Applications / Mortgage Analytics / Lenders / Michigan / 4Front Credit Union
Traverse City, MI · Credit union · NCUA · 600 loans in 2025
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600
loans originated, 2025
1,021
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
4Front Credit Union, a Michigan credit union first reported in 2024, lends mainly for home improvement and other purposes, and its 600 loans in 2025 were 20% more than in 2024, faster than most similar lenders.
Home improvement made up 30.8% of its loans and other purposes 27.3%; purchases were 21.0% and refinances 20.8%. Manufactured homes were 12.3% of its loans, against 0.3% at similar lenders (credit unions making between half and twice as many loans), among the highest of them. All of its lending was conventional.
Originations rose 20%, from 502 to 600, against 6% at similar lenders and 10% for the whole market, higher than about three in four peers. Dollar volume rose from $61.0 million to $80.5 million, and its typical loan, $100,000, was close to peers' $105,000. With only two years of reports, it is too early to call this a trend.
LMI (low- and moderate-income) borrowers took 38.6% of its loans, against 27.0% at similar lenders, higher than about nine in ten of them. Its share in LMI areas was lower, 10.4% against 15.1%; the two measures can differ because many LMI borrowers live outside LMI areas. Its refinance denial rate, 10.1%, was about half peers' 20.3%.
In Traverse City, MI it ranked 15 of 274 lenders with 1.8% of the market, against 1.9% in 2024. It also ranked 32 of 606 in non-metro Michigan, and all its lending is in Michigan, across 34 counties.
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, 2024–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 4Front Credit Union took 1,021 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 30.8% · Other 27.3% · Purchase 21.0% · Refinance 20.8%
Conventional 100.0% · of 600 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 | 600 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Traverse City | 185 |
| Grand Rapids-Wyoming-Kentwood | 11 |
| Muskegon-Norton Shores | 4 |
| Warren-Troy-Farmington Hills | 3 |
| Flint | 1 |
| Midland | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900REWJG6071ZPT32 | 2024–2025 |
Established 1 January 1954. Reported under HMDA 2024-2025.
Mergers, name changes, data editions and corrections: 4Front Credit Union's data.
4Front Credit Union's data
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4Front 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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