Applications / Mortgage Analytics / Lenders / Michigan / Michigan One Community Credit Union
Ionia, MI · Credit union · NCUA · $232 million assets · 87 loans in 2025
Michigan One Community Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
87
loans originated, 2025
104
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Michigan One Community Credit Union lends far more to poorer households than most credit unions its size, from a book that has shrunk by about two-thirds since 2021.
Almost half its loans, 49.4%, went to low- and moderate-income (LMI) borrowers, against 30.5% at the typical similar lender, meaning credit unions making between half and twice as many loans. That is higher than more than nine in ten of them. It also made 34.5% of its loans in LMI neighborhoods, twice the peers' 17.2%.
It made 249 loans in 2021 and 87 in 2025. Refinancing is its biggest line, at 44.8% of loans, and its typical rate has risen from 3.38% five years earlier to 7.12%. Costlier money may be one reason fewer members refinance. In 2025 its count slipped 2%, while the whole market grew 10%.
All its lending is in Michigan, across 18 counties. In Grand Rapids-Wyoming-Kentwood, MI, its biggest metro market and one it has served since 2004, it ranked 111 of 436 lenders with 0.1% of the market, the same share as a year before. Lake Michigan Credit Union leads there, with $1.62B of loans.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Michigan One Community Credit Union took 104 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 44.8% · Purchase 23.0% · Other 18.4% · Home improvement 13.8%
Conventional 100.0% · of 87 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 | 87 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Grand Rapids-Wyoming-Kentwood | 62 |
| Flint | 1 |
| Midland | 1 |
| Traverse City | 1 |
| Warren-Troy-Farmington Hills | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300PV90PV65OLDL82 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 201393 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 562169 | 2004–2017 |
Established 1 January 1954. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Michigan One Community Credit Union's data.
Michigan One Community Credit Union's data
$215
Michigan One Community 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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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.
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