TRUE COMMUNITY Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
19th20.1% deniedProcesswithdrawn + incomplete share, weight 15%
85th3.1%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 515 | 374 | 19.4% | 20.1% | — | $40M |
| 2024 | 558 | 412 | 17.4% | 18.3% | — | $43M |
| 2025 | 712 | 515 | 19.5% | 20.1% | — | $54M |
What TRUE COMMUNITY Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 10 manufactured homes, 0 investment properties.
Who gets approved at TRUE COMMUNITY Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 162 | 82 | 40.4% |
| $50k – $100k | 297 | 221 | 19.1% |
| $100k – $150k | 145 | 121 | 8.6% |
| $150k – $250k | 87 | 78 | 3.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 99 | 64 | 25.0% |
| 35–44 | 145 | 104 | 24.5% |
| 45–54 | 166 | 125 | 19.6% |
| 55–64 | 159 | 115 | 19.1% |
| 65–74 | 91 | 69 | 15.3% |
| Over 74 | 36 | 26 | 11.4% |
Where TRUE COMMUNITY Credit Union lends
2 states and 30 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Michigan | 709 | 515 | 19.3% | — | #101 |
Frequently asked questions
TRUE COMMUNITY Credit Union denied 20.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 19th percentile of small mortgage lenders.
In 2025, 11% of its applications were for home purchases, 9% for refinancing (including cash-out), and 79% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.