Frequently Asked Questions

What benefits do I receive from Union-Lending as a Union Member?

You can count on a competitive group of lenders that have been vetted to give professional and quality service to all union members and their families across the country. Lender fees are capped at $795 for union members and their families, and borrowers typically save thousands over the life of their loans.*

Why are lender fees capped at $795?

Elected officials for local unions are always looking for the best opportunities for union members, and they have sought to ensure discounts for members entering the mortgage process. Union-Lending keeps lender fees capped at $795 because we, and our participating lenders, are committed to providing union members with quality services at affordable prices.

Are all Union Members eligible to make a request through this website?

Yes! All union members, and members of their immediate families, are eligible to make requests and participate in the lending process on Union-Lending.

How do I get started?

Getting started is easy. Simply go to and choose whether you want to pursue a mortgage or auto loan. Once decided, complete the form describing your mortgage or auto loan scenario to receive competitive quotes from quality lenders within seconds. From there, you can choose the rate and lender that you prefer from the available options.

Will lenders pull my credit report, and does that affect my credit score?

Lenders are not allowed to pull credit reports without written or verbal approval from the mortgage applicant. Once you’ve received a loan quote through Union-Lending and have begun working with a lender, that lender will follow their own policy regarding credit verification. Lenders will not pull your credit without your permission, however, lenders will need to pull and review your credit report prior to providing you with a formal quote and approving your loan application. Presently, Fair Isaac Corporation (the FICO credit score provider) treats multiple inquiries from auto, mortgage, or student loan lenders within a short period of time as a single inquiry. FICO scores calculated from older versions of the scoring formula use a 14 day span. FICO scores calculated from the newest scoring formula are made from any 45 day span.

Do you have lenders who accept less-than-perfect credit?

Yes! Our participating lenders work with borrowers across all credit profiles. While we can’t guarantee you’ll get a loan offer with your provided credit range, Union-Lending is designed to match your loan request with available lenders and products.

What are your closing costs?

The lender fees are committed to the origination fee but the borrowers will still have to pay what are typically called “3rd party fees” which include the appraisal, title, and credit report. These fees vary based on the details of your loan. All out-of-pocket expenses, lender fees, and closing costs are discussed and disclosed at the time of application.

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