Lender profile · HMDA 2023–2025
United Bay Community mortgage approval rates & lending data
United Bay Community decided 317 mortgage applications and funded 292 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 98% | 123 / 126 | 98% | $135K | 120 |
| Home improvement loans | 89% | 80 / 90 | 100% | $45K | 80 |
| Cash-out refinance | 94% | 63 / 67 | 98% | $65K | 62 |
United Bay Community lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Michigan | 93% | $65K | 317 | 292 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.