United Bank of Michigan in Michigan vs the state
11.7%Denial rate-6.79 pts vs state
14.5%Decision denial rate-8.05 pts vs state
68.6%Origination rate+8.70 pts vs state
—Median rate
—Rate spread (pts)
$106kMedian applicant income
345Loans originated
59Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 488 | 297 | 18.0% | 7.00% | #114 |
| 2024 | 471 | 315 | 15.3% | — | #119 |
| 2025 | 503 | 345 | 11.7% | — | #128 |
What United Bank of Michigan lends in Michigan
By loan purpose
By loan type
Where in Michigan
Counties with the most United Bank of Michigan applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kent County | 152 | 103 | 19 | 12.5% |
| Allegan County | 122 | 81 | 14 | 11.5% |
| Ottawa County | 108 | 96 | 3 | 2.8% |
| Barry County | 28 | 18 | 4 | 14.3% |
| Muskegon County | 17 | 10 | 3 | 17.6% |
| Ionia County | 13 | 5 | 2 | 15.4% |
| Montcalm County | 9 | 5 | 2 | 22.2% |
| Newaygo County | 9 | 5 | 1 | 11.1% |
| Kalamazoo County | 7 | 3 | 1 | 14.3% |
| Van Buren County | 5 | 2 | 2 | 40.0% |
Other large lenders in Michigan
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 30,644 | 16.3% | 6.75% |
| United Shore Financial Services | B | 29,330 | 11.7% | 6.60% |
| The Huntington National Bank | D | 20,047 | 30.0% | 7.49% |
| Lake Michigan Credit Union | A | 16,662 | 5.6% | 6.75% |
| Fifth Third Bank | D | 11,176 | 26.4% | 7.50% |
| 21st Mortgage | F | 7,424 | 53.4% | 11.04% |
| Citizens Bank | C | 6,592 | 29.0% | 7.65% |
| Triad Financial Services | D | 6,426 | 56.1% | 8.49% |
| Union Home Mortgage | B | 5,303 | 4.3% | 6.75% |
| PNC Bank | D | 5,161 | 26.3% | 7.36% |
Frequently asked questions
Michigan: 503 applications in 2025, of which 345 were originated and 59 denied.
11.7% of all applications, or 14.5% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are United Bank of Michigan's own HMDA filing for properties located in Michigan, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology