Avoid avoid avoid first union lending. They are very misleading in their marketing and they broker loans to actual lenders which cost you more. First I will address their misleading website and claims. They state they are a lender and even on their website and email signatures show a logo that states first union lending – licensed lender.in the center of this logo it shows a so called license number. This is actually how lenders who have a license show their license number. However after investigating this was a florida secretary of state llc document number, very misleading. Second issue. Even with excellent credit and time in business. They shotgun your file to a ton of actual lenders. This in turn lowers your credit score and doesn’t look good to other financial institutions. They tried to state it was soft pulls. However my credit report says different. My speculation is they do this to see who is going to give them the greatest yield spread, points/monies paid to them. Not the best deal of their clients. Third issue. We got a loan approved. Went in to sign loan documents at first union lending orlando florida. Was told we would get a copy of these documents. After signing got to talking about other things with their so called underwriter and left their office without getting them. Called several times to ask for a copy and never got them. On the third call asking for those loan documents. I was told they couldn’t get them. They said that their lender would release them to us once the loan funded. This is when my red flags started going up. I then contacted the state of florida department of financial regulations. The investigator I spoke with seems concerned enough he ask us to submit a complaint and to report this to the state attorney general of florida’s office. So after speaking with our attorney. He has advised filing complaints with the two agencies above and also the federal trade commission against first union lending. In closing we used this company because their advertising stated they were a lender and they had a local office in orlando florida. Too many red flags out there related to using first union lending services. Misleading marketing claiming to be the lender, doesn’t seem to follow standard procedures when it comes to supplying loan documentation and my guess is using that florida llc document number to try and represent an actual lenders license number in their website graphics, email signatures and other online advertising. I even have to really suspect their online reviews are not real. There are companies out there you can hire to leave shill reviews. Use at your own risk!!