Applications / Mortgage Analytics / Lenders / Michigan / Community Choice Credit Union
Farmington Hills, MI · Credit union · NCUA · $2.0 billion assets · 814 loans in 2025
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814
loans originated, 2025
1,569
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Community Choice Credit Union is a Michigan credit union whose lending is mostly other-purpose and home-improvement loans, with the smallest typical loan among similar lenders.
Other-purpose loans were 46.2% of its originations, home improvement 40.0% and refinances 13.8%; home purchases do not appear in its mix. Its typical loan was $55,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans), the smallest among them.
Originations rose 1% to 814, while similar lenders rose 8% and the whole market 10%. Against five years before, when it made 583 loans, it is well up. It has absorbed several credit unions since 1999, the latest in 2021, and those mergers may be part of the longer rise.
LMI (low- and moderate-income) borrowers took 34.4% of its loans, against 27.5% at similar lenders, higher than about four in five, and up from 27.1% five years before. Its shares in LMI areas, 14.9%, and majority-minority areas, 11.1%, are near the middle of similar lenders.
It lent in 31 metros across 3 states, with Michigan its main state. In 2025 it first lent in Jacksonville, Columbus and Tampa-St. Petersburg-Clearwater, where its amounts are still very small.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Choice Credit Union took 1,569 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 46.2% · Home improvement 40.0% · Refinance 13.8%
Conventional 100.0% · of 814 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 | 786 | 96.6% |
| Florida | 16 | 2.0% |
| Ohio | 12 | 1.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Warren-Troy-Farmington Hills | 300 |
| Detroit-Dearborn-Livonia | 270 |
| Jackson | 63 |
| Muskegon-Norton Shores | 39 |
| Grand Rapids-Wyoming-Kentwood | 19 |
| Flint | 10 |
| Ann Arbor | 6 |
| Cleveland | 4 |
| Lansing-East Lansing | 4 |
| Columbus | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300R0SQ8LYM3HBY12 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1008991 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 564880 | 1990–2017 |
Established 1 January 1935. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Community Choice Credit Union's data.
Community Choice Credit Union's data
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Community Choice 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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