Business Details
50+ Years
experience
Your Trusted Partner for Mortgage and Personal Banking Solutions
Union Savings Bank has been dedicated to promoting responsible homeownership through prudent lending since its founding in 1904. Headquartered in Cincinnati, Ohio, we serve communities across Ohio, Indiana, Kentucky, and Pennsylvania with a focus on personalized financial solutions. Our commitment to providing exceptional value has driven 30 years of growth while maintaining our reputation as one of Ohio's top mortgage lenders. Unlike large corporate banks, we prioritize understanding individual circumstances to deliver tailored loan recommendations that align with each customer's unique budget and lifestyle. Our team of highly trained professionals is dedicated to helping families achieve their financial goals through low-cost mortgage options and comprehensive personal banking services.With numerous full-service branches and lending offices, we combine local expertise with nationwide reach to serve diverse financial needs. Our philosophy of community-centric banking ensures that every decision considers both the customer's best interests and long-term financial success. As a trusted financial partner, we continue expanding our services while maintaining the personalized approach that has defined our institution for over a century.
Services
VA Loans
FHA Loans
Construction Loans
Home Equity Line of Credit
First Time Homebuyers
Apartment Commercial Loan
Lot Loans
Personal Banking
Online Banking
Community Development Grants
Details
- Year established: 1904
Highlights and features
- Community bank with personalized local service since 1904
- Specialize in low-cost mortgage loans with competitive rates
- Ranked among Ohio's top mortgage lenders by Ohio Ag-LINK Program
- Local decision-making process tailored to individual financial situations
- Comprehensive personal banking services alongside mortgage expertise
What people say
Great communication
Creative mortgage product
Beat employee discounts
Personalized financial service
Low-cost mortgage loans
Services
VA Loans
Specialized mortgage programs for veterans and active military personnel offering competitive rates with reduced down payment requirements. Our VA loan specialists provide personalized guidance through the application process while leveraging our community banking expertise to ensure optimal financing solutions for military families.
FHA Loans
Federal Housing Administration insured mortgages designed for first-time homebuyers with lower credit scores or limited down payment capacity. We offer customized FHA loan options with flexible qualification criteria while maintaining prudent lending standards that align with our 110+ years of mortgage expertise.
Construction Loans
Financing solutions for custom home construction projects with phased disbursement structures. Our construction loan program combines competitive rates with personalized project management support, leveraging our local market knowledge to help transform building plans into reality across four states.
Home Equity Line of Credit
Flexible revolving credit lines secured by home equity for home improvement, debt consolidation, or major expenses. We offer competitive HELOC rates with local decision-making authority, allowing homeowners to access funds as needed while benefiting from our community banking approach.
Personal Banking
Comprehensive banking solutions including checking accounts, savings accounts, and certificates of deposit with competitive rates. Our personal banking services integrate seamlessly with mortgage products, providing customers with convenient digital tools like mobile banking and Zelle transfers while maintaining local branch support.
Questions
What mortgage rates do you currently offer?
Our rates vary based on loan type, credit profile, and market conditions. Visit our mortgage page for current rate disclosures or contact our loan specialists for personalized rate quotes.
Which states do you serve?
We provide mortgage and banking services across Ohio, Indiana, Kentucky, and Pennsylvania through our network of full-service branches and lending offices.
What personal banking options are available?
We offer checking accounts, savings accounts, certificates of deposit, online banking, mobile banking, and Zelle transfers to meet diverse personal financial needs.
How does your mortgage application process work?
Our process begins with a consultation to understand your financial goals, followed by pre-approval, document submission, underwriting, and closing coordination with personalized support throughout.
Do you offer first-time homebuyer programs?
Yes, we provide specialized mortgage products and guidance for first-time homebuyers including down payment assistance options and educational resources through our Ohio Homebuyer Plus Program.
