Applications / Mortgage Analytics / Lenders / Michigan / Community Financial
Plymouth, MI · Credit union · NCUA · $1.5 billion assets · 1,201 loans in 2025
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1,201
loans originated, 2025
1,752
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Community Financial is a Michigan credit union whose lending is mostly other-purpose and home improvement loans, all of it in Michigan, and its originations rose 12% in 2025.
Other-purpose loans were 31.1% of its originations and home improvement loans 29.8%; refinances were 23.4% and home purchases 15.7%. Its typical loan, $105,000, matched similar lenders (credit unions making between half and twice as many loans), and none was jumbo (larger than the conforming limit).
It lends in one state. It ranked 44 of 606 lenders in non-metro Michigan and 56 of 310 in Ann Arbor, where its share held at 0.3%; it has lent in both since before 1990.
LMI (low- and moderate-income) borrowers took 30.1% of its loans, up from 18.3% five years before and higher than about two-thirds of similar lenders (27.5%). Majority-minority areas took 7.8%, up from 2.0% five years before, against 10.2% at peers, a lower share that may reflect the parts of Michigan where it lends.
Originations rose 12% to 1,201, against 9% at peers and 10% for the whole market, though the count is about half the 2,360 of 2020. Its purchase denial rate was 5.5%, against 6.2% at peers, and its refinance rate 22.6%, against 20.6%, near the middle of them.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Community Financial took 1,752 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 31.1% · Home improvement 29.8% · Refinance 23.4% · Purchase 15.7%
Conventional 100.0% · of 1,201 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 | 1,201 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Detroit-Dearborn-Livonia | 486 |
| Warren-Troy-Farmington Hills | 268 |
| Ann Arbor | 45 |
| Monroe | 12 |
| Lansing-East Lansing | 9 |
| Grand Rapids-Wyoming-Kentwood | 7 |
| Jackson | 7 |
| Traverse City | 6 |
| Flint | 5 |
| Saginaw | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493007XQ4LU452LQJ67 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 607388 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 57275 | 1990–2013 |
| Respondent ID (the HMDA filer code before 2018) | 568631 | 2014–2017 |
Established 1 January 1951. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Community Financial's data.
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