Independent research profile. Not a ranking.

Independent lender research

Lake Michigan Credit Union

Credit union

NMLS Institution ID 442967
NCUA 62514

Independent research from official public records. No paid ranking. No lender score. Not lending advice.

HMDA activity shown reflects the 2025 reporting vintage. Dates below are source dates, not ingest dates.

Evidence coverage

Coverage describes what this evidence layer contains. None observed is not the same as none exists. Partial means the evidence layer is incomplete.

identity
Complete
Official identifiers are attached to this institution.
hmda
Available
HMDA 2025 reporting vintage activity is attached.
cfpb
Available
Confirmed CFPB complaint attribution is attached.
enforcement
None observed
No attributable enforcement events were observed in the currently connected sources. This is not proof that no history exists.
servicer role
Not established
Servicer status comes only from official role evidence, not from names or complaint volume.
nmls
Available
An NMLS Institution ID is attached.
depository
Credit union (NCUA)
Depository type is taken from official FDIC/NCUA identifiers when present.

Identity & regulatory identifiers

Identifiers are shown in their own namespaces. An LEI is not an NMLS ID. An NMLS Institution ID is not a branch or person ID. An FDIC certificate is not a mortgage license.

NMLS Institution ID: 442967
NCUA Charter: 62514
Federal Reserve RSSD: 651596
LEI: 549300YB1H2FRI6JPM51

Names on this institution

Legal name: Lake Michigan Credit Union
Legal name: LAKE MICHIGAN

Historical names remain on this same institution. They do not create a separate profile.

Mortgage activity reported through HMDA

Period: HMDA 2025 reporting vintage. This is not 2026 mortgage activity. Source: FFIEC HMDA 2025 LEI summaries.

Applications

18,730

sum(applications) at state grain. Not a quality signal.

Originations

14,279

sum(originations) at state grain.

Origination rate

76.2%

14,279 originations / 18,730 applications. Not an approval prediction.

Denials

1,150

County-grain denial count. Not a quality score.

Denial rate

6.1%

1,150 county-grain denials ÷ 18,730 state-grain applications. Numerator is county-grain denials; denominator is state-grain applications. Full LAR action_taken distribution is not stored. Do not compare lenders without scale context. Not a quality score. This is not “chance of being denied” and not your approval odds.

See methodology.

Where HMDA activity was observed

HMDA activity observed in listed states/counties. This is not headquarters, not licensed-in, and not a branch network. These are not licensed states, branch locations, or a service area unless separate evidence says so.

Headquarters is not listed from an FDIC institution record on this profile.

Top states by HMDA applications

Top states by HMDA applications
Category	Count
Michigan (MI)	16,662
Florida (FL)	1,796
Ohio (OH)	83
Illinois (IL)	79
Indiana (IN)	54
Wisconsin (WI)	40
North Carolina (NC)	4
South Carolina (SC)	3
Tennessee (TN)	3
Minnesota (MN)	2

HMDA activity observed in 13 states.

Top counties by HMDA applications

Top counties by HMDA applications
Category	Count
26081 · MI	5,447
26139 · MI	2,508
26125 · MI	1,317
26121 · MI	1,034
26077 · MI	785
12071 · FL	672
26005 · MI	647
26163 · MI	608
26161 · MI	424
12021 · FL	414
26099 · MI	338
26055 · MI	315
26093 · MI	289
26015 · MI	278
26049 · MI	247

County FIPS codes are activity locations, not branches. 200 counties with observed applications.

Consumer complaint evidence

CFPB complaints attributed to this institution through confirmed identity mappings. Complaint totals are not a quality score and are not enforcement findings.

Attributed complaints

Last 24 months

Received on or after 2024-08-26.

Source company label: LAKE MICHIGAN CREDIT UNION (confirmed).

Complaint products
Category	Count
Mortgage	24

Complaint issues
Category	Count
Trouble during payment process	13
Applying for a mortgage or refinancing an existing mortgage	5
Struggling to pay mortgage	4
Closing on a mortgage	2

Company responses
Category	Count
Closed with explanation	23
Closed with monetary relief	1

Timely response
Category	Count
Yes	24

Complaint data includes only records deterministically attributed to this institution. Some CFPB source labels remain unresolved and are listed separately.

Regulatory & Enforcement History

Separate from consumer complaints. Events appear only when a regulator record is confirmed to this institution with an official identifier. Counts are not a severity score. Nonfinal events are not proven wrongdoing unless the source disposition says so.

No attributable enforcement events were observed in the currently connected sources. That is not proof that no enforcement history exists.

Observed roles

Servicer role: Servicer role not established

Role status uses official servicer-role evidence only. It is not inferred from company name, CFPB complaint count, ownership, parent company, or mortgage volume.

Credit union

Sources & methodology

Consumers should use source and reporting dates. Snapshot rebuild dates are not “verified today.”

FFIEC · hmda_2025_lender_state_summary
As-of / vintage: HMDA 2025
Source observed: 2025-12-31
source vintage, not ingest date
CFPB · cfpb_ccdb
Source observed: 2022-12-03
attributed confirmed complaints only
GLEIF · lei-records

HMDA 2025 is a reporting vintage, not current 2026 lending activity.
HMDA activity geography is not headquarters and not a branch or license map.
CFPB counts include confirmed attributions only.
Enforcement requires an independent confirmed identifier; a complaint bridge is not enough.
NONE OBSERVED enforcement is not proof of no history.
No Trust Score, ranking, or quality conversion is computed.
Purchase/refinance and FHA/VA/conventional program splits are not populated in the current LEI summaries.
Year-over-year HMDA is unavailable (single vintage).

Contract lend-nat-011-v1. Materialized evidence snapshot. Not a live national scan. Lookup 69 ms.