TRUE COMMUNITY Credit Union in Michigan vs the state
19.3%Denial rate+0.80 pts vs state
19.9%Decision denial rate-2.67 pts vs state
72.6%Origination rate+12.75 pts vs state
—Median rate
—Rate spread (pts)
$84kMedian applicant income
515Loans originated
137Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 515 | 374 | 19.4% | — | #108 |
| 2024 | 558 | 412 | 17.4% | — | #107 |
| 2025 | 709 | 515 | 19.3% | — | #101 |
What TRUE COMMUNITY Credit Union lends in Michigan
By loan purpose
By loan type
Where in Michigan
Counties with the most TRUE COMMUNITY Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 394 | 301 | 63 | 16.0% |
| Wayne County | 118 | 70 | 39 | 33.1% |
| Washtenaw County | 38 | 23 | 12 | 31.6% |
| Ingham County | 33 | 24 | 7 | 21.2% |
| Lenawee County | 18 | 13 | 2 | 11.1% |
| Hillsdale County | 18 | 15 | 2 | 11.1% |
| Calhoun County | 18 | 12 | 4 | 22.2% |
| Oakland County | 12 | 10 | 1 | 8.3% |
| Livingston County | 10 | 9 | 1 | 10.0% |
| Monroe County | 7 | 7 | 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: 709 applications in 2025, of which 515 were originated and 137 denied.
19.3% of all applications, or 19.9% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are TRUE 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