Lender in Michigan · HMDA 2025
United Bank of Michigan mortgages in Michigan
United Bank of Michigan's 2025 home-purchase and refinance lending in Michigan, compared with all lenders in the state.
United Bank of Michigan originated 207 owner-occupied single-family loans in Michigan from 235 completed applications.
Loans in MI
207
of 235 applications
Denial rate
6.9%
Purchase · MI 7.8%
Rate spread
—
Conv. · MI +0.23 pts
Loan amount
$285,000
Purchase · MI $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 173 | 161 | 6.9% | — | — | — | $285,000 |
| Refinance | 26 | 23 | 11.5% | — | — | — | $235,000 |
| Cash-out refinance | 36 | 23 | 36.1% | — | — | — | $265,000 |
*Conventional loans only; medians with at least 20 loans.
Michigan counties where United Bank of Michigan ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Allegan County | 6 | 49 | 3.0% |
| Ottawa County | 14 | 63 | 1.6% |
| Barry County | 23 | 10 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology