# TLC COMMUNITY Credit Union

> **Canonical URL:** https://saferate.com/lenders/tlc-community-credit-union

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

TLC COMMUNITY Credit Union is a credit union, headquartered in Adrian, MI, serving borrowers across 2 states, with 210 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 17% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 44% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300KGMIRA554NW480
- **Headquarters:** Adrian, MI
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** MI, OH
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 83/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 56/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.142%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $842
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 210
- **Dollar Volume:** $35 million
- **Applications Received:** 282
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $165,048
- **Average Borrower Income:** $87,176

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (65%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 47/100 | 210 | +0.142% | $842 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 149 loans, Score: 39/100 (Acceptable)
- Refinance: 61 loans, Score: 49/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 39/100 | 149 | $28M | -0.023% | Acceptable 🙂 |
| Refinance | 46/100 | 61 | $6M | +0.564% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MI | 204 | 0.18% | 74/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 180 | 68/100 |
| Monroe, MI | MI | 10 | 45/100 |

## Frequently Asked Questions

### What loan types does TLC COMMUNITY Credit Union offer?

TLC COMMUNITY Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does TLC COMMUNITY Credit Union offer mortgages?

TLC COMMUNITY Credit Union offers mortgages in 2 states: MI, OH.

### How competitive are TLC COMMUNITY Credit Union's mortgage rates?

TLC COMMUNITY Credit Union has a pricing score of 83/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.142% above market average.

### What type of lender is TLC COMMUNITY Credit Union?

TLC COMMUNITY Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Adrian, MI.

### What is TLC COMMUNITY Credit Union's loan approval success rate?

TLC COMMUNITY Credit Union has a pull-through score of 56/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/tlc-community-credit-union

### How to Cite

> "TLC COMMUNITY Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/tlc-community-credit-union

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