Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 20 Dec 2019 |
| RSSD ID | 549992 |
| Address | 27000 Evergreen Rd, Lathrup Village, MI 48076 Directions (Google Maps) |
| Website | michiganfirst.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Not yet verifiedThis lender's website blocked our automated reader on 2 Nov 2026 (we do not bypass bot protection), so we can't list its loan products, sizes or service area yet. That doesn't mean it lacks them. Check michiganfirst.com or contact the lender directly.
Questions to ask when you contact them
We have no details from their website yet, so these are the basics to ask any lender. Something missing here does not mean they don't offer it: ask.
- What kinds of loans do you make, and which one fits what I need?
We have no loan details from their website. - Do you lend where I live, or where my business is?
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
- What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
- What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$7.9 million in 5 awards from the U.S. Treasury's CDFI Fund, 2020–2024 (CDFI Equitable Recovery Program; CDFI Program, Financial Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $800,000 |
| 2022 | CDFI Equitable Recovery Program | $3,718,258 |
| 2022 | CDFI Program, Financial Assistance | $640,000 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | CDFI Program, Financial Assistance | $900,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as MICHIGAN FIRST (charter 60522). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $1.5 billion (as of 30 Jun 2026) |
|---|---|
| Members | 160,186 (as of 30 Jun 2026) |
| Offices | 32 (as of 30 Jun 2026) |
Offices by state and county (32)
Michigan (32 offices)
- Eaton County (1): 409 N Marketplace Blvd, Lansing 48917
- Ingham County (1): 2055 W Grand River Ave, Okemos 48864
- Jackson County (1): 2777 Airport Rd, Jackson 49202
- Kent County (6): 3999 Alpine Ave NW, Comstock Park 49321; 1815 Breton Rd SE, Grand Rapids 49506; 50 Louis St NW, Grand Rapids 49503; 5020 E Beltline Ave NE Ste 101a, Grand Rapids 49525; 5859 28th St SE, Grand Rapids 49546; 355 54th St SW, Wyoming 49548
- Macomb County (5): 21650 Gratiot Ave, Eastpointe 48021; 20891 E 13 Mile Rd, Roseville 48066; 7644 26 Mile Rd, Shelby Township 48316; 2051 18 Mile Rd, Sterling Heights 48314; 33201 Van Dyke Ave, Sterling Heights 48312
- Muskegon County (1): 700 W Norton Ave, Norton Shores 49441
- Oakland County (6): 27000 Evergreen Rd, Lathrup Village 48076 (main office); 3301 N Pontiac Trl, Commerce Township 48390; 26090 Ingersol Dr, Novi 48375; 65 S Livernois Rd, Rochester Hills 48307; 2200 E 12 Mile Rd, Royal Oak 48067; 2001 W Maple Rd, Troy 48084
- Washtenaw County (1): 2010 Whittaker Rd, Ypsilanti 48197
- Wayne County (10): 20645 Gibraltar Rd, Brownstown Twp 48183; 1905 N Canton Center Rd, Canton 48187; 45555 Michigan Ave, Canton 48188; 1301 W 8 Mile Rd, Detroit 48203; 19200 Wyoming St, Detroit 48221; 21431 Grand River Ave, Detroit 48219; 2825 Trumbull St, Detroit 48216; 3031 W Grand Blvd, Detroit 48202; 5221 Gullen Mall, Detroit 48202; 16705 Fort St, Southgate 48195
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Michigan First Credit Union (NCUA charter 60522, filed as “MICHIGAN FIRST”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $1.08 billion, 70,436 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 2.0% from $1.06 billion on 30 Jun 2025 |
| Members | 160,186 (as of 30 Jun 2026); 164,393 (as of 30 Jun 2025) |
| Loans per member | $6,720 (total loans divided by members, 30 Jun 2026) |
| Total assets | $1.49 billion (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $12.2 million | 1.1% |
| Used vehicle loans | $89.7 million | 8.3% |
| First-lien home mortgages (1-4 family) | $403.8 million | 37.5% |
| Other real estate loans (junior liens, other) | $124.2 million | 11.5% |
| Commercial (business) loans | $62 million | 5.8% |
| Credit cards | $55 million | 5.1% |
| Other unsecured loans | $60.8 million | 5.6% |
| Leases and other secured loans | $268.8 million | 25.0% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Michigan First Credit Union reported 1,308 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $260M (median loan about $155,000). 659 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 659 | 50% |
| Refinance (incl. 232 cash-out) | 311 | 24% |
| Home improvement | 197 | 15% |
| Other purpose | 141 | 11% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 1,197 | 92% |
| FHA-insured | 98 | 7.5% |
| VA-guaranteed | 11 | 0.8% |
Included above: 230 home-equity or other open-end lines of credit; 9 loans on manufactured homes.
Where the loans were made
Counties with the most 2025 originations, out of 68 counties with at least one; 99% of its 2025 loans were for properties in Michigan:
- Wayne County, MI (472)
- Oakland County, MI (277)
- Macomb County, MI (164)
- Kent County, MI (108)
- Livingston County, MI (31)
- Ottawa County, MI (28)
- Washtenaw County, MI (21)
- Genesee County, MI (19)
Filed under LEI 549300C6TQAJABMFOR79 as “Michigan First Credit Union”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $1.49 billion | Larger than 88% of the 16 other certified credit unions in Michigan (median $379.9 million). |
| Loans as a share of assets | 72% | Median of the same 16 credit unions: 70%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $1.06 billion → $1.08 billion (+2%) | Median change of 16 other certified credit unions in Michigan: +3%. Rank by loans held among these 17: 3 → 3. |
| Home loans originated in 2025 (HMDA) | 1,308 | More than 96% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in Michigan | 16 | larger than 88% |
| Loans held then vs now | certified credit unions in Michigan reporting both dates | 16 | rank 3 → 3 of 17 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 96% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 1 SBA-backed approval for Michigan First Credit Union in fiscal years 2020–2026 (October 2019 to September 2026):
- 1 7(a) loans as the lender
By fiscal year: FY2020 0 · FY2021 0 · FY2022 1 · FY2023 0 · FY2024 0 · FY2025 0 · FY2026 0.
By program
- 7(a) standard (1, 100%)
How this lender was matched in the SBA files: NCUA charter 60522, found through the RSSD ID in NCUA records (SBA lists “Michigan First Credit Union”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Michigan First Credit Union may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Lathrup Village and Michigan
- American 1 Credit UnionCredit union · Jackson, MIAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- Awakon Federal Credit UnionCredit union · Onaway, MIAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…Verified
- BlueOx Credit UnionCredit union · Battle Creek, MIAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- CASE Credit UnionCredit union · Lansing, MIAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home repair / improvement loans…Verified
- COMMUNITY FIRST FEDERAL CREDIT UNIONCredit union · Lakeview, MIAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- CORE Community PartnersLoan fund · Bingham Farms, MIAffordable housing development loansVerified
Work at Michigan First Credit Union? Link to this page
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