Applications / Mortgage Analytics / Lenders / Michigan / Vibe Credit Union
Novi, MI · Credit union · NCUA · $1.4 billion assets · 568 loans in 2025
Vibe Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
568
loans originated, 2025
700
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Vibe Credit Union is a Michigan credit union making mostly small refinance loans, with a larger share to low- and moderate-income (LMI) borrowers than almost any similar credit union, and its volume fell 39% in 2025.
Refinances made up 62.5% of its loans, purchases 17.1%, home improvement 14.3% and other purposes 6.2%. Its typical loan was $75,000, against $105,000 for similar lenders (credit unions making between half and twice as many loans), among the lowest tenth. All its loans were conventional.
42.9% of its loans went to LMI borrowers, against 27.0% for peers, higher than nearly all of them, and 20.9% were in LMI tracts, against 15.1%. 16.9% were in majority-minority tracts, against 10.5%. All three shares are higher than five years earlier.
Originations fell to 568 from 935, while the typical peer grew 6% and the whole market 10%; no similar lender fell further. Its volume has swung widely, from 1,125 in 2021 to 630 in 2022 and back to 935 in 2024. A lender this weighted to refinances can see large swings as borrowers' demand to refinance changes; the data here do not show the cause.
Its largest markets are Detroit-Warren-Dearborn and non-metro Michigan, where it has lent since before 1990 and since 1992. In Flint it ranks 83 of 285 lenders with 0.2% of the dollars, up from 0.1%, and its share also rose in Niles. It turned down 19.0% of first-lien refinance applications on owner-occupied homes, near peers' 20.0%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Vibe Credit Union took 700 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 62.5% · Purchase 17.1% · Home improvement 14.3% · Other 6.2%
Conventional 100.0% · of 568 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 | 563 | 99.1% |
| Arizona | 1 | 0.2% |
| Indiana | 1 | 0.2% |
| North Carolina | 1 | 0.2% |
| Ohio | 1 | 0.2% |
| West Virginia | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Warren-Troy-Farmington Hills | 405 |
| Detroit-Dearborn-Livonia | 98 |
| Flint | 23 |
| Ann Arbor | 6 |
| Monroe | 2 |
| Niles | 2 |
| Bay City | 1 |
| Cleveland | 1 |
| Grand Rapids-Wyoming-Kentwood | 1 |
| Lake County-Porter County-Jasper County | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493001XRDEGNB7US825 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1012998 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 561522 | 1995–2017 |
Established 1 January 1953. Reported under HMDA 1995-2025.
Mergers, name changes, data editions and corrections: Vibe Credit Union's data.
Vibe Credit Union's data
$215
Vibe 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.
Buy Vibe Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
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.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]