Lender in Michigan · HMDA 2025
University Bank mortgages in Michigan
University Bank's 2025 home-purchase and refinance lending in Michigan, compared with all lenders in the state.
University Bank originated 427 owner-occupied single-family loans in Michigan from 446 completed applications.
Its median conventional purchase loan costs were $3,980 versus $4,140 for all Michigan lenders, at a median 30-year fixed rate of 6.625% (Michigan: 6.625%).
Loans in MI
427
of 446 applications
Denial rate
2.9%
Purchase · MI 7.8%
Rate spread
+0.18 pts
Conv. · MI +0.23 pts
Loan amount
$235,000
Purchase · MI $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 378 | 366 | 2.9% | 6.625% | +0.18 pts | $3,980 | $235,000 |
| Refinance | 55 | 53 | 3.6% | 6.500% | +0.07 pts | $3,370 | $275,000 |
| Cash-out refinance | 13 | 8 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Michigan counties where University Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Washtenaw County | 6 | 183 | 4.4% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology