Applications / Mortgage Analytics / Lenders / Michigan / UIF
Ann Arbor, MI · Non-bank subsidiary of a bank · CFPB · 1,675 loans in 2025
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1,675
loans originated, 2025
2,637
applications, 2025
31
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
UIF is a lender to home buyers across 31 states: nearly nine in ten of its 1,675 loans in 2025 financed a purchase, and every one was conventional, without a government guarantee.
Purchases made up 88.2% of its loans and refinances 10.4%. Similar lenders, non-bank subsidiaries of banks making between half and twice as many loans, made 21.1% of theirs insured by the Federal Housing Administration (FHA); UIF made none. Its typical loan, $345,000, was larger than their $305,000.
It made 39.9% of its loans in majority-minority neighborhoods, about twice the 18.5% at similar lenders and more than about nine in ten of them. Its share in poorer neighborhoods (low- and moderate-income, or LMI, tracts), 22.3%, was also higher than at more than four in five similar lenders.
It made 1,675 loans, down 6% from 1,778, while similar lenders held steady and the whole market grew 10%. Its dollar lending still edged up, to $635.2 million from $629.3 million, because its typical loan grew to $345,000 from $325,000. It may have chosen larger loans over more of them, or lent less in markets where it once did more.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. UIF took 2,637 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 88.2% · Refinance 10.4% · Other 1.0% · Home improvement 0.4%
Conventional 100.0% · of 1,675 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 |
|---|---|---|
| Texas | 257 | 15.3% |
| Michigan | 227 | 13.6% |
| New York | 161 | 9.6% |
| Minnesota | 157 | 9.4% |
| Illinois | 131 | 7.8% |
| New Jersey | 90 | 5.4% |
| Pennsylvania | 86 | 5.1% |
| California | 70 | 4.2% |
| Ohio | 68 | 4.1% |
| Virginia | 66 | 3.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Minneapolis-St. Paul-Bloomington | 147 |
| Dallas-Plano-Irving | 128 |
| Warren-Troy-Farmington Hills | 127 |
| Chicago-Naperville-Schaumburg | 116 |
| Houston-Pasadena-The Woodlands | 89 |
| Buffalo-Cheektowaga | 78 |
| Detroit-Dearborn-Livonia | 70 |
| Arlington-Alexandria-Reston | 53 |
| New York-Jersey City-White Plains | 45 |
| Atlanta-Sandy Springs-Roswell | 42 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300BXWU32AYWT1A56 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3424821 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 3204136310 |
Established 29 December 2005. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: UIF's data.
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