UNION SAVINGS BANK

We worked with Marc J. Stock (SVP) at the Dublin, Ohio branch to refinance our home. We provided all of our documentation and were approved for financing back in April. The last correspondence was in July from Marc that Vicki would be in touch to schedule our closing. We waited and waited but did not hear back. I started calling and leaving email messages but Marc would not get back to us after multiple attempts. I finally went over his head and reached out to his supervisor in Oct. 2020. It was then that Marc wrote back to me and said he emailed us in July but never heard back so he figured we did not want to move forward. There was no explanation as to why he had ghosted us for months and was completely unresponsive. I responded to his email in Oct. and said we still wanted to close and NO RESPONSE again. I can appreciate that the banking industry is busy with the low interest rates but this poor customer service is unacceptable and unprofessional!

Union Savings - Comedy of errors, incompetence and apathy We were loyal Unions Savings Bank customers for years. In June ’16 we took out Primary and HELOC home loans from them. Both were disasters. We caught errors that any clerk should have seen. They failed to send review documents on time so at the last minute closing was delayed and we had to personally pay the seller for their increased costs. We called Bob H (Westerville office) and his boss Dave P (Arlington branch) multiple times and NEVER received return calls. Even reached out to their boss in Cincinnati (Mr Akers) who also did not respond. Finally talked to Bob only when we caught him in his office. Tony at the Arlington office finally jumped in and helped when he overheard the disaster at our HELOC closing – which was also delayed. But even now, 4 MONTHS LATER, he is not returning emails and can’t get Union Savings to pay us money they all agree the bank owes us. The incompetence was so widespread we suspect our experience is the norm rather than an exception. We were professional, empathetic and patient but met with only apathy. Proceed with caution.

I contacted Union Savings Bank located Dublin Gradvill Rd to refinance my primary home. I spoke to Kevin Bailey who is suppose to be the senior mortgage banker. He told me they only charge $250 for fee which is the lowest in town. He has not problem provide you with GF documents either. I decided to move forward with Kevin. Then the nightmare starts. He change the fees three times in one week. It jumped from $250 to $3500. Kevin will never own up to his mistake. All he will tell you is nothing is his fault. It's required fees by his bank or someone else. At the week of closing, Kevin told me they can't honor his original quote which was 15 year fixed at 2.99%. Instead, he is going to see if his bank will approve 5/1 arm which is completely different from what he promised. My financial didn't change at all throughout the refinancing process, so I didn't understand the change of what was quoted initially. When I question Kevin why I was pre-approved for one thing and getting something else at closing, he told me his bank didn't do the pre-approve process required by Fannie Mae cause it costs money. Instead, he just review it with his manager and they "think" it's going to be fine. Also, he will tell you there is a $250 appraisal fee refunded at closing. DO NOT believe that. It is application fee which is none refundable. I decided not to move forward with them and bring the case to their corporate. Apparently, they don't care either. Do yourself a favor.....don't waste your time and money. They will say anything you want to hear or even put in writing. Their corporate will NOT do the right thing and hold them accountable.

We spent the last 3 months talking to Union Savings Bank about a refinance. The GFE and information given to us was always completed inaccurately. The back and forth went on way too long and the documentation asked for was well beyond the scope needed. In the end, we got tired of waiting for continuously inaccurate work and lack of timely communication. Additionally, one of the secretaries was very rude and not only sent unprofessional emails, but also hung up on us. Do not use!

It was very smooth. We would use them again in the future.

Fees were low, rate was low. Home inspection was a little more intense than normal (the guy with the rubber gloves was surprisingly gentle) They forgot to send me payment coupons Overall it was good

It was a rather unpleasant experience. They do not do their research. The problem was our house had been on the market, so after taking all the fees for the mortgage, they rescinded the offer because the house had been on the market in the last six months. Since they didn't do their work up front, they charged us about $350 in fees and didn't give us anything.

We went through Union Savings Bank (Union), Upper Arlington Branch, for refinancing. Our loan officer was Carol Gillespie. We met her and she was really knowledgeable. Explained the whole process and collected all the information. We completed the application and locked in the rate in the first meeting. The closing cost was $356. Union Savings Bank has automated the refinancing/loan process, has removed all the unnecessary fees, and picks up part of the closing cost. The interest rate is little bit higher and Union recovers the closing cost over life of the loan. Before deciding, compare the rates and closing cost with other mortgage companies/financial institutions. In our case we paid 0.02% higher. We were able to pay the money that we saved in closing towards principle. Carol co-ordinated all the logistics and I communicated to her by E-mail. She responds to E-mail promptly. After we received our appraisal, we needed to bring extra cash for closing to bring loan to value ratio to 80%. Without bringing extra cash, Carol gave us two options-buy mortgage insurance or split loan. We decided to bring the cash at closing. The closing was set at West Dublin-Granville Road branch. We went there and met with Bob Rowland, Stella Title Agency (Stella). Bob is the owner of the title agency, attorney and personable. He answered all our questions. Closing was completed in 20 minutes. I requested him to wire funds to our previous financial institution and he asked to me send him an E-mail the following week. I sent him an E-mail and funds were wired to our previous mortgage company. During the whole process Carol answered several of my E-mail messages. Thank you Carol, Stella Title Agency-Bob and office manager Tina. Union and Stella follow all the federal guidelines.

DISCLAIMER: YOU SHOULD PERFORM YOUR OWN RESEARCH AND SEEK PROFESSIONAL ASSISTANCE WHEN MAKING FINANCIAL DECISIONS. PLEASE NOTE THAT I DO NOT HAVE EDUCATION OR PROFESSIONAL EXPERIENCE IN THE FINANCE INDUSTRY. WHEN INTEREST RATES DROPPED I STARTED TO SEARCH FOR A MORTGAGE COMPANY. PUBLIC RECORDS SHOWED THAT UNION SAVINGS HAD A GOOD RATING AND THE REFINANCE CLOSING COST WAS ONLY $300. ONCE I HAD ESTABLISHED MY MORTGAGE WITH UNION SAVINGS I COULD REFINANCE AGAIN WITHIN THE SAME YEAR FOR $150. THE FIRST DROP IN MY FINANCE CHARGES COULD BE ATTRIBUTED TO THE LOW INTEREST RATE. SUBSEQUENT DROPS IN MY FINANCE CHARGES COULD BE ATTRIBUTED TO UNION SAVINGS POLICY. I REFINANCED 3 MORE TIMES FOR AN APPROXIMATE SAVINGS OF $37,000! I WILL NEVER GET A BETTER DEAL. ALL OF THE ASSOCIATES WERE KNOWLEDGEABLE AND PROFESSIONAL. HOWEVER, I PREFERRED TO WORK WITH DIANE BIRTISON AND ASSOCIATES FROM VALMER LAND TITLE. UNION SAVINGS HAS PROVIDED SERVICE TRULY WORTHY OF AN ANGIE S LIST AWARD!