University Bank mortgage approval rate & lending review
University Bank decided 5,197 mortgage applications and funded 4,984 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions University Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
University Bank at a glance
Approval is 11.8 points above the 84.7% 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% | 3,725 / 3,803 | 100% | $275K | 3,714 |
| Home improvement loans | 85% | 115 / 136 | 97% | $85K | 112 |
| Cash-out refinance | 88% | 76 / 86 | 97% | $305K | 74 |
| Refinance | 94% | 727 / 776 | 98% | $405K | 714 |
| Investment property purchase | 96% | 261 / 271 | 100% | $265K | 260 |
| Investment refinance | 92% | 99 / 108 | 98% | $305K | 97 |
University Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 97% | $335K | 2,468 | 2,379 |
| Michigan | 97% | $275K | 1,257 | 1,215 |
| Indiana | 99% | $285K | 478 | 472 |
| California | 92% | $465K | 167 | 152 |
| Tennessee | 98% | $565K | 128 | 122 |
| North Carolina | 91% | $405K | 77 | 70 |
| Georgia | 92% | $375K | 71 | 64 |
| South Carolina | 91% | $645K | 69 | 63 |
| Arizona | 96% | $475K | 45 | 43 |
| Alabama | 98% | $265K | 44 | 43 |
| Illinois | 89% | $305K | 37 | 33 |
| Pennsylvania | 97% | $305K | 35 | 34 |
| Utah | 97% | $425K | 35 | 34 |
| Texas | 87% | $195K | 31 | 26 |
| Maryland | 87% | $325K | 30 | 25 |
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 University Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Leon County, FL | Mortgage lenders | 99% | 646 | 639 |
| Santa Rosa County, FL | Mortgage lenders | 98% | 620 | 607 |
| Washtenaw County, MI | Mortgage lenders | 99% | 429 | 422 |
| Okaloosa County, FL | Mortgage lenders | 96% | 416 | 400 |
| Escambia County, FL | Mortgage lenders | 99% | 350 | 344 |
| Lake County, IN | Mortgage lenders | 100% | 326 | 325 |
| Wayne County, MI | Mortgage lenders | 97% | 165 | 160 |
| Macomb County, MI | Mortgage lenders | 99% | 117 | 116 |
| Porter County, IN | Mortgage lenders | 99% | 87 | 85 |
| Livingston County, MI | Mortgage lenders | 100% | 47 | 47 |
| Santa Rosa County, FL | Investment property purchase | 96% | 46 | 44 |
| Washtenaw County, MI | Home improvement loans | 90% | 48 | 42 |
The county markets where University Bank made the most loans. Each link opens that market with every lender ranked.
Questions about University Bank
What is University Bank's mortgage approval rate?
University Bank approved 96.5% of the 5,197 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.8 points above the 84.7% national rate for the same mix of loan types.
How often do borrowers take the loan University Bank offers?
Borrowers accepted 99% of the loans University Bank 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 University Bank make?
The typical home purchase mortgage loan University Bank made was $275K; across all loan types its typical loan ran from $85K to $405K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does University Bank lend?
University Bank decided applications in 43 of the states Fat Boy Data covers, most of them in Florida, Michigan and Indiana.
Can I apply to University Bank directly?
Yes. University Bank is a bank or credit union with 2 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show University Bank'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 University Bank treats applications, then get a rate quote from the lender.