Applications / Mortgage Analytics / Lenders / Michigan / United Bank of Michigan
Grand Rapids, MI · State non-member bank · FDIC · $1.1 billion assets · 345 loans in 2025
United Bank of Michigan's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
345
loans originated, 2025
504
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
United Bank of Michigan, a state-chartered bank in Grand Rapids, ranks 18th of 436 mortgage lenders in its home market, where it has lent since 1990, and it grew in step with that market in 2025.
Grand Rapids-Wyoming-Kentwood is its largest market. It ranks 18 of 436 there, and its share edged up from 0.9% to 1.0%. Lake Michigan Credit Union leads with $1.62B, so the bank is a small player in a crowded field, though a steady one.
It made 345 loans, up 10% on the year. Similar lenders, meaning banks of the same type making between half and twice as many loans, grew 9%, and the whole market grew 10%. About three in five of its loans were for home purchases.
Its typical loan was $235,000, against $185,000 at similar lenders and $195,000 a year earlier. That is higher than at about seven in ten of them. Every loan was conventional: it made no loans insured by the Federal Housing Administration (FHA) or backed by other government programs.
In 2025 13.1% of its loans went to homes in low- and moderate-income neighborhoods, up from 10.2% a year earlier and 6.1% five years before. That is still below the 16.5% at similar lenders, which may reflect the mix of the 24 Michigan counties where it lends. Its share in majority-minority neighborhoods rose to 11.3%, above the 6.7% at similar lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. United Bank of Michigan took 504 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 61.2% · Refinance 26.7% · Home improvement 7.8% · Other 4.3%
Conventional 100.0% · of 345 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 | 345 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Grand Rapids-Wyoming-Kentwood | 227 |
| Muskegon-Norton Shores | 10 |
| Kalamazoo-Portage | 3 |
| Warren-Troy-Farmington Hills | 3 |
| Lansing-East Lansing | 2 |
| Traverse City | 2 |
| Ann Arbor | 1 |
| Midland | 1 |
| Niles | 1 |
| South Bend-Mishawaka | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549004W2JKWS6P17T44 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 150044 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 311807 | 1990–2017 |
Established 1 January 1903. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: United Bank of Michigan's data.
United Bank of Michigan's data
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United Bank of Michigan and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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