Applications / Mortgage Analytics / Lenders / Michigan / TRUE Community Credit Union
Jackson, MI · Credit union · NCUA · $933 million assets · 515 loans in 2025
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515
loans originated, 2025
712
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
TRUE Community Credit Union is a Michigan credit union whose lending is mostly home-improvement and other-purpose loans, and whose originations grew faster than most similar credit unions in 2025.
Other purposes made up 48.2% of its loans and home improvement 34.8%; purchases were 9.7% and refinances 7.4%. That mix fits its typical loan of $65,000, against $105,000 for similar lenders (credit unions making between half and twice as many loans), among the lowest of them. All its loans were conventional. Its filings carry no interest rates, so price cannot be compared.
Originations rose 25% to 515, while the typical peer grew 6% and the whole market 10%, higher than about four in five peers. One possibility is its 2024 merger with Parkside Credit Union. Its loans have risen from 304 in 2018, with dips in 2021 and 2023.
18.2% of its loans were in low- and moderate-income (LMI) tracts, against 15.1% for peers, higher than about seven in ten of them, and up from 11.2% five years earlier. 30.2% went to LMI borrowers, against 27.3%, a little above the middle of the group.
Jackson, MI is its largest market, where it has lent since before 1990. Elsewhere its shares are small: in Lansing-East Lansing it ranks 72 of 333 with 0.2% of the dollars, up from 0.1%, in a market led by The Dart Bank.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. TRUE Community Credit Union took 712 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 48.2% · Home improvement 34.8% · Purchase 9.7% · Refinance 7.4%
Conventional 100.0% · of 515 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 | 511 | 99.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Jackson | 301 |
| Detroit-Dearborn-Livonia | 70 |
| Lansing-East Lansing | 28 |
| Warren-Troy-Farmington Hills | 24 |
| Ann Arbor | 23 |
| Battle Creek | 12 |
| Monroe | 7 |
| Flint | 3 |
| Kalamazoo-Portage | 3 |
| Niles | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300VFL91481SLWI91 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 263681 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 58667 | 1990–2017 |
Established 1 January 1953. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: TRUE Community Credit Union's data.
TRUE Community Credit Union's data
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TRUE Community 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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