United Bank of Michigan at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
32nd14.7% deniedProcesswithdrawn + incomplete share, weight 15%
22nd19.3%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 490 | 298 | 18.0% | 22.6% | 7.00% | $95M |
| 2024 | 471 | 315 | 15.3% | 18.5% | — | $82M |
| 2025 | 504 | 345 | 11.9% | 14.7% | — | $102M |
What United Bank of Michigan lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 45 manufactured homes, 81 investment properties.
Who gets approved at United Bank of Michigan
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 47 | 25 | 39.0% |
| $50k – $100k | 152 | 91 | 20.9% |
| $100k – $150k | 118 | 84 | 10.6% |
| $150k – $250k | 72 | 52 | 7.1% |
| Over $250k | 44 | 29 | 9.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 37 | 28 | 12.5% |
| 25–34 | 127 | 98 | 10.1% |
| 35–44 | 78 | 45 | 25.0% |
| 45–54 | 78 | 42 | 25.0% |
| 55–64 | 75 | 43 | 18.9% |
| 65–74 | 39 | 27 | 6.9% |
Where United Bank of Michigan lends
2 states and 36 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Michigan | 503 | 345 | 11.7% | — | #128 |
Frequently asked questions
United Bank of Michigan denied 14.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 32nd percentile of small mortgage lenders.
In 2025, 60% of its applications were for home purchases, 27% for refinancing (including cash-out), and 13% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.