Applications / Mortgage Analytics / Lenders / Michigan / Intandem Credit Union
Grand Rapids, MI · Credit union · NCUA · $71.7 million assets · 44 loans in 2025
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44
loans originated, 2025
68
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Intandem Credit Union is a small Grand Rapids lender that refinances and improves homes people already own, and its lending has fallen to 44 loans from 157 in 2020.
Refinances made up 52.3% of its loans, home improvement 25.0% and other purposes 20.5%. Purchases were just 2.3%. Its typical loan was $75,000, smaller than at about seven in ten similar lenders, credit unions making between half and twice as many loans, whose typical loan was $92,500. All of its loans were conventional.
Its loans fell 24% in 2025, while similar lenders grew 4% and the whole market 10%. In 2020 its typical rate was 3.12%; now it is 6.74%. A lender that leans on refinancing tends to lend less when rates are higher, though the figures cannot say how much of the fall that explains.
Some 43.2% of its borrowers had low or moderate incomes (LMI), more than at about four in five similar lenders, where the typical figure was 31.2%. Its share of loans in poorer neighborhoods, 18.2%, was near the middle. On 44 loans, a few borrowers either way move these shares.
It has lent in Grand Rapids since 1994 and ranks 161 of 436 lenders there. Its share slipped to 0.0% from 0.1%, a change small enough for a handful of loans to explain. Lake Michigan Credit Union leads the market.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Intandem Credit Union took 68 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 52.3% · Home improvement 25.0% · Other 20.5% · Purchase 2.3%
Conventional 100.0% · of 44 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 | 44 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Grand Rapids-Wyoming-Kentwood | 39 |
| Muskegon-Norton Shores | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SJPU5FBHX6JQ61 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 190693 | 2018–2023 |
| Respondent ID (the HMDA filer code before 2018) | 562249 | 1994–1995 |
Established 1 January 1956. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Intandem Credit Union's data.
Intandem Credit Union's data
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Intandem 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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