University Bank Mortgage Lending & HMDA Data, 2025
In 2025, University Bank of Ann Arbor, MI reported 2,999 mortgage applications totaling $1.0 billion, up 23% from 2024. The average application was for $346,340, and applicants reported an average income of $141,852. 81% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Pensacola-Ferry Pass-Brent, FL (496), Tallahassee, FL (449) and Ann Arbor, MI (280) (applications in parentheses).
| Mortgage Company & Address | University Bank 2015 Washtenaw Ave Ann Arbor, MI 48104 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,999 |
| Total Mortgage Loan Application Amount | $1,038,675,000 |
| Average Mortgage Loan Application Amount | $346,340 |
| Highest Mortgage Loan Application Amount | $2,055,000 |
| Average Applicant Income | $141,852 |
| Highest Applicant Income | $2,792,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records University Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Pensacola-Ferry Pass-Brent, FL | 496 | $ 171,530,000 | $ 345,826 | $ 130,000 |
| Tallahassee, FL | 449 | $ 119,315,000 | $ 265,734 | $ 100,000 |
| Ann Arbor, MI | 280 | $ 82,810,000 | $ 295,750 | $ 141,000 |
| Outside any metro area | 252 | $ 73,300,000 | $ 290,873 | $ 128,130 |
| Crestview-Fort Walton Beach-Destin, FL | 219 | $ 78,005,000 | $ 356,187 | $ 128,000 |
| Warren-Troy-Farmington Hills, MI | 175 | $ 41,865,000 | $ 239,228 | $ 113,000 |
| Lake County-Porter County-Jasper County, IN | 162 | $ 52,200,000 | $ 322,222 | $ 133,000 |
| Detroit-Dearborn-Livonia, MI | 93 | $ 20,405,000 | $ 219,408 | $ 93,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 34 | $ 21,330,000 | $ 627,352 | $ 250,000 |
| Charleston-North Charleston, SC | 30 | $ 13,570,000 | $ 452,333 | $ 138,000 |
| Charlotte-Concord-Gastonia, NC-SC | 26 | $ 14,900,000 | $ 573,076 | $ 214,846 |
| Atlanta-Sandy Springs-Roswell, GA | 23 | $ 13,105,000 | $ 569,782 | $ 194,000 |
| Tampa, FL | 21 | $ 9,995,000 | $ 475,952 | $ 203,000 |
| Los Angeles-Long Beach-Glendale, CA | 19 | $ 10,135,000 | $ 533,421 | $ 116,000 |
| Orlando-Kissimmee-Sanford, FL | 18 | $ 8,840,000 | $ 491,111 | $ 168,000 |
| Jackson, MI | 17 | $ 4,985,000 | $ 293,235 | $ 99,000 |
| Phoenix-Mesa-Scottsdale, AZ | 17 | $ 9,365,000 | $ 550,882 | $ 248,000 |
| Chicago-Naperville, IL | 16 | $ 4,450,000 | $ 278,125 | $ 126,000 |
| Vallejo-Fairfield, CA | 16 | $ 9,030,000 | $ 564,375 | $ 191,000 |
| Indianapolis-Carmel-Anderson, IN | 14 | $ 4,640,000 | $ 331,428 | $ 127,000 |
| Anaheim-Santa Ana-Irvine, CA | 13 | $ 9,925,000 | $ 763,461 | $ 217,000 |
| Riverside-San Bernardino-Ontario, CA | 13 | $ 6,935,000 | $ 533,461 | $ 197,000 |
| Flint, MI | 11 | $ 2,615,000 | $ 237,727 | $ 119,000 |
| Jacksonville, FL | 11 | $ 3,885,000 | $ 353,181 | $ 103,000 |
| Knoxville, TN | 11 | $ 5,895,000 | $ 535,909 | $ 179,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 11 | $ 3,915,000 | $ 355,909 | $ 131,454 |
| Arlington-Alexandria-Reston, VA-WV | 10 | $ 8,250,000 | $ 825,000 | $ 319,000 |
| Denver-Aurora-Lakewood, CO | 10 | $ 4,550,000 | $ 455,000 | $ 177,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 10 | $ 5,520,000 | $ 552,000 | $ 267,000 |
| Raleigh, NC | 10 | $ 5,220,000 | $ 522,000 | $ 495,000 |
| Washington, DC-MD | 10 | $ 4,360,000 | $ 436,000 | $ 228,900 |
| Monroe, MI | 9 | $ 2,595,000 | $ 288,333 | $ 110,000 |
| Oakland-Hayward-Berkeley, CA | 9 | $ 5,075,000 | $ 563,888 | $ 185,000 |
| Oklahoma City, OK | 9 | $ 4,955,000 | $ 550,555 | $ 219,000 |
| Pinehurst-Southern Pines, NC | 9 | $ 5,425,000 | $ 602,777 | $ 186,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 9 | $ 4,975,000 | $ 552,777 | $ 240,000 |
| Baltimore-Columbia-Towson, MD | 8 | $ 3,220,000 | $ 402,500 | $ 243,000 |
| Daphne-Fairhope-Foley, AL | 8 | $ 2,690,000 | $ 336,250 | $ 177,000 |
| Fayetteville, NC | 8 | $ 3,180,000 | $ 397,500 | $ 164,000 |
| North Port-Sarasota-Bradenton, FL | 8 | $ 4,640,000 | $ 580,000 | $ 177,000 |
| St. Louis, MO-IL | 8 | $ 3,050,000 | $ 381,250 | $ 142,000 |
| St. Petersburg-Clearwater-Largo, FL | 8 | $ 3,350,000 | $ 418,750 | $ 189,000 |
| Kalamazoo-Portage, MI | 7 | $ 1,205,000 | $ 172,142 | $ 59,000 |
| Montgomery County-Bucks County-Chester County, PA | 7 | $ 3,045,000 | $ 435,000 | $ 160,000 |
| Panama City, FL | 7 | $ 2,845,000 | $ 406,428 | $ 201,000 |
| Prescott Valley-Prescott, AZ | 7 | $ 2,865,000 | $ 409,285 | $ 268,000 |
| Provo-Orem, UT | 7 | $ 4,235,000 | $ 605,000 | $ 202,000 |
| Battle Creek, MI | 6 | $ 860,000 | $ 143,333 | $ 35,000 |
| Cincinnati, OH-KY-IN | 6 | $ 2,220,000 | $ 370,000 | $ 211,333 |
| Grand Rapids-Wyoming, MI | 6 | $ 3,640,000 | $ 606,666 | $ 160,000 |
| Lake County-Kenosha County, IL-WI | 6 | $ 1,920,000 | $ 320,000 | $ 105,000 |
| Lansing-East Lansing, MI | 6 | $ 1,290,000 | $ 215,000 | $ 88,000 |
| Las Vegas-Henderson-Paradise, NV | 6 | $ 2,570,000 | $ 428,333 | $ 165,000 |
| Marietta, GA | 6 | $ 2,220,000 | $ 370,000 | $ 198,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 6 | $ 3,150,000 | $ 525,000 | $ 239,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 5 | $ 1,185,000 | $ 237,000 | $ 144,000 |
| Birmingham-Hoover, AL | 5 | $ 1,415,000 | $ 283,000 | $ 145,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 2,045,000 | $ 409,000 | $ 291,000 |
| Evansville, IN-KY | 5 | $ 405,000 | $ 81,000 | $ 21,000 |
| Greeley, CO | 5 | $ 2,505,000 | $ 501,000 | $ 188,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 5 | $ 1,195,000 | $ 239,000 | $ 128,000 |
| Ogden-Clearfield, UT | 5 | $ 2,395,000 | $ 479,000 | $ 235,000 |
| Palm Bay-Melbourne-Titusville, FL | 5 | $ 2,525,000 | $ 505,000 | $ 200,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 5 | $ 3,055,000 | $ 611,000 | $ 283,600 |
| San Diego-Carlsbad, CA | 5 | $ 3,695,000 | $ 739,000 | $ 359,000 |
| Traverse City, MI | 5 | $ 2,245,000 | $ 449,000 | $ 234,000 |
| Washington-Baltimore-Arlington, DC | 5 | $ 1,885,000 | $ 377,000 | $ 194,000 |
| Bakersfield, CA | 4 | $ 1,410,000 | $ 352,500 | $ 181,000 |
| Chattanooga, TN-GA | 4 | $ 1,770,000 | $ 442,500 | $ 154,000 |
| Dallas-Plano-Irving, TX | 4 | $ 1,320,000 | $ 330,000 | $ 125,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 4 | $ 800,000 | $ 200,000 | $ 94,000 |
| Dothan, AL | 4 | $ 1,220,000 | $ 305,000 | $ 129,000 |
| Fort Worth-Arlington, TX | 4 | $ 1,090,000 | $ 272,500 | $ 89,000 |
| Fresno, CA | 4 | $ 2,270,000 | $ 567,500 | $ 276,000 |
| Greenville-Anderson-Mauldin, SC | 4 | $ 2,080,000 | $ 520,000 | $ 224,000 |
| Kansas City, MO-KS | 4 | $ 1,450,000 | $ 362,500 | $ 336,000 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 1,410,000 | $ 352,500 | $ 227,000 |
| Naples-Immokalee-Marco Island, FL | 4 | $ 1,030,000 | $ 257,500 | $ 206,000 |
| Olympia-Tumwater, WA | 4 | $ 2,160,000 | $ 540,000 | $ 155,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 4 | $ 2,870,000 | $ 717,500 | $ 192,000 |
| Pittsburgh, PA | 4 | $ 1,040,000 | $ 260,000 | $ 149,000 |
| Sioux Falls, SD | 4 | $ 670,000 | $ 167,500 | $ 67,000 |
| Akron, OH | 3 | $ 1,065,000 | $ 355,000 | $ 168,000 |
| Asheville, NC | 3 | $ 1,195,000 | $ 398,333 | $ 181,000 |
| Augusta-Richmond County, GA-SC | 3 | $ 1,105,000 | $ 368,333 | $ 229,000 |
| Brunswick, GA | 3 | $ 1,315,000 | $ 438,333 | $ 89,000 |
| Cambridge-Newton-Framingham, MA | 3 | $ 3,005,000 | $ 1,001,666 | $ 342,000 |
| Colorado Springs, CO | 3 | $ 1,665,000 | $ 555,000 | $ 132,000 |
| Durham-Chapel Hill, NC | 3 | $ 1,125,000 | $ 375,000 | $ 140,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 3 | $ 935,000 | $ 311,666 | $ 106,000 |
| Jacksonville, NC | 3 | $ 1,735,000 | $ 578,333 | $ 165,000 |
| Lafayette, LA | 3 | $ 885,000 | $ 295,000 | $ 149,000 |
| Lakeland-Winter Haven, FL | 3 | $ 1,185,000 | $ 395,000 | $ 132,000 |
| Memphis, TN-MS-AR | 3 | $ 1,665,000 | $ 555,000 | $ 189,333 |
| Montgomery, AL | 3 | $ 915,000 | $ 305,000 | $ 114,000 |
| Napa, CA | 3 | $ 1,925,000 | $ 641,666 | $ 334,000 |
| Nassau County-Suffolk County, NY | 3 | $ 2,265,000 | $ 755,000 | $ 285,000 |
| Ocala, FL | 3 | $ 1,155,000 | $ 385,000 | $ 107,000 |
| Punta Gorda, FL | 3 | $ 715,000 | $ 238,333 | $ 166,000 |
| Richmond, VA | 3 | $ 825,000 | $ 275,000 | $ 87,000 |
| Salt Lake City, UT | 3 | $ 1,675,000 | $ 558,333 | $ 232,000 |
| Seattle-Bellevue-Everett, WA | 3 | $ 2,485,000 | $ 828,333 | $ 306,000 |
| Sebastian-Vero Beach, FL | 3 | $ 885,000 | $ 295,000 | $ 105,000 |
| Spartanburg, SC | 3 | $ 655,000 | $ 218,333 | $ 97,000 |
| Tacoma-Lakewood, WA | 3 | $ 1,385,000 | $ 461,666 | $ 174,000 |
| Tulsa, OK | 3 | $ 1,245,000 | $ 415,000 | $ 161,000 |
| Albuquerque, NM | 2 | $ 710,000 | $ 355,000 | $ 143,000 |
| Appleton, WI | 2 | $ 800,000 | $ 400,000 | $ 144,000 |
| Billings, MT | 2 | $ 450,000 | $ 225,000 | $ 199,000 |
| Bloomington, IN | 2 | $ 810,000 | $ 405,000 | $ 114,000 |
| Boise City, ID | 2 | $ 870,000 | $ 435,000 | $ 288,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 2 | $ 1,310,000 | $ 655,000 | $ 275,000 |
| Cleveland, OH | 2 | $ 700,000 | $ 350,000 | $ 91,000 |
| Columbia, SC | 2 | $ 640,000 | $ 320,000 | $ 432,000 |
| Columbus, GA-AL | 2 | $ 430,000 | $ 215,000 | $ 140,000 |
| Columbus, OH | 2 | $ 920,000 | $ 460,000 | $ 138,000 |
| Dayton-Springfield-Kettering, OH | 2 | $ 870,000 | $ 435,000 | $ 130,000 |
| El Paso, TX | 2 | $ 650,000 | $ 325,000 | $ 108,000 |
| Florence-Muscle Shoals, AL | 2 | $ 720,000 | $ 360,000 | $ 199,000 |
| Gainesville, GA | 2 | $ 650,000 | $ 325,000 | $ 140,000 |
| Green Bay, WI | 2 | $ 430,000 | $ 215,000 | $ 44,000 |
| Huntsville, AL | 2 | $ 740,000 | $ 370,000 | $ 237,000 |
| Jackson, MS | 2 | $ 880,000 | $ 440,000 | $ 170,000 |
| Kennewick-Richland, WA | 2 | $ 1,460,000 | $ 730,000 | $ 254,000 |
| Lakewood-New Brunswick, NJ | 2 | $ 950,000 | $ 475,000 | $ 213,000 |
| Lancaster, PA | 2 | $ 880,000 | $ 440,000 | $ 146,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 860,000 | $ 430,000 | $ 183,000 |
| Logan, UT-ID | 2 | $ 1,570,000 | $ 785,000 | $ 577,000 |
| New Haven-Milford, CT | 2 | $ 1,870,000 | $ 935,000 | $ 356,000 |
| New York-Jersey City-White Plains, NY-NJ | 2 | $ 1,300,000 | $ 650,000 | $ 168,500 |
| Peoria, IL | 2 | $ 350,000 | $ 175,000 | $ 90,000 |
| Port St. Lucie, FL | 2 | $ 680,000 | $ 340,000 | $ 161,000 |
| Rockingham County-Strafford County, NH | 2 | $ 840,000 | $ 420,000 | $ 114,000 |
| St. George, UT | 2 | $ 1,150,000 | $ 575,000 | $ 171,000 |
| Stockton-Lodi, CA | 2 | $ 790,000 | $ 395,000 | $ 111,000 |
| Tucson, AZ | 2 | $ 1,080,000 | $ 540,000 | $ 159,000 |
| Valdosta, GA | 2 | $ 1,040,000 | $ 520,000 | $ 255,000 |
| Wilmington, NC | 2 | $ 950,000 | $ 475,000 | $ 233,000 |
| Winston-Salem, NC | 2 | $ 1,320,000 | $ 660,000 | $ 654,000 |
| Amherst Town-Northampton, MA | 1 | $ 605,000 | $ 605,000 | $ 211,000 |
| Athens-Clarke County, GA | 1 | $ 115,000 | $ 115,000 | $ 34,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 1,855,000 | $ 1,855,000 | $ 549,000 |
| Auburn-Opelika, AL | 1 | $ 225,000 | $ 225,000 | $ 1,360,000 |
| Barnstable Town, MA | 1 | $ 565,000 | $ 565,000 | $ 210,000 |
| Baton Rouge, LA | 1 | $ 275,000 | $ 275,000 | $ 98,000 |
| Bend-Redmond, OR | 1 | $ 305,000 | $ 305,000 | $ 147,000 |
| Boston, MA | 1 | $ 465,000 | $ 465,000 | $ 152,000 |
| Bremerton-Silverdale, WA | 1 | $ 925,000 | $ 925,000 | $ 336,000 |
| Canton-Massillon, OH | 1 | $ 235,000 | $ 235,000 | $ 97,000 |
| Clarksville, TN-KY | 1 | $ 345,000 | $ 345,000 | $ 170,000 |
| Coeur D'Alene, ID | 1 | $ 805,000 | $ 805,000 | $ 255,000 |
| Columbia, MO | 1 | $ 355,000 | $ 355,000 | $ 135,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 65,000 | $ 65,000 | $ 33,000 |
| Decatur, AL | 1 | $ 335,000 | $ 335,000 | $ 179,000 |
| Des Moines-West Des Moines, IA | 1 | $ 105,000 | $ 105,000 | $ 29,000 |
| Elgin, IL | 1 | $ 255,000 | $ 255,000 | $ 119,000 |
| Eugene, OR | 1 | $ 615,000 | $ 615,000 | $ 192,000 |
| Fargo, ND-MN | 1 | $ 85,000 | $ 85,000 | $ 17,000 |
| Farmington, NM | 1 | $ 425,000 | $ 425,000 | $ 178,000 |
| Flagstaff, AZ | 1 | $ 965,000 | $ 965,000 | $ 642,000 |
| Fort Wayne, IN | 1 | $ 325,000 | $ 325,000 | $ 117,000 |
| Gadsden, AL | 1 | $ 175,000 | $ 175,000 | $ 40,000 |
| Gainesville, FL | 1 | $ 185,000 | $ 185,000 | $ 93,000 |
| Gettysburg, PA | 1 | $ 395,000 | $ 395,000 | $ 105,000 |
| Grand Junction, CO | 1 | $ 375,000 | $ 375,000 | $ 94,000 |
| Grants Pass, OR | 1 | $ 475,000 | $ 475,000 | $ 123,000 |
| Greensboro-High Point, NC | 1 | $ 315,000 | $ 315,000 | $ 170,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 615,000 | $ 615,000 | $ 223,000 |
| Helena, MT | 1 | $ 885,000 | $ 885,000 | $ 309,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 405,000 | $ 405,000 | $ 1,360,000 |
| Houma-Thibodaux, LA | 1 | $ 295,000 | $ 295,000 | $ 101,000 |
| Janesville-Beloit, WI | 1 | $ 395,000 | $ 395,000 | $ 189,000 |
| Joplin, MO | 1 | $ 175,000 | $ 175,000 | $ 119,000 |
| Kankakee, IL | 1 | $ 295,000 | $ 295,000 | $ 136,000 |
| Kenosha, WI | 1 | $ 435,000 | $ 435,000 | $ 140,000 |
| Kokomo, IN | 1 | $ 205,000 | $ 205,000 | $ 962,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 705,000 | $ 705,000 | $ 211,000 |
| Lewiston-Auburn, ME | 1 | $ 725,000 | $ 725,000 | $ 194,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 405,000 | $ 405,000 | $ 268,000 |
| Madison, WI | 1 | $ 205,000 | $ 205,000 | $ 169,000 |
| Midland, MI | 1 | $ 175,000 | $ 175,000 | $ 92,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 965,000 | $ 965,000 | $ 280,000 |
| Missoula, MT | 1 | $ 305,000 | $ 305,000 | $ 176,000 |
| Muskegon, MI | 1 | $ 245,000 | $ 245,000 | $ 72,000 |
| New Orleans-Metairie, LA | 1 | $ 375,000 | $ 375,000 | $ 167,000 |
| Niles-Benton Harbor, MI | 1 | $ 85,000 | $ 85,000 | $ 16,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 375,000 | $ 375,000 | $ 156,000 |
| Oshkosh-Neenah, WI | 1 | $ 455,000 | $ 455,000 | $ 133,000 |
| Owensboro, KY | 1 | $ 125,000 | $ 125,000 | $ 120,000 |
| Pueblo, CO | 1 | $ 175,000 | $ 175,000 | $ 172,000 |
| Rapid City, SD | 1 | $ 225,000 | $ 225,000 | $ 26,000 |
| Redding, CA | 1 | $ 895,000 | $ 895,000 | $ 455,000 |
| Reno, NV | 1 | $ 295,000 | $ 295,000 | $ 89,000 |
| Rochester, NY | 1 | $ 405,000 | $ 405,000 | $ 240,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 655,000 | $ 655,000 | $ 384,000 |
| San Antonio-New Braunfels, TX | 1 | $ 435,000 | $ 435,000 | $ 213,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 945,000 | $ 945,000 | $ 252,000 |
| Savannah, GA | 1 | $ 465,000 | $ 465,000 | $ 165,000 |
| Sebring, FL | 1 | $ 475,000 | $ 475,000 | $ 137,000 |
| Springfield, IL | 1 | $ 315,000 | $ 315,000 | $ 133,000 |
| Syracuse, NY | 1 | $ 225,000 | $ 225,000 | $ 127,000 |
| Terre Haute, IN | 1 | $ 145,000 | $ 145,000 | $ 62,000 |
| Twin Falls, ID | 1 | $ 305,000 | $ 305,000 | $ 222,000 |
| Warner Robins, GA | 1 | $ 595,000 | $ 595,000 | $ 262,000 |
| Wichita, KS | 1 | $ 285,000 | $ 285,000 | $ 227,000 |
| Winchester, VA-WV | 1 | $ 555,000 | $ 555,000 | $ 256,000 |
| Yakima, WA | 1 | $ 375,000 | $ 375,000 | $ 176,000 |
Mortgage Loan Application Detail Totals for University Bank in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 2,122 | $683,640,000 | $322,000 | $2,055,000 | $128,000 | $1,649,000 |
| Refinancing | 660 | $308,130,000 | $466,000 | $2,005,000 | $189,000 | $1,883,000 |
| Other Purpose | 91 | $19,435,000 | $213,000 | $1,125,000 | $111,000 | $928,000 |
| Home Improvement | 65 | $8,855,000 | $136,000 | $1,065,000 | $165,000 | $2,792,000 |
| Cash-out Refinancing | 61 | $18,615,000 | $305,000 | $805,000 | $135,000 | $465,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 2,034 | $693,800,000 | $341,000 | $2,005,000 | $140,000 | $1,649,000 |
| Black or African American | 305 | $91,645,000 | $300,000 | $1,535,000 | $106,000 | $449,000 |
| Not Provided | 269 | $109,485,000 | $407,000 | $1,995,000 | $178,000 | $2,792,000 |
| Hispanic | 187 | $67,485,000 | $360,000 | $2,055,000 | $163,000 | $1,360,000 |
| Asian | 168 | $62,770,000 | $373,000 | $1,185,000 | $142,000 | $501,000 |
| American Indian or Alaskan Native | 21 | $7,995,000 | $380,000 | $995,000 | $166,000 | $486,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $2,840,000 | $355,000 | $805,000 | $113,000 | $232,000 |
| Not applicable | 7 | $2,655,000 | $379,000 | $575,000 | $126,000 | $126,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,849 | $666,905,000 | $360,000 | $2,055,000 | $166,000 | $2,792,000 |
| FHA-insured (Federal Housing Administration) | 610 | $157,270,000 | $257,000 | $835,000 | $81,000 | $313,000 |
| VA-guaranteed (Veterans Administration) | 493 | $205,125,000 | $416,000 | $2,005,000 | $130,000 | $605,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 47 | $9,375,000 | $199,000 | $355,000 | $77,000 | $114,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 2,426 | $850,800,000 | $350,000 | $2,055,000 | $145,000 | $2,792,000 |
| Application Withdrawn By Applicant | 419 | $136,095,000 | $324,000 | $1,615,000 | $126,000 | $698,000 |
| Application Denied By Financial Institution | 126 | $42,560,000 | $337,000 | $1,085,000 | $138,000 | $1,649,000 |
| Application Approved But Not Accepted | 16 | $4,650,000 | $290,000 | $695,000 | $131,000 | $429,000 |
| File Closed For Incompleteness | 10 | $3,830,000 | $383,000 | $995,000 | $156,000 | $336,000 |
| Loan Purchased By The Institution | 2 | $740,000 | $370,000 | $555,000 | $126,000 | $126,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 2,178 | $677,070,000 | $310,000 | $2,005,000 | $122,000 | $1,392,000 |
| Debt-To-Income Ratio | 778 | $348,040,000 | $447,000 | $2,055,000 | $199,000 | $2,792,000 |
| Collateral | 23 | $7,675,000 | $333,000 | $705,000 | $129,000 | $390,000 |
| Other | 9 | $2,215,000 | $246,000 | $585,000 | $108,000 | $193,000 |
| Credit History | 8 | $1,970,000 | $246,000 | $455,000 | $89,000 | $144,000 |
| Unverifiable Information | 2 | $1,420,000 | $710,000 | $1,085,000 | $400,000 | $657,000 |
| Employment History | 1 | $285,000 | $285,000 | $285,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into University Bank's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess University Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Michigan, download the full spreadsheet
with aggregated HMDA statistics today.
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