Second in Battle Creek
In Battle Creek its share rose from 5.5% to 6.1%, ranking it 2 of 209 lenders. Only Rocket Mortgage lends more there. Elsewhere its shares are small.
Applications / Mortgage Analytics / Lenders / Michigan / Marshall Community Credit Union
Marshall Community Credit Union
Marshall, MI · Credit union · NCUA · $361 million assets · 324 loans in 2025
Marshall Community Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
324
loans originated, 2025
344
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Marshall Community Credit Union is the second-biggest mortgage lender in Battle Creek, a market it has served since at least 1990, and its lending grew 21% in 2025.
A refinance lender
Refinances made up 71.6% of its loans, and home purchases the rest. Its denial rate on refinance applications was 1.5%, against 20.9% at similar lenders (credit unions making between half and twice as many loans), lower than at about nineteen in twenty of them.
Growing again
Originations rose 21% to 324, while similar lenders grew 6%. That is far below the 848 loans of 2020; since 2022 its count has ranged between 267 and 353.
More low-income borrowers
Low- and moderate-income (LMI) borrowers took 37.1% of its loans, against 27.5% at similar lenders, more than at about four in five of them. LMI neighborhoods took 13.3%, below peers' 15.8%, which the areas it serves around Battle Creek may account for.
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
324 loans in 2025, against a peak of 848 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Marshall Community Credit Union took 344 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
71.6% of its 2025 loans were refinance loans; all were conventional loans.
Refinance 71.6% · Purchase 28.4%
Conventional 100.0% · of 324 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
1 state, 8 metros, 20 counties
| State | Loans | Share |
|---|---|---|
| Michigan | 324 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Battle Creek | 220 |
| Grand Rapids-Wyoming-Kentwood | 14 |
| Jackson | 13 |
| Lansing-East Lansing | 13 |
| Kalamazoo-Portage | 8 |
| Niles | 2 |
| Flint | 1 |
| Warren-Troy-Farmington Hills | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493004R1ELTGT9LUL33 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 892894 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 562160 | 1990–2017 |
Established 1 January 1951. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Marshall Community Credit Union's data.
The data and the software behind these pages
Marshall Community Credit Union's data
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