Applications / Mortgage Analytics / Lenders / Michigan / Christian Financial Credit Union
Sterling Heights, MI · Credit union · NCUA · $1.1 billion assets · 250 loans in 2025
Christian Financial Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
250
loans originated, 2025
471
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Christian Financial Credit Union lends people money to fix their homes, and its typical loan of $45,000 is among the smallest at similar credit unions.
Home improvement made up 56.0% of its loans and other purposes 34.0%. Purchases were just 0.4%. Its typical loan was $45,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans). So its 250 loans came to $13.3 million, less than at nearly all of them.
Its loan count rose 27%, to 250 from 197, while similar lenders' rose 5%. Its 2025 merger with CVF CU - Division of Catholic is one possible reason. As recently as 2020 it made 75 loans.
Poorer neighborhoods (low- and moderate-income, or LMI, tracts) took 25.6% of its loans, more than at about nine in ten similar lenders, where the share was 16.1%. LMI borrowers took 38.7%, against 27.7%.
Its typical rate was 6.00%, against 6.79% at similar lenders. Higher-priced loans (a rate well above the average for similar loans) were 0.4% of its lending, against 1.9%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Christian Financial Credit Union took 471 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 56.0% · Other 34.0% · Refinance 9.6% · Purchase 0.4%
Conventional 100.0% · of 250 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 | 250 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Warren-Troy-Farmington Hills | 213 |
| Detroit-Dearborn-Livonia | 31 |
| Ann Arbor | 2 |
| Flint | 1 |
| Lansing-East Lansing | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900PE3F2ADLAJRQ97 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 902999 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 563805 | 1990–2017 |
Established 1 January 1967. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Christian Financial Credit Union's data.
Christian Financial Credit Union's data
$215
Christian 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.
Buy Christian Financial 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]