Applications / Mortgage Analytics / Lenders / Michigan / Team One Credit Union
Saginaw, MI · Credit union · NCUA · $765 million assets · 108 loans in 2025
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108
loans originated, 2025
172
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Team One Credit Union, a Saginaw lender with many low- and moderate-income borrowers, made 108 loans in 2025, less than half as many as the year before.
Its loans fell 55%, from 241 to 108, while similar lenders (credit unions making between half and twice as many loans) grew 8%. Almost every peer grew faster. The fall continues a slide from 684 loans in 2020. The figures do not say why; a decision to lend less is one possibility.
In 2025, 45.4% of its loans went to low- and moderate-income borrowers, against 29.5% at similar lenders, higher than almost nine in ten. That share was 28.4% in 2020.
Purchase loans made up 43.5% of its lending, home improvement 22.2% and refinances 21.3%. Its typical loan was $85,000, against $105,000 at peers; small home-improvement loans may pull that figure down.
In Saginaw, MI, where it has lent since at least 1990, its share fell from 1.1% to 0.5%, placing it 42 of 212 lenders; Frankenmuth Credit Union leads. In Bay City its share fell from 0.6% to 0.2%. Both falls track its own halving 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Team One Credit Union took 172 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 43.5% · Home improvement 22.2% · Refinance 21.3% · Other 13.0%
Conventional 100.0% · of 108 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 | 108 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Saginaw | 21 |
| Traverse City | 6 |
| Warren-Troy-Farmington Hills | 5 |
| Flint | 4 |
| Bay City | 3 |
| Ann Arbor | 2 |
| Grand Rapids-Wyoming-Kentwood | 2 |
| Midland | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300BYPXU2L51NW896 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 198390 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 562141 | 1990–2017 |
Established 1 January 1935. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Team One Credit Union's data.
Team One Credit Union's data
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Team One 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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