Applications / Mortgage Analytics / Lenders / Michigan / United Bay Community Credit Union / Competition
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
Who United Bay Community Credit Union competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — BAY CITY, MI, 2025
United Bay Community Credit Union ranks 8th of 172 lenders in Bay City, MI, with $11.2M lent: 3.3% of a $337.2M market.
Bay City, MI is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and United Bay Community Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 51% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — NON-METRO MICHIGAN, 2025
United Bay Community Credit Union ranks 203rd of 606 lenders in non-metro Michigan, with $4.0M lent: 0.1% of a $7.04B market.
non-metro Michigan is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and United Bay Community Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 38% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — MIDLAND, MI, 2025
United Bay Community Credit Union ranks 38th of 175 lenders in Midland, MI, with $1.4M lent: 0.4% of a $360.1M market.
Midland, MI is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and United Bay Community Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 58% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — KALAMAZOO-PORTAGE, MI, 2025
United Bay Community Credit Union ranks 96th of 281 lenders in Kalamazoo-Portage, MI, with $1.2M lent: 0.1% of a $1.29B market.
Kalamazoo-Portage, MI is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and United Bay Community Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 52% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — SAGINAW, MI, 2025
United Bay Community Credit Union ranks 70th of 212 lenders in Saginaw, MI, with $1.2M lent: 0.2% of a $589.1M market.
Saginaw, MI is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and United Bay Community Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 47% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — LANSING-EAST LANSING, MI, 2025
United Bay Community Credit Union ranks 246th of 333 lenders in Lansing-East Lansing, MI, with $285K lent: 0.0% of a $2.02B market.
Lansing-East Lansing, MI is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and United Bay Community Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 54% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — FLINT, MI, 2025
United Bay Community Credit Union ranks 210th of 285 lenders in Flint, MI, with $335K lent: 0.0% of a $1.61B market.
Flint, MI is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and United Bay Community Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 46% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — BATTLE CREEK, MI, 2025
United Bay Community Credit Union ranks 204th of 209 lenders in Battle Creek, MI, with $55K lent: 0.0% of a $562.0M market.
Battle Creek, MI is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and United Bay Community Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 49% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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