TLC COMMUNITY Credit Union in Michigan vs the state
17.7%Denial rate-0.86 pts vs state
17.7%Decision denial rate-4.92 pts vs state
77.6%Origination rate+17.69 pts vs state
7.25%Median rate+0.50 pts vs state
0.32Rate spread (pts)-0.08 pts vs state
$82kMedian applicant income
571Loans originated
130Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 524 | 378 | 18.5% | 7.50% | #105 |
| 2024 | 545 | 382 | 18.0% | 7.50% | #110 |
| 2025 | 736 | 571 | 17.7% | 7.25% | #100 |
What TLC COMMUNITY Credit Union lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most TLC COMMUNITY Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lenawee County | 596 | 470 | 97 | 16.3% |
| Monroe County | 58 | 43 | 12 | 20.7% |
| Jackson County | 23 | 16 | 6 | 26.1% |
| Hillsdale County | 21 | 12 | 8 | 38.1% |
| Washtenaw County | 11 | 7 | 4 | 36.4% |
| Wayne County | 6 | 4 | 2 | 33.3% |
| Genesee County | 2 | 1 | 0 | 0.0% |
| Clare County | 2 | 2 | 0 | 0.0% |
| Branch County | 2 | 1 | 1 | 50.0% |
| Oakland County | 2 | 2 | 0 | 0.0% |
Other large lenders in Michigan
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 30,644 | 16.3% | 6.75% |
| United Shore Financial Services | B | 29,330 | 11.7% | 6.60% |
| The Huntington National Bank | D | 20,047 | 30.0% | 7.49% |
| Lake Michigan Credit Union | A | 16,662 | 5.6% | 6.75% |
| Fifth Third Bank | D | 11,176 | 26.4% | 7.50% |
| 21st Mortgage | F | 7,424 | 53.4% | 11.04% |
| Citizens Bank | C | 6,592 | 29.0% | 7.65% |
| Triad Financial Services | D | 6,426 | 56.1% | 8.49% |
| Union Home Mortgage | B | 5,303 | 4.3% | 6.75% |
| PNC Bank | D | 5,161 | 26.3% | 7.36% |
Frequently asked questions
Michigan: 736 applications in 2025, of which 571 were originated and 130 denied.
17.7% of all applications, or 17.7% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans TLC COMMUNITY Credit Union originated in Michigan in 2025 was 7.25%, against a statewide median of 6.75%.
About this data. Figures are TLC COMMUNITY Credit Union's own HMDA filing for properties located in Michigan, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology