Applications / Mortgage Analytics / Lenders / Michigan / Union Bank
Grand Rapids, MI · State non-member bank · FDIC · $391 million assets · 44 loans in 2025
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44
loans originated, 2025
71
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Union Bank is a small Michigan bank that splits its lending between home buyers and refinancers, with loans somewhat larger than similar banks' and a long presence in Grand Rapids and Lansing.
Purchases made up 52.3% of its 44 loans in 2025 and refinances 38.6%; every loan was conventional. Its typical loan was $200,000, against $165,000 at similar lenders (state non-member banks making between half and twice as many loans). Its typical rate, 6.75%, was lower than their 7.00%.
In Grand Rapids it ranked 118 of 436 lenders with 0.1% of the market, which Lake Michigan Credit Union led. In Lansing, where it has lent since at least 1990, it ranked 87 of 333. Both shares were unchanged from 2024.
It made 11.6% of its loans in low- and moderate-income neighborhoods, against 18.8% at similar lenders. Larger purchase loans may draw buyers from better-off areas, and its footprint of 16 counties decides which neighborhoods it can reach.
Its loans rose 5%, from 42 to 44, close to the 3% growth of similar lenders. It made 80 loans in 2019. It filed no reports for 2020 and 2021; those years are gaps, not zeros.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Union Bank took 71 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 52.3% · Refinance 38.6% · Other 6.8% · Home improvement 2.3%
Conventional 100.0% · of 44 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Michigan | 43 | 97.7% |
| New Hampshire | 1 | 2.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Grand Rapids-Wyoming-Kentwood | 22 |
| Lansing-East Lansing | 11 |
| Detroit-Dearborn-Livonia | 2 |
| Bay City | 1 |
| Muskegon-Norton Shores | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549003KE4TBG4N5AY60 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 390840 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 314722 | 1990–2017 |
Established 1 January 1934. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Union Bank's data.
Union Bank's data
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