United Bay Community Credit Union in Michigan vs the state
6.6%Denial rate-11.88 pts vs state
7.2%Decision denial rate-15.40 pts vs state
85.0%Origination rate+25.07 pts vs state
7.00%Median rate+0.25 pts vs state
0.86Rate spread (pts)+0.46 pts vs state
$76kMedian applicant income
192Loans originated
15Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 161 | 124 | 9.3% | — | #209 |
| 2024 | 210 | 178 | 8.6% | — | #189 |
| 2025 | 226 | 192 | 6.6% | 7.00% | #197 |
What United Bay Community Credit Union lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most United Bay Community Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bay County | 142 | 122 | 11 | 7.7% |
| Kalamazoo County | 14 | 10 | 1 | 7.1% |
| Saginaw County | 12 | 11 | 0 | 0.0% |
| Van Buren County | 11 | 9 | 0 | 0.0% |
| Arenac County | 9 | 8 | 0 | 0.0% |
| Midland County | 9 | 8 | 1 | 11.1% |
| Gladwin County | 6 | 6 | 0 | 0.0% |
| Tuscola County | 5 | 3 | 0 | 0.0% |
| Clare County | 3 | 2 | 0 | 0.0% |
| Ogemaw County | 3 | 3 | 0 | 0.0% |
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: 226 applications in 2025, of which 192 were originated and 15 denied.
6.6% of all applications, or 7.2% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans United Bay Community Credit Union originated in Michigan in 2025 was 7.00%, against a statewide median of 6.75%.
About this data. Figures are United Bay Community Credit Union'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