Applications / Mortgage Analytics / Lenders / Michigan / Consumers Credit Union
Kalamazoo, MI · Credit union · NCUA · $2.7 billion assets · 2,943 loans in 2025
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2,943
loans originated, 2025
3,936
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Consumers Credit Union is the largest mortgage lender in Kalamazoo-Portage, lending almost wholly for purchase and refinance, and it grew 11% in 2025, a little faster than the typical similar credit union.
It ranks 1 of 281 lenders in Kalamazoo-Portage, where it has lent since before 1990, with a 12.7% share, down 0.3 points from 13.0%; Lake Michigan Credit Union is second with $148.1M. In Grand Rapids it ranks 7 of 436, with a 2.5% share, unchanged.
Refinancing made up 53.5% of its loans and purchases 43.2%, with home improvement at 3.3%. Among similar lenders (credit unions making between half and twice as many loans), its typical loan of $165,000 was higher than about four in five; the typical peer lent $105,000.
Its typical rate, 6.38%, was lower than about four in five peers. It turned down 1.7% of first-lien home-purchase applications on owner-occupied homes, among the lowest tenth, and 9.9% of first-lien refinance applications, against 18.6% for the typical peer.
Majority-minority areas took 4.4% of its loans, against 10.7% for the typical peer, which may reflect its markets, led by Grand Rapids and Kalamazoo-Portage. Its shares to LMI (low- and moderate-income) borrowers, 27.9%, and LMI areas, 14.7%, were near the middle.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Consumers Credit Union took 3,936 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 53.5% · Purchase 43.2% · Home improvement 3.3%
Conventional 100.0% · of 2,943 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 | 2,929 | 99.5% |
| Indiana | 14 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kalamazoo-Portage | 873 |
| Grand Rapids-Wyoming-Kentwood | 859 |
| Lansing-East Lansing | 114 |
| Muskegon-Norton Shores | 111 |
| Battle Creek | 105 |
| Warren-Troy-Farmington Hills | 93 |
| Detroit-Dearborn-Livonia | 28 |
| Niles | 25 |
| Flint | 20 |
| South Bend-Mishawaka | 20 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GSYIBSO9N4PB10 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 186098 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 562172 | 1990–2017 |
Established 1 January 1964. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Consumers Credit Union's data.
Consumers Credit Union's data
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Consumers 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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