Applications / Mortgage Analytics / Lenders / Michigan / Diversified Members Credit Union
Detroit, MI · Credit union · NCUA · $581 million assets · 96 loans in 2025
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96
loans originated, 2025
189
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Diversified Members Credit Union made 45% more loans in 2025, most of them refinances and home-improvement loans in the Detroit area.
Its loans rose from 66 to 96, against 8% at similar lenders (credit unions making between half and twice as many loans) and 10% for the whole market, faster than more than four in five peers. It filed no report for 2018 to 2021, a gap in the record, and made 133 loans in 2022. Refinances made up 66.7% of its loans and home improvement 33.3%.
Its typical loan was $60,000, against $95,000 at peers, and it made no purchase loans. Its total, $6.8 million, was lower than at more than four in five peers. All its loans were conventional.
Majority-minority areas took 37.5% of its loans, against 9.1% at peers, more than at about four in five of them. Poorer neighborhoods (low- and moderate-income, or LMI, tracts) took 22.9%, against 17.2%. LMI borrowers took 38.5%, against 30.1%, up from 26.2% in 2024. One possible reason is that much of its lending is in the Detroit area.
It has lent in Detroit-Warren-Dearborn since at least 1990. United Wholesale Mortgage and Rocket Mortgage led there. It added Ann Arbor and Flint in 2022, where its share is small.
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, 2022–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Diversified Members Credit Union took 189 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 66.7% · Home improvement 33.3%
Conventional 100.0% · of 96 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 | 96 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Detroit-Dearborn-Livonia | 49 |
| Warren-Troy-Farmington Hills | 44 |
| Ann Arbor | 2 |
| Flint | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XMFRSH4KYAO758 | 2022–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 841397 | 2014–2023 |
| Respondent ID (the HMDA filer code before 2018) | 562339 | 1998–2017 |
Established 1 January 1929. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: Diversified Members Credit Union's data.
Diversified Members Credit Union's data
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Diversified Members 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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