Applications / Mortgage Analytics / Lenders / Michigan / Community First Federal Credit Union
Lakeview, MI · Credit union · NCUA · $147 million assets · 13 loans in 2025
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13
loans originated, 2025
18
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Community First Federal Credit Union, of Lakeview, Michigan, made just 13 loans in 2025, down from 232 in 2021 and the fewest of any year since 2018.
Its loans fell 55% in 2025, from 29. A typical similar lender (credit unions making between half and twice as many loans) shrank 17%, and the whole market grew 10%; the credit union's fall was steeper than about nine in ten of its peers'. The decline is not new. It made 200 loans in 2018 and 232 in 2021, then 134 in 2022 and 33 in 2023. It may have chosen to make fewer home loans, or lost borrowers to the larger lenders that lead its markets.
With 13 loans, its shares of borrower groups, prices and property types are too small to read much into. Home purchases made up only 15.4% of its lending; loans for other purposes made up 46.2% and refinances 30.8%.
It lends in four Michigan counties, in the Grand Rapids metro and the state's non-metro areas, both entered in 2017. In Grand Rapids it ranked 229th of 436 lenders, with a share that rounds to 0.0%. 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Community First Federal Credit Union took 18 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 46.2% · Refinance 30.8% · Purchase 15.4% · Home improvement 7.7%
Conventional 100.0% · of 13 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 | 13 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Grand Rapids-Wyoming-Kentwood | 9 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493006CRT5VJ5L0N291 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 530598 | 2017–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524199 | 2017–2017 |
Established 1 January 1985. Reported under HMDA 2017-2025.
Mergers, name changes, data editions and corrections: Community First Federal Credit Union's data.
Community First Federal Credit Union's data
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Community First Federal 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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