Applications / Mortgage Analytics / Lenders / Michigan / United Federal Credit Union
Saint Joseph, MI · Credit union · NCUA · $4.2 billion assets · 3,216 loans in 2025
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3,216
loans originated, 2025
5,344
applications, 2025
34
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
United Federal Credit Union is a Michigan credit union with markets as far apart as Reno and Asheville that makes more government-backed and manufactured-home loans than similar credit unions and grew slightly faster than them in 2025.
Similar lenders are credit unions making between half and twice as many loans. FHA loans (insured by the Federal Housing Administration) were 3.5% of its lending against 0.0%, higher than about nineteen in twenty similar lenders, and RHS loans (guaranteed by the Department of Agriculture's Rural Housing Service) 0.4%. Manufactured homes were 4.4% against 0.5%, higher than about nine in ten.
Higher-priced loans (a rate well above the average for similar loans) were 5.9% against 1.3%, down from 10.1% five years before. Its manufactured-home and FHA loans, 7.9% of its lending where peers made almost none, could account for most of that; its typical rate was near the middle.
Originations rose 11% to 3,216, against 9% for similar lenders and 10% for the whole market. LMI (low- and moderate-income) areas took 17.3% of its loans against 14.7%, higher than about three in four, while its LMI-borrower share was near the middle.
It ranks 11 of 325 in Reno, where its share held at 2.0%, and 16 of 465 in Fayetteville-Springdale-Rogers, where it rose to 0.8% from 0.6%. In Asheville, entered in 2002, its share fell to 1.6% from 3.0%; competitors' growth or a shift in its own lending could explain that.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. United Federal Credit Union took 5,344 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 38.2% · Home improvement 23.8% · Refinance 22.2% · Other 15.8%
Conventional 95.5% · FHA 3.5% · VA 0.6% · USDA (RHS or FSA) 0.4% · of 3,216 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Michigan | 1,072 | 33.3% |
| Nevada | 550 | 17.1% |
| Arkansas | 477 | 14.8% |
| North Carolina | 475 | 14.8% |
| Indiana | 211 | 6.6% |
| Ohio | 161 | 5.0% |
| Oklahoma | 59 | 1.8% |
| Pennsylvania | 58 | 1.8% |
| South Carolina | 25 | 0.8% |
| Florida | 20 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Niles | 683 |
| Reno | 428 |
| Asheville | 284 |
| Fayetteville-Springdale-Rogers | 256 |
| South Bend-Mishawaka | 211 |
| Fort Smith | 207 |
| Grand Rapids-Wyoming-Kentwood | 153 |
| Charlotte-Concord-Gastonia | 79 |
| Carson City | 44 |
| Allentown-Bethlehem-Easton | 40 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300PKEQ3Q9S0IXW76 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 907882 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 56288 | 1991–2017 |
Established 1 January 1949. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: United Federal Credit Union's data.
United Federal Credit Union's data
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United Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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