University Lending Group, LLC Mortgage Lending & HMDA Data, 2022
In 2022, University Lending Group, LLC of Cllinton Township, MI reported 2,865 mortgage applications totaling $862.1 million, down 51% from 2021. The average application was for $300,895, and applicants reported an average income of $112,335. 75% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Tallahassee, FL (644), Pensacola-Ferry Pass-Brent, FL (528) and Crestview-Fort Walton Beach-Destin, FL (298) (applications in parentheses).
| Mortgage Company & Address | University Lending Group, LLC 42452 Hayes, Ste I Cllinton Township, MI 48038 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 |
| Total Number of Mortgage Applications | 2,865 |
| Total Mortgage Loan Application Amount | $862,065,000 |
| Average Mortgage Loan Application Amount | $300,895 |
| Highest Mortgage Loan Application Amount | $9,995,000 |
| Average Applicant Income | $112,335 |
| Highest Applicant Income | $6,902,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records University Lending Group, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Tallahassee, FL | 644 | $ 170,610,000 | $ 264,922 | $ 98,000 |
| Pensacola-Ferry Pass-Brent, FL | 528 | $ 172,970,000 | $ 327,594 | $ 110,000 |
| Crestview-Fort Walton Beach-Destin, FL | 298 | $ 99,790,000 | $ 334,865 | $ 102,000 |
| Ann Arbor, MI | 293 | $ 97,645,000 | $ 333,259 | $ 175,000 |
| Outside any metro area | 202 | $ 44,800,000 | $ 221,782 | $ 92,772 |
| Warren-Troy-Farmington Hills, MI | 188 | $ 43,310,000 | $ 230,372 | $ 95,000 |
| Gary, IN | 176 | $ 46,470,000 | $ 264,034 | $ 105,000 |
| Detroit-Dearborn-Livonia, MI | 118 | $ 24,710,000 | $ 209,406 | $ 79,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 47 | $ 28,055,000 | $ 596,914 | $ 208,000 |
| Tampa-St. Petersburg-Clearwater, FL | 29 | $ 22,035,000 | $ 759,827 | $ 140,000 |
| San Angelo, TX | 25 | $ 5,975,000 | $ 239,000 | $ 101,000 |
| Jacksonville, FL | 16 | $ 6,190,000 | $ 386,875 | $ 122,000 |
| Orlando-Kissimmee-Sanford, FL | 15 | $ 6,755,000 | $ 450,333 | $ 186,000 |
| Monroe, MI | 14 | $ 2,990,000 | $ 213,571 | $ 78,000 |
| Panama City, FL | 14 | $ 3,460,000 | $ 247,142 | $ 86,000 |
| Jackson, MI | 13 | $ 2,675,000 | $ 205,769 | $ 71,000 |
| Lansing-East Lansing, MI | 13 | $ 2,345,000 | $ 180,384 | $ 63,000 |
| Indianapolis-Carmel-Anderson, IN | 12 | $ 2,090,000 | $ 174,166 | $ 67,000 |
| Chicago-Naperville, IL | 10 | $ 1,920,000 | $ 192,000 | $ 87,000 |
| Atlanta-Sandy Springs-Roswell, GA | 9 | $ 4,105,000 | $ 456,111 | $ 189,000 |
| Charlotte-Concord-Gastonia, NC-SC | 9 | $ 3,405,000 | $ 378,333 | $ 101,444 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 9 | $ 5,095,000 | $ 566,111 | $ 191,000 |
| Gainesville, FL | 9 | $ 2,195,000 | $ 243,888 | $ 98,000 |
| Cape Coral-Fort Myers, FL | 8 | $ 2,930,000 | $ 366,250 | $ 114,000 |
| Denver-Aurora-Lakewood, CO | 7 | $ 4,985,000 | $ 712,142 | $ 172,000 |
| Flint, MI | 7 | $ 1,705,000 | $ 243,571 | $ 72,000 |
| North Port-Sarasota-Bradenton, FL | 6 | $ 2,380,000 | $ 396,666 | $ 178,000 |
| St. George, UT | 6 | $ 2,780,000 | $ 463,333 | $ 128,000 |
| Columbus, OH | 5 | $ 1,725,000 | $ 345,000 | $ 126,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 5 | $ 1,455,000 | $ 291,000 | $ 164,000 |
| Grand Rapids-Wyoming, MI | 5 | $ 1,305,000 | $ 261,000 | $ 122,000 |
| Palm Bay-Melbourne-Titusville, FL | 5 | $ 2,325,000 | $ 465,000 | $ 126,000 |
| Daphne-Fairhope-Foley, AL | 4 | $ 1,410,000 | $ 352,500 | $ 117,000 |
| Kalamazoo-Portage, MI | 4 | $ 490,000 | $ 122,500 | $ 34,000 |
| Lafayette-West Lafayette, IN | 4 | $ 810,000 | $ 202,500 | $ 65,000 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 1,110,000 | $ 277,500 | $ 95,000 |
| Savannah, GA | 4 | $ 1,040,000 | $ 260,000 | $ 96,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 4 | $ 1,550,000 | $ 387,500 | $ 164,000 |
| Auburn-Opelika, AL | 3 | $ 945,000 | $ 315,000 | $ 102,000 |
| Battle Creek, MI | 3 | $ 745,000 | $ 248,333 | $ 110,000 |
| Birmingham-Hoover, AL | 3 | $ 1,555,000 | $ 518,333 | $ 112,000 |
| Colorado Springs, CO | 3 | $ 1,225,000 | $ 408,333 | $ 104,000 |
| Michigan City-La Porte, IN | 3 | $ 505,000 | $ 168,333 | $ 86,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 3 | $ 845,000 | $ 281,666 | $ 99,000 |
| Ogden-Clearfield, UT | 3 | $ 1,135,000 | $ 378,333 | $ 99,000 |
| Provo-Orem, UT | 3 | $ 1,205,000 | $ 401,666 | $ 77,000 |
| Punta Gorda, FL | 3 | $ 1,895,000 | $ 631,666 | $ 262,000 |
| Salt Lake City, UT | 3 | $ 1,645,000 | $ 548,333 | $ 115,000 |
| Asheville, NC | 2 | $ 850,000 | $ 425,000 | $ 242,000 |
| Austin-Round Rock, TX | 2 | $ 1,110,000 | $ 555,000 | $ 166,000 |
| Cleveland-Elyria, OH | 2 | $ 450,000 | $ 225,000 | $ 105,000 |
| Greenville-Anderson-Mauldin, SC | 2 | $ 810,000 | $ 405,000 | $ 142,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 2 | $ 750,000 | $ 375,000 | $ 72,000 |
| Houston-The Woodlands-Sugar Land, TX | 2 | $ 900,000 | $ 450,000 | $ 158,000 |
| Huntsville, AL | 2 | $ 680,000 | $ 340,000 | $ 115,000 |
| Knoxville, TN | 2 | $ 480,000 | $ 240,000 | $ 62,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 1,360,000 | $ 680,000 | $ 252,000 |
| Port St. Lucie, FL | 2 | $ 760,000 | $ 380,000 | $ 102,000 |
| Pueblo, CO | 2 | $ 650,000 | $ 325,000 | $ 139,000 |
| Richmond, VA | 2 | $ 490,000 | $ 245,000 | $ 98,000 |
| Saginaw, MI | 2 | $ 160,000 | $ 80,000 | $ 48,000 |
| Valdosta, GA | 2 | $ 430,000 | $ 215,000 | $ 79,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 430,000 | $ 215,000 | $ 130,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 1,390,000 | $ 695,000 | $ 217,000 |
| Akron, OH | 1 | $ 265,000 | $ 265,000 | $ 64,000 |
| Albany, GA | 1 | $ 75,000 | $ 75,000 | $ 31,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 265,000 | $ 265,000 | $ 70,000 |
| Bloomington, IN | 1 | $ 245,000 | $ 245,000 | $ 155,000 |
| Boulder, CO | 1 | $ 1,655,000 | $ 1,655,000 | $ 540,000 |
| Chattanooga, TN-GA | 1 | $ 285,000 | $ 285,000 | $ 98,000 |
| Cincinnati, OH-KY-IN | 1 | $ 175,000 | $ 175,000 | $ 53,000 |
| Clarksville, TN-KY | 1 | $ 385,000 | $ 385,000 | $ 138,000 |
| Cleveland, TN | 1 | $ 205,000 | $ 205,000 | $ 83,000 |
| Columbus, GA-AL | 1 | $ 355,000 | $ 355,000 | $ 196,000 |
| Dallas-Plano-Irving, TX | 1 | $ 505,000 | $ 505,000 | $ 141,000 |
| Dothan, AL | 1 | $ 375,000 | $ 375,000 | $ 109,000 |
| Durham-Chapel Hill, NC | 1 | $ 175,000 | $ 175,000 | $ 59,000 |
| Elkhart-Goshen, IN | 1 | $ 315,000 | $ 315,000 | $ 67,000 |
| Fort Collins, CO | 1 | $ 675,000 | $ 675,000 | $ 244,000 |
| Goldsboro, NC | 1 | $ 395,000 | $ 395,000 | $ 117,000 |
| Greeley, CO | 1 | $ 525,000 | $ 525,000 | $ 130,000 |
| Kankakee, IL | 1 | $ 175,000 | $ 175,000 | $ 96,000 |
| Lakeland-Winter Haven, FL | 1 | $ 235,000 | $ 235,000 | $ 52,000 |
| Lexington-Fayette, KY | 1 | $ 275,000 | $ 275,000 | $ 76,000 |
| Mobile, AL | 1 | $ 275,000 | $ 275,000 | $ 122,000 |
| Montgomery, AL | 1 | $ 305,000 | $ 305,000 | $ 220,000 |
| Muskegon, MI | 1 | $ 185,000 | $ 185,000 | $ 120,000 |
| Niles-Benton Harbor, MI | 1 | $ 225,000 | $ 225,000 | $ 157,000 |
| Ocala, FL | 1 | $ 165,000 | $ 165,000 | $ 37,000 |
| San Antonio-New Braunfels, TX | 1 | $ 315,000 | $ 315,000 | $ 104,000 |
| Sebring, FL | 1 | $ 165,000 | $ 165,000 | $ 60,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 295,000 | $ 295,000 | $ 67,000 |
| Spartanburg, SC | 1 | $ 235,000 | $ 235,000 | $ 75,000 |
| Terre Haute, IN | 1 | $ 205,000 | $ 205,000 | $ 86,000 |
| The Villages, FL | 1 | $ 345,000 | $ 345,000 | $ 142,000 |
| Tuscaloosa, AL | 1 | $ 205,000 | $ 205,000 | $ 116,000 |
| Warner Robins, GA | 1 | $ 215,000 | $ 215,000 | $ 57,000 |
| Worcester, MA-CT | 1 | $ 375,000 | $ 375,000 | $ 236,000 |
Mortgage Loan Application Detail Totals for University Lending Group, LLC in 2022
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 | 2,422 | $711,850,000 | $293,000 | $1,755,000 | $110,000 | $6,902,000 |
| Refinancing | 236 | $92,480,000 | $391,000 | $9,995,000 | $130,000 | $592,000 |
| Cash-out Refinancing | 138 | $36,190,000 | $262,000 | $755,000 | $117,000 | $650,000 |
| Other Purpose | 35 | $11,335,000 | $323,000 | $1,355,000 | $130,000 | $619,000 |
| Home Improvement | 34 | $10,210,000 | $300,000 | $995,000 | $119,000 | $376,000 |
| 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 | 2,060 | $624,510,000 | $303,000 | $9,995,000 | $116,000 | $6,902,000 |
| Black or African American | 272 | $72,150,000 | $265,000 | $1,355,000 | $93,000 | $618,000 |
| Not Provided | 197 | $64,495,000 | $327,000 | $1,145,000 | $123,000 | $629,000 |
| Hispanic | 177 | $52,585,000 | $297,000 | $1,065,000 | $91,000 | $320,000 |
| Asian | 137 | $40,775,000 | $297,000 | $785,000 | $105,000 | $510,000 |
| American Indian or Alaskan Native | 11 | $3,125,000 | $284,000 | $675,000 | $87,000 | $244,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $2,435,000 | $487,000 | $975,000 | $122,000 | $205,000 |
| Not applicable | 5 | $1,435,000 | $287,000 | $425,000 | $0 | $0 |
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) | 1,853 | $564,425,000 | $304,000 | $9,995,000 | $126,000 | $6,902,000 |
| VA-guaranteed (Veterans Administration) | 511 | $189,275,000 | $370,000 | $1,285,000 | $103,000 | $450,000 |
| FHA-insured (Federal Housing Administration) | 431 | $95,935,000 | $222,000 | $425,000 | $70,000 | $325,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 70 | $12,430,000 | $177,000 | $355,000 | $58,000 | $107,000 |
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 | 2,156 | $637,100,000 | $295,000 | $1,755,000 | $109,000 | $1,835,000 |
| Application Withdrawn By Applicant | 635 | $204,605,000 | $322,000 | $9,995,000 | $126,000 | $6,902,000 |
| Application Denied By Financial Institution | 49 | $13,025,000 | $265,000 | $1,145,000 | $82,000 | $425,000 |
| Application Approved But Not Accepted | 14 | $4,810,000 | $343,000 | $705,000 | $137,000 | $423,000 |
| File Closed For Incompleteness | 6 | $1,090,000 | $181,000 | $365,000 | $59,000 | $87,000 |
| Loan Purchased By The Institution | 5 | $1,435,000 | $287,000 | $425,000 | $0 | $0 |
| 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 | 2,816 | $849,040,000 | $301,000 | $9,995,000 | $112,000 | $6,902,000 |
| Debt-To-Income Ratio | 18 | $4,220,000 | $234,000 | $575,000 | $50,000 | $102,000 |
| Credit History | 10 | $1,980,000 | $198,000 | $325,000 | $71,000 | $131,000 |
| Collateral | 8 | $3,020,000 | $377,000 | $985,000 | $167,000 | $425,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $1,520,000 | $253,000 | $415,000 | $79,000 | $126,000 |
| Employment History | 3 | $535,000 | $178,000 | $265,000 | $42,000 | $49,000 |
| Credit Application Incomplete | 2 | $1,400,000 | $700,000 | $1,145,000 | $161,000 | $254,000 |
| Other | 2 | $350,000 | $175,000 | $215,000 | $69,000 | $97,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into University Lending Group, LLC's 2022 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 Lending Group, LLC'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.
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