Applications / Mortgage Analytics / Lenders / Michigan / Monroe Community Credit Union
Monroe, MI · Credit union · NCUA · $393 million assets · 180 loans in 2025
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180
loans originated, 2025
217
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Monroe Community Credit Union is above all a home-improvement lender: 70.6% of its loans paid for work on homes their owners already had.
Its typical loan was $55,000, smaller than at nearly all similar lenders (credit unions making between half and twice as many loans), whose typical loan was $105,000. That follows from what it lends for. Refinancing made up 17.8% of its loans and purchases only 11.7%.
It has lent in Monroe, MI since at least 1990 and ranks 13 of 225 lenders there by dollars. Its share slipped from 1.7% to 1.6%, behind Rocket Mortgage and American Financial Network. Small loans count for little in a ranking by dollars, so a lender like this one may matter more to local borrowers than its share suggests.
Low- and moderate-income (LMI) borrowers took 37.8% of its loans, against 28.0% at similar lenders, a higher share than at about three in four of them. Its share in poorer neighborhoods was lower, 12.2% against 17.2%. That may reflect where its members live.
Its loans rose 11%, to 180, against 7% at similar lenders and 10% for the whole market. It made 211 loans five years earlier.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Monroe Community Credit Union took 217 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 70.6% · Refinance 17.8% · Purchase 11.7%
Conventional 100.0% · of 180 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 | 174 | 96.7% |
| Ohio | 6 | 3.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Monroe | 164 |
| Toledo | 6 |
| Detroit-Dearborn-Livonia | 5 |
| Warren-Troy-Farmington Hills | 2 |
| Grand Rapids-Wyoming-Kentwood | 1 |
| Jackson | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300UNNQFHOGHIFO55 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 38094 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 561748 | 1990–2017 |
Established 1 January 1954. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Monroe Community Credit Union's data.
Monroe Community Credit Union's data
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Monroe Community 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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