Applications / Mortgage Analytics / Lenders / Michigan / Vibe Credit Union / Competition
Vibe Credit Union
Novi, MI · Credit union · NCUA · $1.4 billion assets · 568 loans in 2025
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568
loans originated, 2025
700
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Who Vibe Credit Union competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — DETROIT-WARREN-DEARBORN, MI, 2025
Vibe Credit Union ranks 64th of 599 lenders in Detroit-Warren-Dearborn, MI, with $57.3M lent: 0.2% of a $23.68B market.
Detroit-Warren-Dearborn, MI is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Vibe Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 47% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — NON-METRO MICHIGAN, 2025
Vibe Credit Union ranks 208th of 606 lenders in non-metro Michigan, with $3.8M lent: 0.1% of a $7.04B market.
non-metro Michigan is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Vibe Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 38% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — FLINT, MI, 2025
Vibe Credit Union ranks 83rd of 285 lenders in Flint, MI, with $2.8M lent: 0.2% of a $1.61B market.
Flint, MI is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Vibe Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 46% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — ANN ARBOR, MI, 2025
Vibe Credit Union ranks 126th of 310 lenders in Ann Arbor, MI, with $1.6M lent: 0.1% of a $2.38B market.
Ann Arbor, MI is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Vibe Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 48% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — NILES, MI, 2025
Vibe Credit Union ranks 119th of 283 lenders in Niles, MI, with $900K lent: 0.1% of a $941.6M market.
Niles, MI is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Vibe Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 49% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — NON-METRO WEST VIRGINIA, 2025
Vibe Credit Union ranks 252nd of 299 lenders in non-metro West Virginia, with $205K lent: 0.0% of a $1.42B market.
non-metro West Virginia is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Vibe Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 40% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — NON-METRO NORTH CAROLINA, 2025
Vibe Credit Union ranks 701st of 762 lenders in non-metro North Carolina, with $195K lent: 0.0% of a $12.96B market.
non-metro North Carolina is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Vibe Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 36% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — PHOENIX-MESA-CHANDLER, AZ, 2025
Vibe Credit Union ranks 836th of 879 lenders in Phoenix-Mesa-Chandler, AZ, with $215K lent: 0.0% of a $50.70B market.
Phoenix-Mesa-Chandler, AZ is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Vibe Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 34% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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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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