Applications / Mortgage Analytics / Lenders / Michigan / Family First Credit Union
Saginaw, MI · Credit union · NCUA · $100 million assets · 34 loans in 2025
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34
loans originated, 2025
59
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Family First Credit Union is a small Saginaw lender whose mortgages are mostly small loans for purposes other than buying or refinancing a home.
Of its 34 loans in 2025, 52.9% were for other purposes, neither a purchase, a refinance nor home improvement. Purchases were 20.6%. Its typical loan was $45,000, half the $90,000 of similar lenders (credit unions making between half and twice as many loans) and smaller than almost all of them.
It has reported its lending since 1990, and Saginaw remains its biggest market. There it ranks 56 of 212 lenders, with 0.3% of lending, up from 0.2%. Frankenmuth Credit Union leads that market. Its lending stays within Michigan, across six counties.
Loans rose 36%, from 25 to 34, faster than more than four-fifths of similar lenders and the market's 10%. That is still below the 46 it made in 2023. It filed no report for 2020 or 2021; small lenders need not report every year, so those are gaps in the record, not years without lending.
Half its borrowers had low or moderate incomes, against 31.6% at similar lenders, and 35.5% of its loans went to low- and moderate-income neighborhoods. On so few loans these shares can swing widely from year to year, so read little into them.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Family First Credit Union took 59 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 52.9% · Purchase 20.6% · Refinance 17.6% · Home improvement 8.8%
Conventional 100.0% · of 34 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 | 32 | 94.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Saginaw | 23 |
| Bay City | 2 |
| Midland | 2 |
| Lansing-East Lansing | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549002HZ6B3ZIAO3Q76 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 785491 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 561909 | 1990–2016 |
Established 1 January 1939. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Family First Credit Union's data.
Family First Credit Union's data
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Family First 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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