Applications / Mortgage Analytics / Lenders / Michigan / TLC Community Credit Union
Adrian, MI · Credit union · NCUA · $920 million assets · 586 loans in 2025
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586
loans originated, 2025
753
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
TLC Community Credit Union is a southeast Michigan credit union with an even spread of purchase, home-improvement, other-purpose and refinance loans, and its loans rose 50% in 2025, faster than nine in ten similar credit unions.
Originations rose 50% to 586, against 6% for similar lenders (credit unions making between half and twice as many loans) and 10% for the whole market, more than about nine in ten of them. Dollar volume rose from $45.6 million to $67.3 million. The count is the highest since 2020, when it made 707.
Home purchase made up 29.0% of its loans, home improvement 27.5%, other purposes 24.1% and refinance 19.5%. Its typical loan, $95,000, is a little below similar lenders' $105,000. Manufactured homes were 2.7% of its loans, against 0.3%, more than about four in five similar lenders.
Low- and moderate-income (LMI) borrowers took 30.6% of its loans, against 27.1% at similar lenders. Majority-minority areas took 0.5%, against 11.1%, among the lowest tenth. One possible reason is where it lends: non-metro Michigan and smaller metros such as Monroe, which may hold few such areas.
In Monroe its share rose to 0.7% from 0.5%, ranking 37 of 225 lenders; Rocket Mortgage leads there. It ranks 28 of 606 in non-metro Michigan, where it has lent since its first report in 1994.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. TLC Community Credit Union took 753 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 29.0% · Home improvement 27.5% · Other 24.1% · Refinance 19.5%
Conventional 100.0% · of 586 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 | 571 | 97.4% |
| Ohio | 15 | 2.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Monroe | 43 |
| Jackson | 16 |
| Toledo | 13 |
| Ann Arbor | 7 |
| Detroit-Dearborn-Livonia | 4 |
| Grand Rapids-Wyoming-Kentwood | 3 |
| Warren-Troy-Farmington Hills | 2 |
| Battle Creek | 1 |
| Flint | 1 |
| Kalamazoo-Portage | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300KGMIRA554NW480 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 548799 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 560509 | 1994–2017 |
Established 1 January 1956. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: TLC Community Credit Union's data.
TLC Community Credit Union's data
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TLC Community Credit Union 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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