# Union Savings Bank: Low\-Rate, Low\-Cost Mortgage Loans

> Apply for a mortgage loan with Union Savings Bank\. Enjoy low closing costs, competitive rates, and trusted local service across the Midwest\.

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## Pages
- [Home](https://usavingsbank.com/)
- [Mortgage Loans](https://usavingsbank.com/mortgage-loans/)
- [Frequently Asked Questions](https://usavingsbank.com/education-center/faqs/)
- [Mortgage Loans Quote](https://usavingsbank.com/mortgage-loans-quote/)
- [Education Center](https://usavingsbank.com/education-center/)

## Posts
- [How Does a Mortgage Work? A Step\-by\-Step Guide from Application to Closing](https://usavingsbank.com/2025/08/20/how-does-a-mortgage-work-a-step-by-step-guide-from-application-to-closing/): Get the knowledge you need on how a mortgage works\. From application to closing, our guide covers all the essentials\.
- [When Is the Best Time to Lock Your Mortgage Rate?](https://usavingsbank.com/2025/09/15/when-is-the-best-time-to-lock-your-mortgage-rate/)
- [Can a Money Market Account help you with your financial goals?](https://usavingsbank.com/2025/03/27/can-a-money-market-account-help-you-with-your-financial-goals/): Money market accounts combine both the features of a savings and a checking account and can be used for both deposits and some withdrawals\.
- [APR \(Annual Percentage Rate\): What It Means and How It Functions](https://usavingsbank.com/2025/03/11/apr-annual-percentage-rate-what-it-means-and-how-it-functions/)
- [What Is a Fixed\-Rate Mortgage and Is It Right for You?](https://usavingsbank.com/2025/03/06/what-is-a-fixed-rate-mortgage-and-is-it-right-for-you/)

## Branches
- [Strongsville](https://usavingsbank.com/contact/find-a-branch-atm/strongsville/)
- [Cleveland](https://usavingsbank.com/contact/find-a-branch-atm/cleveland/)
- [Franklin](https://usavingsbank.com/contact/find-a-branch-atm/franklin/)
- [Xenia](https://usavingsbank.com/contact/find-a-branch-atm/xenia/)
- [Washington Court House](https://usavingsbank.com/contact/find-a-branch-atm/washington-court-house/)

## Loan Officers
- [Andy Modesitt](https://usavingsbank.com/loan-officers/andy-modesitt/)
- [Mykol Jenkins](https://usavingsbank.com/loan-officers/mykol-jenkins/)
- [Mark Cooper](https://usavingsbank.com/loan-officers/mark-cooper/)
- [Greg Cappel](https://usavingsbank.com/loan-officers/greg-cappel/)
- [Jackson Myers](https://usavingsbank.com/loan-officers/jackson-myers/)

## SEM LPs
- [Refi Special \- Organic](https://usavingsbank.com/get-started/refi-special-organic/)
- [Refi Special \- Paid](https://usavingsbank.com/get-started/refi-special-paid/)
- [Prequal](https://usavingsbank.com/get-started/prequal/)
- [HELOC](https://usavingsbank.com/get-started/heloc/)
- [Dayton FHA VA](https://usavingsbank.com/get-started/dayton-fha-va/)

## Testimonials
- [J\.D\.](https://usavingsbank.com/?testimonials=j-d)
- [J\.S\.](https://usavingsbank.com/?testimonials=test)
- [C\.J\.](https://usavingsbank.com/?testimonials=c-j)

## Categories
- [Homebuying 101](https://usavingsbank.com/category/homebuying-101/)
- [Financial Freedom](https://usavingsbank.com/category/financial-freedom/)
- [Interest Rates](https://usavingsbank.com/category/interest-rates/)
- [Banking News](https://usavingsbank.com/category/banking-news/)

## Tags
- [financial literacy](https://usavingsbank.com/tag/financial-literacy/)
- [home buying](https://usavingsbank.com/tag/home-buying/)
- [First time home buyer](https://usavingsbank.com/tag/first-time-home-buyer/)
- [community banking](https://usavingsbank.com/tag/community-banking/)
- [mortgage loan qualification](https://usavingsbank.com/tag/mortgage-loan-qualification/)

## Optional
- [Sitemap index](https://usavingsbank.com/sitemap_index.xml)