Applications / Mortgage Analytics / Lenders / Michigan / Michigan United Credit Union
Auburn Hills, MI · Credit union · NCUA · $336 million assets · 215 loans in 2025
Michigan United Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
215
loans originated, 2025
328
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Michigan United Credit Union nearly doubled its lending in 2025, to 215 loans, growing faster than about nine in ten similar credit unions.
Its loans rose 87%, from 115, while similar credit unions (credit unions making between half and twice as many loans) grew 7%. For the three years before, it had made between 115 and 120 loans a year. Its mergers in 2020 and 2021 came too early to explain the jump.
Refinances were 57.2% of its loans and home improvement 37.7%; purchases were only 5.1%. Its typical loan, $65,000, is smaller than at more than nine in ten similar credit unions, whose typical loan is $105,000.
Low- and moderate-income (LMI) borrowers took 31.6% of its loans, against 27.7% at similar credit unions. Smaller shares went to LMI neighborhoods, 13.5% against 16.5%, and to majority-minority neighborhoods, 5.1% against 11.3%. The markets it serves and where its members live are possible reasons.
It ranks 309th of 436 lenders in Grand Rapids-Wyoming-Kentwood and 226th of 333 in Lansing-East Lansing, with shares too small to register. Lake Michigan Credit Union leads Grand Rapids and The Dart Bank leads Lansing. In 2025 it made its first loans in Kalamazoo-Portage.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Michigan United Credit Union took 328 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 57.2% · Home improvement 37.7% · Purchase 5.1%
Conventional 100.0% · of 215 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 | 215 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Warren-Troy-Farmington Hills | 172 |
| Detroit-Dearborn-Livonia | 11 |
| Grand Rapids-Wyoming-Kentwood | 8 |
| Lansing-East Lansing | 4 |
| Ann Arbor | 3 |
| Flint | 2 |
| Jackson | 1 |
| Kalamazoo-Portage | 1 |
| Midland | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930005S5CFTGC2VR75 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 35495 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 561698 | 1999–2017 |
Established 1 January 1931. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: Michigan United Credit Union's data.
Michigan United Credit Union's data
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Michigan United 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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