Applications / Mortgage Analytics / Lenders / Michigan / FreeStar Financial Credit Union
Clinton Township, MI · Credit union · NCUA · $339 million assets · 20 loans in 2025
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20
loans originated, 2025
52
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
FreeStar Financial Credit Union, of Clinton Township, Michigan, is a very small mortgage lender in the Detroit area, with 20 home loans in 2025.
It made 20 home loans in 2025, up from 16. Similar lenders, credit unions making between half and twice as many loans, made 26 at the middle; about three-quarters of them made more. With so few loans, one or two either way would swing its shares and rates, and little should be read into them.
It once lent far more. It made 106 loans in 2018 and 168 in 2020, then 43 in 2022 and 21 in 2023. Its peak came in 2020, a year of heavy refinancing, and part of the fall may simply be the end of that; the figures do not show the rest. 2025 is too small a year to say whether the decline has ended.
All its lending is in Michigan, across 2 metros and 4 counties. Detroit is its main market, where it has reported since 1990; United Wholesale Mortgage and Rocket Mortgage lead there. In 2008 it merged with Tek-Ni-Kal-Credit Union, whose filings count toward its figures in the competition tables.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. FreeStar Financial Credit Union took 52 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 75.0% · Refinance 25.0%
Conventional 100.0% · of 20 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 | 17 | 85.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Warren-Troy-Farmington Hills | 16 |
| Detroit-Dearborn-Livonia | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900CORCK9CDK8GZ80 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 161394 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 560406 | 1990–2017 |
Established 1 January 1957. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: FreeStar Financial Credit Union's data.
FreeStar Financial Credit Union's data
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FreeStar Financial 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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