United Bay Community Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C 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%
55th8.5% deniedPricingmedian rate spread over APOR, weight 30%
15th0.86 ptsProcesswithdrawn + incomplete share, weight 15%
70th7.4%Closing coststotal loan costs ÷ loan amount, weight 10%
82nd1.08% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 222 | 124 | 18.0% | 22.4% | — | $11M |
| 2024 | 214 | 178 | 8.9% | 9.5% | — | $16M |
| 2025 | 229 | 192 | 7.9% | 8.5% | 7.00% | $20M |
What United Bay Community Credit Union 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, 11 manufactured homes, 0 investment properties.
Why United Bay Community Credit Union denies applications
Primary reason reported for each of the 18 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at United Bay Community Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 53 | 37 | 19.2% |
| $50k – $100k | 116 | 100 | 7.3% |
| $100k – $150k | 40 | 37 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 38 | 34 | 8.1% |
| 35–44 | 40 | 33 | 10.8% |
| 45–54 | 48 | 40 | 7.0% |
| 55–64 | 44 | 37 | 9.5% |
| 65–74 | 36 | 32 | 5.9% |
Where United Bay Community Credit Union lends
2 states and 20 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Michigan | 226 | 192 | 6.6% | 7.00% | #197 |
Frequently asked questions
United Bay Community Credit Union denied 8.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 55th percentile of small mortgage lenders.
The most common reason United Bay Community Credit Union gave in 2025 was "debt-to-income ratio", cited on 50.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans United Bay Community Credit Union originated in 2025 was 7.00%, and its median rate spread over the average prime offer rate was 0.86 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 31% of its applications were for home purchases, 19% for refinancing (including cash-out), and 50% 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.