United Bank of Michigan mortgage approval rate & lending review
United Bank of Michigan decided 820 mortgage applications and funded 690 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions United Bank of Michigan reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
United Bank of Michigan at a glance
Approval is 4.1 points above the 80.9% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 85% | 376 / 441 | 100% | $265K | 375 |
| Home improvement loans | 85% | 77 / 91 | 99% | $45K | 76 |
| Cash-out refinance | 73% | 73 / 100 | 96% | $125K | 70 |
| Refinance | 88% | 52 / 59 | 100% | $165K | 52 |
| Investment property purchase | 90% | 72 / 80 | 97% | $205K | 70 |
| Investment refinance | 100% | 38 / 38 | 100% | $215K | 38 |
United Bank of Michigan lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Michigan | 85% | $265K | 818 | 689 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where United Bank of Michigan lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Allegan County, MI | Mortgage lenders | 86% | 138 | 118 |
| Kent County, MI | Mortgage lenders | 87% | 136 | 117 |
| Ottawa County, MI | Mortgage lenders | 90% | 126 | 114 |
| Allegan County, MI | Home improvement loans | 86% | 49 | 42 |
| Allegan County, MI | Cash-out refinance | 73% | 49 | 35 |
| Kent County, MI | Cash-out refinance | 76% | 42 | 30 |
| Kent County, MI | Investment property purchase | 91% | 33 | 29 |
| Kent County, MI | Home improvement loans | 77% | 31 | 23 |
| Kent County, MI | Refinance | 96% | 24 | 23 |
| Ottawa County, MI | Refinance | 95% | 20 | 19 |
The county markets where United Bank of Michigan made the most loans. Each link opens that market with every lender ranked.
Questions about United Bank of Michigan
What is United Bank of Michigan's mortgage approval rate?
United Bank of Michigan approved 85.0% of the 820 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 4.1 points above the 80.9% national rate for the same mix of loan types.
How often do borrowers take the loan United Bank of Michigan offers?
Borrowers accepted 99% of the loans United Bank of Michigan approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does United Bank of Michigan make?
The typical home purchase mortgage loan United Bank of Michigan made was $265K; across all loan types its typical loan ran from $45K to $265K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does United Bank of Michigan lend?
United Bank of Michigan decided applications in 3 of the states Fat Boy Data covers, most of them in Michigan, Florida and New York.
Can I apply to United Bank of Michigan directly?
Yes. United Bank of Michigan is a bank or credit union with 13 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show United Bank of Michigan's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how United Bank of Michigan treats applications, then get a rate quote from the lender.