Applications / Mortgage Analytics / Lenders / Michigan / Wildfire Credit Union
Saginaw, MI · Credit union · NCUA · $1.2 billion assets · 310 loans in 2025
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310
loans originated, 2025
403
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Wildfire Credit Union is one of the main local lenders in Saginaw, Bay City and Midland, markets where it has reported since 1990.
It ranks 7 of 172 lenders in Bay City, 10 of 175 in Midland and 11 of 212 in Saginaw, where Frankenmuth Credit Union leads. Its share rose in Saginaw, to 2.4%, and slipped by 0.2 points in Bay City and Midland. Its loans grew 7% while the whole market grew 10%, which may account for the small slips.
Its typical loan was $145,000, against $105,000 at similar lenders, meaning credit unions making between half and twice as many loans; that is higher than about seven in ten of them. Home purchases made up 46.1% of its loans, refinances 35.2% and home improvement 18.1%.
Some 35.9% of its loans went to low- and moderate-income (LMI) borrowers, against 27.2% at its peers, a higher share than about three-quarters of them. It turned down 5.1% of first-lien home-purchase applications, against 7.3% at its peers, lower than about three in five. Manufactured homes made up 3.2% of its loans, a sliver, but more than at most peers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Wildfire Credit Union took 403 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 46.1% · Refinance 35.2% · Home improvement 18.1% · Other 0.6%
Conventional 100.0% · of 310 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 | 309 | 99.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Saginaw | 94 |
| Bay City | 84 |
| Midland | 51 |
| Warren-Troy-Farmington Hills | 14 |
| Detroit-Dearborn-Livonia | 5 |
| Flint | 5 |
| Traverse City | 3 |
| Grand Rapids-Wyoming-Kentwood | 2 |
| Lansing-East Lansing | 2 |
| Ann Arbor | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900TKL128GKFR9C87 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 547596 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 560057 | 1990–2017 |
Established 1 January 1937. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Wildfire Credit Union's data.
Wildfire Credit Union's data
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Wildfire 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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