Applications / Mortgage Analytics / Lenders / Michigan / United Bay Community Credit Union
Bay City, MI · Credit union · NCUA · $297 million assets · 192 loans in 2025
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192
loans originated, 2025
229
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
United Bay Community Credit Union, a Bay City credit union, makes about half its loans for home improvements and other purposes rather than to buy or refinance a home, and it is the eighth-largest mortgage lender in its home market.
Purchases made up only 31.8% of its loans. Home improvement took 21.9% and other purposes 27.6%. Its typical loan was $75,000, against $105,000 at similar lenders, meaning credit unions making between half and twice as many loans. That is lower than at more than four in five of them.
It made 37.5% of its loans to low- and moderate-income (LMI) borrowers, against 27.9% at similar lenders, higher than at about three-quarters of them. In LMI neighborhoods its share was 22.6%, against 17.0%, higher than at four in five.
Of its loans, 5.7% were higher-priced, meaning a rate well above the average for similar loans, against 2.0% at similar lenders. Its product mix may account for most of that: home-improvement and other-purpose loans are often priced higher than first mortgages, and 5.2% of its loans were on manufactured homes. Its typical rate, 7.00%, was close to the 6.75% at peers.
It ranks 8 of 172 in Bay City, where it has lent since 1991. Its share eased from 4.0% to 3.3% even as its own loans rose 8%. Because shares count dollars, larger loans by rivals could explain that. Elsewhere it gained a little, in Saginaw from 0.0% to 0.2%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. United Bay Community Credit Union took 229 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 31.8% · Other 27.6% · Home improvement 21.9% · Refinance 18.8%
Conventional 100.0% · of 192 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 | 192 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Bay City | 122 |
| Saginaw | 11 |
| Kalamazoo-Portage | 10 |
| Midland | 8 |
| Battle Creek | 1 |
| Flint | 1 |
| Lansing-East Lansing | 1 |
| Warren-Troy-Farmington Hills | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 25490029YJHFABABT680 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 281890 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 561186 | 1991–2017 |
Established 1 January 1949. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: United Bay Community Credit Union's data.
United Bay Community Credit Union's data
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United Bay Community 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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