United Bank of Michigan: 2025 mortgage rates, costs & approvals
How United Bank of Michigan priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: United Bank of Michigan · LEI 2549004W2JKWS6P17T44
In 2025, United Bank of Michigan originated 207 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 2 states — 1226th by volume among the 2,017 lenders profiled here.
It denied 6.9% of completed home-purchase applications (all lenders: 8.5%).
How United Bank of Michigan priced home-purchase loans
| Purchase loans, 2025 | United Bank of Michigan | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | — | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | — | +0.13 pts |
| Total loan costs · conventional | — | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | — | $1,860 |
| Borrowers paying discount points | — | 51.3% |
| Points paid, when paid (% of loan) | — | 0.87% |
| Borrowers receiving lender credits | — | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Where United Bank of Michigan lends
Counties where United Bank of Michigan is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Allegan County, MI | 6 | 49 | 3.0% |
| Ottawa County, MI | 14 | 63 | 1.6% |
| Barry County, MI | 23 | 10 | 1.1% |
Check United Bank of Michigan yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 2549004W2JKWS6P17T44.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from United Bank of Michigan with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology