FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Buy, Refinance, or Build—We Make It Easy

Apply for a mortgage with Union Savings Bank and lock in a low-rate, low-closing-cost home loan from one of the Midwest’s most trusted lenders. Whether you’re purchasing your first home, refinancing, or building your dream home, we make financing affordable and stress-free.


📊 Today’s Mortgage Interest Rates

Looking for competitive mortgage interest rates?  We’re proud to offer transparent pricing and some of the best rates in the region.

Click Here to talk to us about a custom rate.
*See disclosures here
Loan Type
Rate
APR
Estimated Monthly Payment
30-year fixed
6.250%
6.317%
$923.58
20-year fixed
6.000%
6.088%
$1,074.65
15-year fixed
5.750%
5.802%
$1,245.62
Refinance Now, closing costs $299 plus recording fees
Rates are subject to change and assume you use an approved title company for the closing of the transaction. Last updated 11/21/2025 at 8:00 AM

Mortgage Calculator

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Property & Mortgage Types

We provide a wide variety of conventional conforming and non-conforming loans, along with FHA and VA loans.

We offer low costs and great mortgage rates for these types of loans:

  • Fixed Rate Loans
  • Adjustable Rate Loans
  • FHA Loans
  • VA Loans
  • USDA Loans
  • Construction Loans
  • Home Equity Loans
  • Jumbo Loans
  • Blanket Loans
  • Investment Property Loans
  • Commercial Real Estate Loans
  • Single family homes
  • Condominium
  • Townhomes
  • 2-4 unit
  • Multi family
  • Commercial properties
  • Vacant lots

Mortgage Loans from Union Savings Bank

Low Rates, Local Experts, and Lending You Can Trust

We believe homeownership should be within reach for everyone. That’s why USB offers low-cost, low-rate mortgage loans tailored to your needs. Whether you’re a first-time homebuyer or refinancing your current loan, we’re here to help.

Our team understands the communities we serve across Ohio, Indiana, Kentucky, and Pennsylvania. With personalized guidance and fast approvals, we make your mortgage experience smooth, affordable, and stress-free.


🔹 Why Choose Union Savings Bank?

We’ve worked hard to become the #1 mortgage lender in our communities. In fact, we funded over $3.5 billion in mortgage loans last year alone. Our reputation is built on:

  • Low interest rates
  • Low closing costs
  • Local decision-making & fast closings
  • Personalized service
  • Experienced loan officers in Ohio, Indiana, Kentucky, and Pennsylvania

🔹 What to Expect from the Mortgage Process

From pre-approval to closing, our loan officers walk you through every step. You’ll never feel rushed or left in the dark. We answer your questions, explain your options, and make sure you’re comfortable and confident throughout the process.


🔹 Is Now the Right Time to Buy?

It might be. And we’re here to help you decide. Whether you’re exploring your first mortgage, upgrading your home, or looking to refinance, our team is ready to assess your options and offer trusted advice.


📞 Talk to a Loan Officer Today

Let’s make your homeownership dream a reality.
Call us at 833-301-2505 to speak with one of our experienced loan officers and get started.

Call Now

Start Your Home Loan Journey

Looking to buy, build, or refinance? Take the first step toward affordable homeownership with a fast, hassle-free pre-qualification.
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Borrower’s Assistance Program

Financial assistance may be available if you qualify. Click below to get your application.
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Protecting Your Identity / Prevent Fraud

We make protecting your information a priority. Learn more about what you can do to protect yourself from identity fraud.
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Pay Mortgage Online

Pay your Mortgage Payment through Payment Center here.
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*Loan Type, Loan-To-Value, subordinate financing, and credit score may require additional fees. Recording fee, courier fee, and notary fees not included. Other restrictions may apply.