If you’ve watched a Cleveland Guardians baseball game lately, you may have noticed a big sign for “Union Home Mortgage” out in center field.
That’s because UHM is the official mortgage partner of the Guardians, along with the Professional Bull Riders (PBR) organization.
They also recently partnered with former Cleveland Browns quarterback Bernie Kosar for some commercials, and are now the title sponsor of the Cleveland Marathon.
So it’s clear they’re big sports fans and proud to call Northeast Ohio home.
The company’s headquarters also aren’t too far away from two other major players in the mortgage industry, Quicken Loans and United Wholesale Mortgage.
Like those two heavy-hitters, Union Home calls itself a “high-growth” company and has plans to keep building out its campus and expanding.
Let’s learn more about them.
Union Home Mortgage Fast Facts
- A retail mortgage lender based out of Strongsville, Ohio
- Founded in 1970, led by former MBA chairman Bill Cosgrove
- Licensed in 48 states and the District of Columbia
- More than 155 branch locations and nearly 1,400 Partners nationwide
- 18% of total loan volume comes from the state of Ohio
- Funded nearly $8 billion in home loans during 2024 (latest data available)
- Operates both a retail and wholesale (mortgage broker) lending channel
- NMLS #2229
Union Home Mortgage, or UHM for short, is a direct-to-consumer retail lender based in Strongsville, Ohio.
That means you can call them up, visit a branch, or simply surf over to their website to get started.
They are an approved direct lender for Fannie Mae, Freddie Mac, the FHA, USDA, and VA, and also operate a wholesale lending division for mortgage brokers.
The company funded roughly $8 billion via the retail/wholesale channel in 2024, with about 13% coming from the Buckeye State.
They are the ninth largest mortgage lender in Ohio at last glance, with aspirations to climb that list.
But they don’t just originate mortgages in Ohio – they’re licensed in 48 states nationwide and the District of Columbia.
They also do quite a bit of lending in nearby Michigan, along with Indiana, North Carolina, Pennsylvania, and even far-away Florida and Texas.
And they’re the title sponsor of the Gasparilla Bowl, which is played down in Tampa, Florida, so they’re probably looking to grow in the Sunshine State as well.
Recently, their loan servicing portfolio surpassed the $10 billion mark, and they now service loans for more than 60,000 families nationwide.
In March 2025, they acquired Houston-based Nations Reliable Lending (NRL) to broaden their footprint in Texas and Southwest Ohio.
And in September 2025, they acquired Sierra Pacific Mortgage, a California-based lender that does most of its business in its home state.
That will give Union Home Mortgage a big presence in the Golden State moving forward, where it currently has very little.
How to Get a Loan with Union Home Mortgage
- You can apply online, by phone, in person, or via mobile
- They offer a digital mortgage application powered by Ellie Mae
- Borrowers can scan and upload documents via the smartphone app
- And receive status updates as their loan progresses to the finish line
As noted, you can call them up over the phone, visit their website, or go to a brick-and-mortar branch if doing business in person is your thing.
If you choose to go the online route, you’ll first need to fill out a very brief form to get matched with a loan officer (assuming you haven’t already been referred or know who you want to work with).
Once you complete that quick step, you get the option to begin the loan application process without any human interaction. Or you can wait for a loan officer to call/email you.
Those who already know who they want to work with can use the loan officer directory on the company’s website by clicking on “Find a Branch.” Simply enter their name and you’ll be directed to their personal webpage.
From there, you can see which states they’re licensed to do business in, get their contact information, apply for a loan, or check loan status.
UHM offers a digital mortgage app powered by Ellie Mae that lets you complete just about everything online.
Additionally, they offer a free smartphone app that allows you to securely scan and upload documents, message your loan officer instantly, and receive status updates as your loan moves along.
Build Your Payment Program
In March 2023, Union Home Mortgage launched the “Build Your Payment Program,” which they refer to as a “new way for homebuyers to create a mortgage built around their budget.”
It’s not totally clear what that entails, but the company said customers work one-on-one with a dedicated mortgage expert “to craft an ideal monthly payment.”
These loan officers then present the best options based on each customer’s unique circumstances, presumably a type of loan, or a certain loan amount.
The main goal is to make the home loan process simple, while keeping the focus on monthly payments that align with home buyer budgets.
This is especially important as costs increase across the country thanks to pesky inflation.
Loan Types Offered by Union Home Mortgage
- Home purchase loans
- Refinance loans: rate and term and cash out
- Home renovation loans
- New construction home loans
- Conventional loans backed by Fannie Mae and Freddie Mac
- Government loans backed by the FHA, USDA, and VA
- Non-conforming loans: jumbo and non-QM
- HELOCs
Union Home Mortgage offers both home purchase loans and refinance loans, along with renovation loans like the FHA 203k loan and new construction home loans.
You can get financing on a primary residence, second home, or investment property, whether it’s a single-family home or condo/townhouse.
Union Home Mortgage offers conventional financing backed by Fannie Mae and Freddie Mac, along with government-backed home loans from the FHA, USDA, and VA.
It’s also possible to get a jumbo home loan or a non-conforming loan thank to their non-QM offerings.
Those looking for new home construction financing can choose from conventional, FHA, and VA options.
And they offer both fixed-rate mortgages and adjustable-rate mortgages in various terms to suit all borrowers.
They also recently launched a HELOC, including their UHM Signature HELOC, which offers a fixed interest rate.
And their UHM Flex HELOC, which offers a variable rate tied to prime.
Loan amounts can be as big as $750,000 and the funds can be available in as little as five days.
Union Home Mortgage 1% Down Payment Program
In December 2023, Union Home Mortgage launched its “1% Down Payment Program” that as you may have guessed, requires only one percent down.
But what makes it better than that is UHM will kick in another 2% down payment via a grant, meaning you wind up with a 3% down loan. And instant equity.
This also allows you to qualify for financing by either Fannie Mae or Freddie Mac, which provides for more flexible underwriting guidelines and potentially lower rates too.
There are some key qualifying criteria though:
- You must be purchasing a primary residence
- At least one borrower must be a first-time home buyer
- And income must be equal or less than 80% of area median income (AMI)
UHM has doled out more than 400 of these grants since late 2023, with the average amount received over $2,700.
Union Home Mortgage Rates
One slight negative is that Union Home Mortgage does not advertise its mortgage rates, unlike some other mortgage lenders.
While you can chalk it up to the questionable usefulness of advertised rates, I do give lenders bonus points for transparency when they take the time to list their rates on their website.
Additionally, Union Home Mortgage doesn’t list their lender fees on their website, so it’s unclear what they charge, e.g. a loan origination fee, underwriting and processing fees, and so on.
As such, be sure to shop your home loan with other lenders to see where they stand pricing-wise. While price isn’t everything, it’s certainly important.
Union Home Mortgage Reviews
On Zillow, Union Home Mortgage has a 4.89-star rating out of 5, based on more than 1,000 customer reviews.
Many of the reviews indicate the interest rate that was lower than expected, while some also say closing costs were lower than anticipated.
Zillow allows you to drill down and look at the reviews of individual loan officers, helpful if you want to handpick who to work with beforehand.
On LendingTree, they’ve got a 4.8-star rating out of 5, based on more than 300 reviews. Some 95% of customers recommend working with Union Home Mortgage.
They also have a 4.7/5 on Google from over 600 customer reviews.
Lastly, they aren’t an accredited business with the Better Business Bureau and they’ve got a solid A+ rating with the BBB.
The company has received a total of 34 complaints over the past three years on the BBB website, and has a 1.75/5 rating on the BBB website from a small handful of reviews.
In conclusion, Union Home Mortgage offers a ton of different loan programs, including second mortgages, and their 1% down program.
That makes them a suitable choice for both a prospective home buyer and an existing homeowner looking to tap equity.
In addition, they are well-liked based on their many customer reviews but the only big question mark is pricing, including rates and fees.
Be sure to compare their quote to other lenders to see where they stand before you proceed.
Union Home Mortgage Pros and Cons
The Good
- Can apply for a mortgage online or in-branch
- Offer lots of different loan programs including 1% down w/ 2% grant
- Customers can use the free UHM smartphone app
- Excellent customer reviews
- A+ rating with the Better Business Bureau (BBB)
- Free mortgage calculators on their website
- More than 155 branch locations located nationwide
- They service their own loans
The Maybe Not Good
- Need to fill out a contact form before applying for a loan unless you use the loan officer directory
- Do not list rates or lender fees online
- Not licensed to do business in Hawaii or New York
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