United Trust Bank in Michigan vs the state
5.7%Denial rate-12.81 pts vs state
5.7%Decision denial rate-16.87 pts vs state
91.4%Origination rate+31.54 pts vs state
6.50%Median rate-0.25 pts vs state
0.58Rate spread (pts)+0.18 pts vs state
$57kMedian applicant income
32Loans originated
2Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 5 | 5 | 0.0% | 6.88% | #578 |
| 2025 | 35 | 32 | 5.7% | 6.50% | #370 |
What United Trust Bank lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most United Trust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Genesee County | 5 | 5 | 0 | 0.0% |
| Montcalm County | 3 | 2 | 0 | 0.0% |
| Washtenaw County | 2 | 2 | 0 | 0.0% |
| Wayne County | 2 | 2 | 0 | 0.0% |
| Ottawa County | 2 | 2 | 0 | 0.0% |
| Emmet County | 2 | 2 | 0 | 0.0% |
| Kalamazoo County | 2 | 2 | 0 | 0.0% |
| Macomb County | 2 | 2 | 0 | 0.0% |
| Clinton County | 2 | 2 | 0 | 0.0% |
| Oakland County | 2 | 2 | 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: 35 applications in 2025, of which 32 were originated and 2 denied.
5.7% of all applications, or 5.7% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans United Trust Bank originated in Michigan in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are United Trust Bank'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