Lenders › United Bay Community CU › Michigan
United Bay Community CU in Michigan
HMDA record for properties in Michigan, calendar year 2024. National record · Michigan overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Michigan, United Bay Community CU reported 210 applications and 178 originations for 2024, $16m in all.
Its denial rate in the state was 9.1%, below the Michigan rate of 23.9% across all lenders and compared with the lender's national rate of 9.5%.
Applications in the state were up 30% on 2023.
Compared with the state and the lender's national record
| Measure | In Michigan | Michigan, all lenders | United Bay Community CU, all states | United States |
|---|---|---|---|---|
| Denial rate | 9.1% | 23.9% | 9.5% | 24.3% |
| Median rate spread, pp | — | 0.5 | — | 0.3 |
| Originations with spread of 1.5 pp or more | — | 18.4% | — | 15.6% |
| Average originated loan | $87k | $212k | $87k | $329k |
| Home purchase share | 32.0% | 51.2% | 32.0% | 57.0% |
| FHA-insured share | 0.0% | 10.0% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 4.5% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMichigan, all lenders
Loan purpose and loan type in Michigan
By purpose
Home purchase 32% (57)Home improvement 29% (51)Refinancing 5% (9)Cash-out refinancing 15% (26)Other purpose 20% (35)
By type
Conventional 100% (178)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Michigan
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Bay County | 136 | 119 | $11m | 5.5% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did United Bay Community CU originate in Michigan in 2024?
178 loans totalling $16m, from 210 applications reported for properties in Michigan.
What is United Bay Community CU's denial rate in Michigan?
9.1% of decided applications in Michigan were denied, against 23.9% for all lenders in the state and 9.5% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Michigan counties does United Bay Community CU lend in most?
By originations: Bay County (119).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Michigan. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.