Union Home Mortgage is an employee-owned lender based in Strongsville, Ohio, with a national footprint. They offer a broad range of loan options for both purchases and refinances. While the company emphasizes personalized service and wide accessibility, its mortgage rates and fees tend to run above average—so borrowers should closely evaluate the total cost of borrowing.
See today’s mortgage interest rates on TrueRate.
How Union Home Mortgage compares to other lenders
| Headquarters | Strongsville, Ohio |
| Website | unionhomemortgage.com |
| Rate | 0.15% higher than the median rate |
| Lender fees | $1,750 (median on Union Home Mortgage loans) |
| Added cost after 1 year, compared to the median interest rate | $110 |
| Added cost after 10 years, compared to the median interest rate | $4,452 |
| Added cost after 1 year (vs. Tomo Mortgage) | $2,689 |
| Added cost 10 years (vs. Tomo Mortgage) | $15,636 |
For a $400,000 mortgage, Union Home Mortgage’s rates—about 0.15% above the market median—and $1,750 in lender fees would result in roughly $110 more in cost the first year and over $4,400 more across 10 years compared to a typical lender. Against lower-cost options like Tomo Mortgage, the difference can exceed $15,000 over the life of the loan.
What customers are saying
Some borrowers highlighted Union Home Mortgage for offering competitive rates, smooth loan processes, and helpful support for first-time buyers. Loan officers were often described as providing clear explanations and guidance, and borrowers appreciated the convenience of UHM’s mobile app and website for managing payments and documents. Several users on Reddit also noted fast closings and an overall efficient experience.
However, many borrowers reported frustrations with operational inefficiencies and customer service. Common complaints included delays in closing, disorganized handling of paperwork, and poor communication—sometimes describing being “ghosted” by loan officers after initial contact. Escrow management issues were frequently mentioned, with borrowers citing problems like late tax payments from escrow accounts, resulting in penalties or higher monthly payments. Some customers also struggled to obtain refunds for overcharges. Additional concerns included problems with appraisals and inspections, with loans approved for properties that didn’t meet required standards, and servicing issues like payment errors and confusion when mortgages were transferred to other companies without clear notice.
How to compare mortgage lenders
Interest rates. Comparing rates between lenders isn’t always straightforward. Many promote low headline rates that require paying “points” upfront to buy down the interest rate. To make a true comparison, focus on the par rate (0 points) and the APR, which reflects both the interest rate and any lender fees. Even small differences can translate into significant savings over the life of the loan.
Lender fees or loan origination fees. Many lenders charge fees that add thousands to the cost of a loan. It’s important to look at both the rate and the fees together to understand the true cost of borrowing. For a $400,000 mortgage, avoiding even a $1,000 fee could contribute to meaningful savings in the first year and over the long term.
On-time close rate. Most lenders do not publicly share their on-time close rates. However, it’s a critical factor—especially if your home contract has tight deadlines. Asking about their process for meeting close dates, including underwriting and document review timelines, can give you more confidence when choosing a lender.
Pre-approval and offer letters. Some lenders offer fast pre-qualifications that may not be fully underwritten, which can weaken your offer in competitive markets. It’s important to ask whether a lender’s pre-approvals are fully underwritten and how credible their letters are when presented with an offer.
Customer satisfaction. If detailed customer review data isn’t readily available, check third-party review sites or ask the lender for references. It’s important to understand how they handle communication, responsiveness, and issue resolution throughout the loan process.
Employee reviews. Company culture often influences how clients are treated. A lender with strong employee satisfaction typically delivers better service, more organized processing, and a smoother overall experience for borrowers.
To better understand how we compare mortgage rates fairly, see our TrueRate Methodology.
If you’re ready to start your journey to homeownership, get pre-approved with Tomo Mortgage today.