Applications / Mortgage Analytics / Lenders / Michigan / Michigan Columbus Federal Credit Union
Livonia, MI · Credit union · NCUA · $73.8 million assets · 21 loans in 2025
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21
loans originated, 2025
23
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Michigan Columbus Federal Credit Union, of Livonia, is a small lender whose 21 home loans in 2025 were mostly for purposes other than buying a home.
About half its loans (52.4%) were for other purposes, 28.6% for home improvement and 19.0% for refinancing. It made no purchase loans. Its typical loan was $55,000, against $100,000 at similar lenders (credit unions making between half and twice as many loans); more than nine in ten of them lend more per loan.
It has reported since 1996. Since 2019 it has made between 15 and 27 loans a year, and 21 in 2025, down 16% from 25. It filed no report for 2018; that is a gap in the record, not a year without lending. With so few loans, a handful of borrowers decides each year's count.
All its lending is in Michigan, across three metros and four counties, centered on Detroit and reaching Ann Arbor, where it has lent since 2004. With 21 loans, its shares of lending to low- and moderate-income borrowers or neighborhoods are too small to read much into.
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, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Michigan Columbus Federal Credit Union took 23 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 52.4% · Home improvement 28.6% · Refinance 19.0%
Conventional 100.0% · of 21 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 | 21 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Detroit-Dearborn-Livonia | 17 |
| Ann Arbor | 2 |
| Warren-Troy-Farmington Hills | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300Y4GTNURUFYV328 | 2019–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 559674 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 55554 | 1996–2016 |
Established 1 January 1947. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: Michigan Columbus Federal Credit Union's data.
Michigan Columbus Federal Credit Union's data
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Michigan Columbus 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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