Applications / Mortgage Analytics / Lenders / Michigan / Dort Financial Credit Union
Grand Blanc, MI · Credit union · NCUA · $2.3 billion assets · 859 loans in 2025
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859
loans originated, 2025
1,447
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Dort Financial Credit Union is a Flint-area credit union focused on home-improvement and other-purpose loans, ranking seventh in Flint and lending to more low- and moderate-income borrowers than most similar lenders.
Originations rose 5% to 859, against 8% for the typical similar lender (credit unions making between half and twice as many loans) and 10% for the whole market. Home improvement makes up 37.1% of its loans, other purposes 27.4%, purchases 23.9% and refinances 11.6%; its typical loan, $95,000, is below the $105,000 of similar lenders.
It ranks 7 of 285 in Flint, its largest market, but its share fell to 3.3% from 3.9% while its own originations rose. Faster growth by other lenders there is one possible reason; United Wholesale Mortgage and Rocket Mortgage lead the market. It also lends in Florida, ranking 262 of 937 in Miami-Fort Lauderdale-West Palm Beach.
Low- and moderate-income (LMI) borrowers took 33.0% of its loans, against 27.6% at similar lenders, higher than about three-quarters of them, and up from 31.0% five years before. Its share in LMI tracts, 16.8%, is close to similar lenders' 15.0%.
Its typical rate was 6.25%, against 7.00% at similar lenders, lower than most of them. Its denial rate on first-lien refinance applications for owner-occupied homes, 16.8%, is lower than similar lenders' 20.5%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Dort Financial Credit Union took 1,447 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 37.1% · Other 27.4% · Purchase 23.9% · Refinance 11.6%
Conventional 97.8% · FHA 2.1% · USDA (RHS or FSA) 0.1% · of 859 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 | 801 | 93.2% |
| Florida | 58 | 6.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Flint | 498 |
| Warren-Troy-Farmington Hills | 179 |
| West Palm Beach-Boca Raton-Delray Beach | 43 |
| Saginaw | 22 |
| Lansing-East Lansing | 9 |
| Fort Lauderdale-Pompano Beach-Sunrise | 8 |
| Grand Rapids-Wyoming-Kentwood | 6 |
| Detroit-Dearborn-Livonia | 5 |
| Ann Arbor | 4 |
| Bay City | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900WQ6O9JA8WI5W89 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 218887 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 57569 | 1993–2017 |
Established 1 January 1951. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: Dort Financial Credit Union's data.
Dort Financial Credit Union's data
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Dort Financial 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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