Lender in Michigan · HMDA 2025
Union Home Mortgage Corp. mortgages in Michigan
Union Home Mortgage Corp.'s 2025 home-purchase and refinance lending in Michigan, compared with all lenders in the state.
Union Home Mortgage Corp. originated 3,254 owner-occupied single-family loans in Michigan from 3,398 completed applications, making it the state's #4 lender by volume.
Its median conventional purchase loan costs were $5,050 versus $4,140 for all Michigan lenders, at a median 30-year fixed rate of 6.875% (Michigan: 6.625%).
Loans in MI
3,254
of 3,398 applications
Denial rate
2.9%
Purchase · MI 7.8%
Rate spread
+0.58 pts
Conv. · MI +0.23 pts
Loan amount
$235,000
Purchase · MI $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 2,527 | 2,439 | 2.9% | 6.875% | +0.58 pts | $5,050 | $235,000 |
| Refinance | 637 | 602 | 3.8% | 6.625% | +0.20 pts | $4,860 | $255,000 |
| Cash-out refinance | 234 | 213 | 7.3% | 7.125% | +0.70 pts | $5,060 | $215,000 |
*Conventional loans only; medians with at least 20 loans.
Michigan counties where Union Home Mortgage Corp. ranks in the top 25
Showing the 30 counties where it ranks highest, of 58.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Branch County | 1 | 67 | 13.9% |
| Crawford County | 1 | 25 | 14.1% |
| St. Clair County | 2 | 281 | 11.8% |
| Osceola County | 2 | 29 | 12.7% |
| Ingham County | 3 | 296 | 8.9% |
| Eaton County | 3 | 137 | 8.8% |
| Clinton County | 3 | 103 | 9.0% |
| Mecosta County | 3 | 34 | 7.2% |
| Sanilac County | 3 | 33 | 7.7% |
| Lake County | 3 | 10 | 7.0% |
| Berrien County | 4 | 133 | 7.3% |
| Monroe County | 4 | 109 | 4.7% |
| Macomb County | 5 | 351 | 2.7% |
| Calhoun County | 5 | 90 | 4.9% |
| Hillsdale County | 5 | 30 | 6.0% |
| Cheboygan County | 5 | 8 | 3.6% |
| Livingston County | 6 | 100 | 3.3% |
| Shiawassee County | 6 | 34 | 3.3% |
| St. Joseph County | 6 | 24 | 3.1% |
| Roscommon County | 6 | 14 | 3.9% |
| Otsego County | 6 | 10 | 3.1% |
| Lapeer County | 7 | 33 | 2.6% |
| Cass County | 7 | 26 | 4.1% |
| Ionia County | 8 | 32 | 3.6% |
| Van Buren County | 8 | 30 | 3.5% |
| Charlevoix County | 8 | 6 | 2.6% |
| Oakland County | 9 | 355 | 1.9% |
| Emmet County | 9 | 7 | 2.0% |
| Mason County | 9 | 6 | 1.9% |
| Alpena County | 9 | 5 | 2.3% |
- Union Home Mortgage Corp. nationwide
- Michigan mortgage market
- Union Home Mortgage Corp. in Ohio
- Union Home Mortgage Corp. in Texas
- Union Home Mortgage Corp. in Indiana
- Union Home Mortgage Corp. in Florida
- Union Home Mortgage Corp. in Pennsylvania
- Union Home Mortgage Corp. in North Carolina
- Union Home Mortgage Corp. in Illinois
- Union Home Mortgage Corp. in Tennessee
- Union Home Mortgage Corp. in Kentucky
- Union Home Mortgage Corp. in California
- Union Home Mortgage Corp. in Alabama
- Union Home Mortgage Corp. in New Jersey
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology