TRUE COMMUNITY Credit Union mortgage approval rate & lending review
TRUE COMMUNITY Credit Union decided 869 mortgage applications and funded 671 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions TRUE COMMUNITY Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
TRUE COMMUNITY Credit Union at a glance
Approval is 13.4 points above the 70.9% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 213 / 224 | 81% | $185K | 173 |
| Home improvement loans | 80% | 365 / 455 | 100% | $45K | 365 |
| Cash-out refinance | 83% | 96 / 116 | 80% | $125K | 77 |
| Refinance | 82% | 53 / 65 | 94% | $75K | 50 |
TRUE COMMUNITY Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Michigan | 84% | $45K | 869 | 671 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where TRUE COMMUNITY Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Jackson County, MI | Home improvement loans | 86% | 310 | 266 |
| Jackson County, MI | Mortgage lenders | 95% | 187 | 143 |
| Jackson County, MI | Cash-out refinance | 87% | 86 | 65 |
| Wayne County, MI | Home improvement loans | 56% | 75 | 42 |
| Washtenaw County, MI | Home improvement loans | 85% | 47 | 40 |
| Jackson County, MI | Refinance | 84% | 50 | 39 |
The county markets where TRUE COMMUNITY Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about TRUE COMMUNITY Credit Union
What is TRUE COMMUNITY Credit Union's mortgage approval rate?
TRUE COMMUNITY Credit Union approved 84.3% of the 869 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.4 points above the 70.9% national rate for the same mix of loan types.
How often do borrowers take the loan TRUE COMMUNITY Credit Union offers?
Borrowers accepted 92% of the loans TRUE COMMUNITY Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does TRUE COMMUNITY Credit Union make?
The typical home improvement loan loan TRUE COMMUNITY Credit Union made was $45K; across all loan types its typical loan ran from $45K to $185K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does TRUE COMMUNITY Credit Union lend?
TRUE COMMUNITY Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in Michigan.
Can I apply to TRUE COMMUNITY Credit Union directly?
Yes. TRUE COMMUNITY Credit Union is a bank or credit union with 15 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show TRUE COMMUNITY Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how TRUE COMMUNITY Credit Union treats applications, then get a rate quote from the lender.