United Bay Community mortgage approval rate & lending review
United Bay Community decided 317 mortgage applications and funded 292 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions United Bay Community reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
United Bay Community at a glance
Approval is 18.2 points above the 75.2% 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 | 98% | 123 / 126 | 98% | $135K | 120 |
| Home improvement loans | 89% | 80 / 90 | 100% | $45K | 80 |
| Cash-out refinance | 94% | 63 / 67 | 98% | $65K | 62 |
United Bay Community lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Michigan | 93% | $65K | 317 | 292 |
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 Bay Community lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Bay County, MI | Mortgage lenders | 97% | 109 | 103 |
| Bay County, MI | Home improvement loans | 89% | 79 | 70 |
| Bay County, MI | Cash-out refinance | 94% | 62 | 57 |
| Bay County, MI | Refinance | 86% | 21 | 18 |
The county markets where United Bay Community made the most loans. Each link opens that market with every lender ranked.
Questions about United Bay Community
What is United Bay Community's mortgage approval rate?
United Bay Community approved 93.4% of the 317 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 18.2 points above the 75.2% national rate for the same mix of loan types.
How often do borrowers take the loan United Bay Community offers?
Borrowers accepted 99% of the loans United Bay Community 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 Bay Community make?
The typical home purchase mortgage loan United Bay Community made was $135K; across all loan types its typical loan ran from $45K to $135K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does United Bay Community lend?
United Bay Community decided applications in 1 of the states Fat Boy Data covers, most of them in Michigan.
Can I apply to United Bay Community directly?
Yes. United Bay Community is a bank or credit union with 6 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show United Bay Community'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 Bay Community treats applications, then get a rate quote from the lender.