Lender review
Union Home Mortgage review: what Michigan borrowers should know
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.
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%
- MSHDA MI Home Loan
- Approved lender
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
The full picture on Union Home Mortgage
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 buyers here is a 1%-down program.
A nearby Midwest lender
The Midwest roots mean a loan officer who understands local markets instead of a distant call center reading a script.
The fine print
Nothing about rates or requirements is posted online, so you'll need to contact a loan officer to get a number.
Its licensing is regional rather than nationwide, so confirm coverage before you get attached.
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. Below, that 620 floor is plotted against the four broad credit tiers and the 620 median for the 55 Michigan lenders we track.
| 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.
Compare: Nations Lending SoFi Ross Mortgage Corporation This week's Michigan rates
Union Home Mortgage: frequently asked questions
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. That 620 is a floor, not a promise: every lender layers on its own overlays, and approval still turns on your income, debts and the property.
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 2026-07-16 and can change; the only rate that binds a lender is a written Loan Estimate. Verify the license at NMLS Consumer Access (#2229). MSHDA status reflects the state's MI Home Loan lending-partners list dated June 12, 2026, which changes over time.