Applications / Mortgage Analytics / Lenders / Michigan / Dearborn Federal Savings Bank
Dearborn, MI · Savings institution · OCC · $289 million assets · 83 loans in 2025
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83
loans originated, 2025
108
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Dearborn Federal Savings Bank made slightly fewer loans in 2025 but began buying them from other lenders, 34 in all.
It made 83 loans, down 6% from 88, while similar lenders (savings institutions making between half and twice as many loans) grew 6%. It made 217 in 2021. The $18.7 million it lent was less than about three-quarters of peers lent. Demand in its markets may have fallen, or it may have chosen to buy loans rather than make them.
It bought 34 loans from other lenders in 2025, after none in 2024 or 2020. Most similar lenders bought none, and nearly all bought fewer. Bought loans are counted apart from the 83 it made.
Its typical rate was 6.38%, against 6.50% at peers, lower than about nine in ten of them. None of its loans was higher-priced (a rate well above the average for similar loans). All were conventional.
Majority-minority areas took 9.6% of its loans, against 6.7% at peers, up from 4.5%. Low- and moderate-income (LMI) borrowers took 15.7%, against 25.4%, and poorer neighborhoods 8.5%, against 17.6%. Both were lower than more than four in five peers'. That may reflect the customers and places it serves. It has lent in Detroit since at least 1990.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Dearborn Federal Savings Bank took 108 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 56.6% · Refinance 27.7% · Other 15.7%
Conventional 100.0% · of 83 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 | 83 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Detroit-Dearborn-Livonia | 51 |
| Warren-Troy-Farmington Hills | 21 |
| Jackson | 4 |
| Monroe | 3 |
| Grand Rapids-Wyoming-Kentwood | 1 |
| Traverse City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900WTWK93MSDEBV13 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1005075 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 44241 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1704241 | 2011–2017 |
Established 1 January 1936. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Dearborn Federal Savings Bank's data.
Dearborn Federal Savings Bank's data
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Dearborn Federal Savings Bank 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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