Applications / Mortgage Analytics / Lenders / Michigan / Grand River Bank
Grandville, MI · State member bank · FRS · $516 million assets · 48 loans in 2025
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48
loans originated, 2025
62
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Grand River Bank, a Michigan home-purchase lender, has shrunk every year since 2020 and made just 48 loans in 2025.
The bank made 577 loans in 2020 and has made fewer every year since. In 2025 its loans fell 47%, from 90 to 48, while similar lenders, state member banks making between half and twice as many loans, grew 6%. That fall was steeper than at nearly all of them. The figures do not say why. A bank may choose to make fewer mortgages and put its money into other lending.
Home purchases made up 70.8% of its loans and refinances the rest; all were conventional. Its typical loan, $275,000, was higher than about seven in ten similar lenders, whose typical loan was $180,000.
Only 6.4% of its loans went to poorer neighborhoods (low- and moderate-income tracts), against 17.7% at the typical similar lender. Its share of lower-income borrowers, 22.2%, was close to the peers' 24.3%. Larger purchase loans may point to buyers in pricier areas, and with 48 loans a few either way move these shares a lot.
In Grand Rapids, its largest market and where it first reported in 2011, its share fell from 0.4% to 0.1%, ranking 85 of 436 lenders, which follows from making about half as many loans. Lake Michigan Credit Union leads that market with $1.62B.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Grand River Bank took 62 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 70.8% · Refinance 29.2%
Conventional 100.0% · of 48 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 | 48 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Grand Rapids-Wyoming-Kentwood | 37 |
| Flint | 1 |
| Muskegon-Norton Shores | 1 |
| Warren-Troy-Farmington Hills | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300L7610D7H3Z5585 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3812147 | 2011–2023 |
| Respondent ID (the HMDA filer code before 2018) | 358789 | 2011–2014 |
| Respondent ID (the HMDA filer code before 2018) | 23812147 | 2015–2017 |
Established 30 April 2009. Reported under HMDA 2011-2025.
Mergers, name changes, data editions and corrections: Grand River Bank's data.
Grand River Bank's data
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Grand River 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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