Lenders › Union Home Mortgage Corp. › Michigan
Union Home Mortgage Corp. 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, Union Home Mortgage Corp. reported 4,407 applications and 3,428 originations for 2024, $724m in all.
Its denial rate in the state was 5.1%, below the Michigan rate of 23.9% across all lenders and compared with the lender's national rate of 6.5%.
The median rate spread on its Michigan originations was 0.8 percentage points (state median 0.5).
Applications in the state were up 45% on 2023.
Compared with the state and the lender's national record
| Measure | In Michigan | Michigan, all lenders | Union Home Mortgage Corp., all states | United States |
|---|---|---|---|---|
| Denial rate | 5.1% | 23.9% | 6.5% | 24.3% |
| Median rate spread, pp | 0.8 | 0.5 | 0.6 | 0.3 |
| Originations with spread of 1.5 pp or more | 12.7% | 18.4% | 8.7% | 15.6% |
| Average originated loan | $211k | $212k | $280k | $329k |
| Home purchase share | 81.0% | 51.2% | 83.3% | 57.0% |
| FHA-insured share | 17.5% | 10.0% | 19.3% | 13.4% |
| VA-guaranteed share | 5.5% | 4.5% | 8.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMichigan, all lenders
Loan purpose and loan type in Michigan
By purpose
Home purchase 81% (2,776)Home improvement 2% (69)Refinancing 9% (302)Cash-out refinancing 5% (185)Other purpose 3% (96)
By type
Conventional 74% (2,538)FHA 18% (600)VA 6% (190)USDA 3% (100)
Denial reasons as coded
Share of 190 denials in Michigan by first denial reason coded (outlined bar: all lenders in the state).
Counties in Michigan
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Oakland County | 414 | 311 | $96m | 6.9% |
| Macomb County | 365 | 307 | $69m | 4.9% |
| St. Clair County | 369 | 306 | $58m | 4.6% |
| Ingham County | 363 | 298 | $54m | 2.9% |
| Wayne County | 345 | 256 | $51m | 4.0% |
| Monroe County | 195 | 143 | $25m | 8.3% |
| Berrien County | 174 | 130 | $27m | 6.4% |
| Livingston County | 152 | 129 | $40m | 0.8% |
| Eaton County | 155 | 126 | $25m | 5.1% |
| Calhoun County | 160 | 117 | $16m | 6.3% |
| Clinton County | 133 | 114 | $28m | 4.2% |
| Kent County | 125 | 92 | $23m | 4.0% |
| Kalamazoo County | 84 | 64 | $16m | 5.8% |
| Genesee County | 81 | 64 | $13m | 5.6% |
| Branch County | 89 | 62 | $10m | 4.3% |
| Jackson County | 62 | 50 | $8.2m | 5.7% |
| Shiawassee County | 53 | 45 | $9.1m | 6.3% |
| Osceola County | 53 | 45 | $7.0m | 4.3% |
| Hillsdale County | 52 | 44 | $6.2m | 2.2% |
| Van Buren County | 58 | 43 | $8.8m | 2.3% |
| Crawford County | 57 | 43 | $6.9m | 4.3% |
| Washtenaw County | 57 | 43 | $14m | 4.3% |
| Allegan County | 41 | 37 | $9.5m | 2.6% |
| Ottawa County | 47 | 36 | $9.8m | 5.3% |
| St. Joseph County | 52 | 35 | $5.9m | 12.5% |
| Sanilac County | 50 | 34 | $5.0m | 7.0% |
| Cass County | 43 | 33 | $6.6m | 2.9% |
| Lapeer County | 50 | 31 | $6.1m | 0.0% |
| Montcalm County | 35 | 28 | $5.0m | 12.5% |
| Lenawee County | 37 | 27 | $4.5m | 9.4% |
| Saginaw County | 34 | 26 | $4.3m | 3.7% |
| Muskegon County | 32 | 26 | $4.1m | 0.0% |
| Ionia County | 32 | 25 | $4.7m | 3.8% |
| Barry County | 27 | 22 | $4.8m | — |
| Mecosta County | 31 | 21 | $3.6m | 16.0% |
| Newaygo County | 25 | 20 | $3.0m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Union Home Mortgage Corp. originate in Michigan in 2024?
3,428 loans totalling $724m, from 4,407 applications reported for properties in Michigan.
What is Union Home Mortgage Corp.'s denial rate in Michigan?
5.1% of decided applications in Michigan were denied, against 23.9% for all lenders in the state and 6.5% 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 Union Home Mortgage Corp. lend in most?
By originations: Oakland County (311), Macomb County (307), St. Clair County (306), Ingham County (298), Wayne County (256).
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.