United Bay Community Credit Union
United Bay Community Credit Union received 226 applications in 2025 and made 192 mortgages, in 20 counties across 1 state. The median rate its borrowers got was 7.000% on a median loan of $75,000. Of 209 decisions, 15 were denials — 7.2%, most often for debt-to-income ratio.
| Legal Entity Identifier | 25490029YJHFABABT680 |
|---|---|
| Applications received | 226 |
| Mortgages made | 192 |
| Denied | 15 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 17 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.86 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 61 | 6.875% | $165,000 | 1.6% |
| Refinancing | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Cash-out refinancing | 31 | 7.125% | $65,000 | 3.1% |
| Other purposes | 95 | 7.125% | $55,000 | 10.3% |
Where United Bay Community Credit Union lends most
The 20 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Bay County, MI | 122 | 7.000% | 8.2% |
| Saginaw County, MI | 11 | 6.875% | 0.0% |
| Kalamazoo County, MI | 10 | 6.813% | 9.1% |
| Van Buren County, MI | 9 | Under 10 loans | 0.0% |
| Arenac County, MI | 8 | Under 10 loans | 0.0% |
| Midland County, MI | 8 | Under 10 loans | 11.1% |
| Gladwin County, MI | 6 | Under 10 loans | 0.0% |
| Ogemaw County, MI | 3 | Under 10 loans | 0.0% |
| Tuscola County, MI | 3 | Under 10 loans | 0.0% |
| Allegan County, MI | 2 | Under 10 loans | 0.0% |
| Clare County, MI | 2 | Under 10 loans | 0.0% |
| Calhoun County, MI | 1 | Under 10 loans | 50.0% |
| Clinton County, MI | 1 | Under 10 loans | 0.0% |
| Genesee County, MI | 1 | Under 10 loans | 0.0% |
| Iosco County, MI | 1 | Under 10 loans | 0.0% |
| Mecosta County, MI | 1 | Under 10 loans | 0.0% |
| Oakland County, MI | 1 | Under 10 loans | 0.0% |
| Oceana County, MI | 1 | Under 10 loans | 0.0% |
| Roscommon County, MI | 1 | Under 10 loans | 0.0% |
| Huron County, MI | 0 | Under 10 loans | 100.0% |
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When United Bay Community Credit Union’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.