Lender profile · HMDA 2023–2025
University Bank mortgage approval rates & lending data
University Bank decided 5,197 mortgage applications and funded 4,984 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% | 3,725 / 3,803 | 100% | $275K | 3,714 |
| Home improvement loans | 85% | 115 / 136 | 97% | $85K | 112 |
| Cash-out refinance | 88% | 76 / 86 | 97% | $305K | 74 |
| Refinance | 94% | 727 / 776 | 98% | $405K | 714 |
| Investment property purchase | 96% | 261 / 271 | 100% | $265K | 260 |
| Investment refinance | 92% | 99 / 108 | 98% | $305K | 97 |
University Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 97% | $335K | 2,468 | 2,379 |
| Michigan | 97% | $275K | 1,257 | 1,215 |
| Indiana | 99% | $285K | 478 | 472 |
| California | 92% | $465K | 167 | 152 |
| Tennessee | 98% | $565K | 128 | 122 |
| North Carolina | 91% | $405K | 77 | 70 |
| Georgia | 92% | $375K | 71 | 64 |
| South Carolina | 91% | $645K | 69 | 63 |
| Arizona | 96% | $475K | 45 | 43 |
| Alabama | 98% | $265K | 44 | 43 |
| Illinois | 89% | $305K | 37 | 33 |
| Pennsylvania | 97% | $305K | 35 | 34 |
| Utah | 97% | $425K | 35 | 34 |
| Texas | 87% | $195K | 31 | 26 |
| Maryland | 87% | $325K | 30 | 25 |
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.