Applications / Mortgage Analytics / Lenders / Michigan / Tri-County Bank
Brown City, MI · State member bank · FRS · $604 million assets · 63 loans in 2025
Tri-County Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
63
loans originated, 2025
78
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Tri-County Bank's lending rose 31% in 2025, faster than most similar lenders, but its 63 loans are a fraction of the 333 it made in 2020, and it lends to low- and moderate-income borrowers more than most of its peers.
Originations rose 31% to 63, against 8% for similar lenders (state member banks making between half and twice as many loans) and 10% for the whole market, faster than about three-quarters of them. Yet it made 333 loans in 2020; less refinancing could explain much of the fall since, though a choice to lend less may also play a part.
Manufactured homes were 11.1% of its loans, against 1.6% for similar lenders, higher than more than four in five of them. Its typical loan of $145,000 was lower than about seven in ten similar lenders, against $175,000; manufactured homes may account for part of that gap. With 63 loans, a few loans move these shares.
38.3% of its loans went to LMI (low- and moderate-income) borrowers, against 25.0% for similar lenders, higher than more than four in five of them. 23.8% were in LMI areas, against 17.6%, higher than about two-thirds. It made no loans in majority-minority areas, against 6.9% for peers; its 12 counties may simply hold few such areas.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Tri-County Bank took 78 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 49.2% · Refinance 42.9% · Home improvement 6.3% · Other 1.6%
Conventional 100.0% · of 63 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Michigan | 63 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Warren-Troy-Farmington Hills | 29 |
| Flint | 2 |
| Grand Rapids-Wyoming-Kentwood | 1 |
| Traverse City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300KNV94E4Y2HSK54 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 695349 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2695349 | 1990–2017 |
Established 29 May 1889. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Tri-County Bank's data.
Tri-County Bank's data
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Tri-County Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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