Applications / Mortgage Analytics / Lenders / Michigan / Highpoint Community Bank
Hastings, MI · State non-member bank · FDIC · $590 million assets · 96 loans in 2025
Highpoint Community Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
96
loans originated, 2025
102
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Highpoint Community Bank, a Michigan bank that has filed since at least 1990, grew its home lending by 22% in 2025, faster than most similar banks, after four years of decline.
It made 96 loans in 2025, up from 79 the year before. Similar lenders, state non-member banks making between half and twice as many loans, grew by 9%, and the whole market by 10%; Highpoint grew faster than more than two-thirds of them. The rise follows a fall from 300 loans in 2020, and lending is still well below that peak.
Low- and moderate-income (LMI) borrowers took 38.6% of its loans, against 27.3% at similar lenders, a higher share than at about four in five of them. In 2020 that share was 15.2%. Its share of loans in poorer neighborhoods has also risen, from 6.3% to 11.5% in a year, though it remains below the 18.3% of similar lenders. A footprint of 11 counties in one state may simply hold fewer such neighborhoods.
Every loan it made was conventional, with none backed by a government agency. Home purchases were 42.7% of its lending and refinances 34.4%; home-improvement and other loans made up the rest. Its typical loan, $195,000, was a little larger than the $175,000 of similar lenders.
Its largest market is Grand Rapids-Wyoming-Kentwood, MI, where Lake Michigan Credit Union leads. Highpoint ranks 66 of 436 lenders there, with 0.2% of lending, a share that did not change in 2025.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Highpoint Community Bank took 102 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 42.7% · Refinance 34.4% · Other 15.6% · Home improvement 7.3%
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 |
|---|---|
| Grand Rapids-Wyoming-Kentwood | 76 |
| Kalamazoo-Portage | 4 |
| Lansing-East Lansing | 4 |
| Battle Creek | 3 |
| Jackson | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900VOHINLR793U293 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 750341 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 311407 | 1990–2017 |
Established 1 January 1886. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Highpoint Community Bank's data.
Highpoint Community Bank's data
$215
Highpoint Community 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.
Buy Highpoint Community Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]