620 |
| Loan programs offered | 5 | 5 |
| Michigan-headquartered | No | — |
*Median across the 55 Michigan lenders in our catalog.
How Union Home Mortgage's rates and offers compare
Before committing, pull a same-day quote from at least two competitors — pricing gaps of 0.25% are common for identical borrowers. Start with Nations Lending, SoFi or Ross Mortgage Corporation, then compare Loan Estimates line by line. For context on where pricing lands, check our Michigan rate table.
Union Home Mortgage: frequently asked questions
What are Union Home Mortgage's mortgage rates in Michigan?
Union Home Mortgage doesn't post one rate — like every lender, its pricing turns on your credit score, down payment, loan size and the day you lock. It doesn't publish live rates online, so you'll need to request a personalized quote. The reliable move: pull a written Loan Estimate from Union Home Mortgage and set it beside this week's Michigan averages in our rate table, comparing on the same day.
Is Union Home Mortgage a legitimate mortgage lender?
Yes. Union Home Mortgage is a licensed mortgage lender registered under NMLS #2229 and lending since 1970. Anyone can verify that number, and the company's complaint record, at NMLS Consumer Access. Our editors give it 3.9/5 for Michigan buyers; placement here cannot be bought.
What credit score do you need for a Union Home Mortgage mortgage?
Union Home Mortgage generally looks for a credit score around 620 on its most common loans. Its FHA loans can go lower — often to 580, or 500 with a larger down payment — while conventional and jumbo loans usually want higher scores. Individual overlays can push that higher, so 620 is the opening bid, not the final word.
Does Union Home Mortgage offer FHA, VA and USDA loans?
Union Home Mortgage offers FHA, VA and USDA loans to Michigan borrowers. It covers the full government-loan menu. Its complete Michigan lineup is Conventional, FHA, VA, USDA, Jumbo.
Does Union Home Mortgage lend in Michigan?
Yes. Although Union Home Mortgage is headquartered in Strongsville, OH, it is licensed to lend in Michigan and actively originates purchase and refinance loans across the state, from metro Detroit to the Upper Peninsula.
Will Union Home Mortgage sell my mortgage after closing?
It may. Many lenders sell the servicing rights to a loan after closing, so ask Union Home Mortgage directly whether it retains servicing or transfers it — your rate and terms won't change either way.
Independent and unpaid — Union Home Mortgage did not pay for placement. How we score every lender (and where our rate data comes from) is set out in our editorial policy. Figures reflect public information as of 2026-07-01 and can change; the only rate that binds a lender is a written Loan Estimate. Verify the license at NMLS Consumer Access (#2229).