Union Bank
Union Bank received 71 applications in 2025 and made 44 mortgages, in 18 counties across 2 states. The median rate its borrowers got was 6.750% on a median loan of $200,000. Of 62 decisions, 12 were denials — 19.4%, most often for debt-to-income ratio. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 2549003KE4TBG4N5AY60 |
|---|---|
| Applications received | 71 |
| Mortgages made | 44 |
| Denied | 12 |
| Approved, not taken up | 6 |
| Withdrawn or incomplete | 9 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.1365 points |
| FDIC-insured bank | Yes: Union Bank, 3 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 23 | 6.750% | $235,000 | 25.0% |
| Refinancing | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Other purposes | 4 | Under 10 loans | Under 10 loans | 0.0% |
Where Union Bank lends most
The 18 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Kent County, MI | 11 | 6.490% | 8.3% |
| Clinton County, MI | 8 | Under 10 loans | 0.0% |
| Ionia County, MI | 6 | Under 10 loans | 22.2% |
| Barry County, MI | 5 | Under 10 loans | 30.0% |
| Eaton County, MI | 2 | Under 10 loans | 40.0% |
| Wayne County, MI | 2 | Under 10 loans | 0.0% |
| Allegan County, MI | 1 | Under 10 loans | 0.0% |
| Bay County, MI | 1 | Under 10 loans | 0.0% |
| Gratiot County, MI | 1 | Under 10 loans | 0.0% |
| Ingham County, MI | 1 | Under 10 loans | 0.0% |
| Lake County, MI | 1 | Under 10 loans | 0.0% |
| Muskegon County, MI | 1 | Under 10 loans | 0.0% |
| Newaygo County, MI | 1 | Under 10 loans | 50.0% |
| Oceana County, MI | 1 | Under 10 loans | 0.0% |
| St. Joseph County, MI | 1 | Under 10 loans | 0.0% |
| Belknap County, NH | 1 | Under 10 loans | 0.0% |
| Manistee County, MI | 0 | Under 10 loans | 100.0% |
| Ottawa County, MI | 0 | Under 10 loans | 100.0% |
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When Union Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.