Tcf National Bank Mortgage Rates, Fees & Info

Sioux Falls, SD

LEI: 549300GJGUHNTC6JI536

Tax ID: 41-0585310

3.9 stars - out of 5 stars, based on 85 reviews

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Originations
  • Relative Rates
  • Relative Fees
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Tcf National Bank is a small bank specializing in Refi and Home Purchase loans. Tcf National Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Detroit, Minneapolis, Chicago, Grand Rapids, and Cincinnati among others. We have data for 283 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Tcf National Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Tcf National Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.27% 1/29/23
    30 Year Conventional Purchase 6.42% 1/29/23
    30 Year Conventional Refi 6.50% 1/29/23
    30 Year Cash-out Refi 6.77% 1/29/23
    30 Year FHA Purchase 7.24% 1/29/23
    30 Year FHA Refi 7.10% 1/29/23
    30 Year VA Purchase 6.03% 1/29/23
    30 Year VA Refi 6.04% 1/29/23
    30 Year USDA Purchase 6.47% 1/29/23
    30 Year USDA Refi 6.27% 1/29/23
    15 Year Conventional Purchase 5.86% 1/29/23
    15 Year Conventional Refi 6.06% 1/29/23
    15 Year Cash-out Refi 6.06% 1/29/23
    15 Year FHA Purchase 5.68% 1/29/23
    15 Year FHA Refi 5.68% 1/29/23
    15 Year VA Refi 5.68% 1/29/23
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.


    Originations

    7,243

    Origination Dollar Volume (All Markets)

    $1,893,185,000
    Show all (34) awards

    Relative Rate

    Tcf National Bank's average 30 year fixed mortgage rate was 3.92%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of 0.77%.

    Relative Fees (Closing Costs)

    Tcf National Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $3,518.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1,140 $388,330,000 $340,640 $3,061 3.14%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 657 $161,845,000 $246,339 $3,046 3.15%
    Outside of Metro Areas 604 $131,850,000 $218,295 $3,033 3.11%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 461 $110,445,000 $239,577 $3,459 3.65%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 354 $101,590,000 $286,977 $2,754 3.12%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 281 $80,925,000 $287,989 $3,460 3.03%
    Traverse City, MI (FHA|USDA|VA) 212 $59,370,000 $280,047 $2,821 3.01%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 119 $43,705,000 $367,269 $5,186 4.52%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 219 $42,025,000 $191,895 $2,363 5.90%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 125 $41,635,000 $333,080 $3,360 4.00%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 24 $39,420,000 $1,642,500 $3,536 4.18%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 111 $31,325,000 $282,207 $3,797 2.97%
    ANN ARBOR, MI (FHA|USDA|VA) 95 $29,655,000 $312,158 $3,007 3.03%
    TOLEDO, OH (FHA|USDA|VA) 15 $26,275,000 $1,751,667 $4,102 2.92%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 103 $22,695,000 $220,340 $3,418 5.70%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 132 $20,570,000 $155,833 $3,919 2.99%
    FLINT, MI (FHA|USDA|VA) 81 $18,145,000 $224,012 $3,185 3.04%
    Holland, MI (FHA|USDA|VA) 82 $18,070,000 $220,366 $2,455 3.05%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 129 $17,165,000 $133,062 $8,397 5.91%
    KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 57 $15,905,000 $279,035 $2,678 3.06%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 66 $15,460,000 $234,242 $2,386 3.47%
    COLUMBUS, OH (FHA|USDA|VA) 32 $12,450,000 $389,063 $4,007 3.24%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 59 $12,375,000 $209,746 $2,706 3.31%
    SALT LAKE CITY, UT (FHA|USDA|VA) 27 $11,515,000 $426,481 $4,408 4.99%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 61 $11,025,000 $180,738 $2,735 5.76%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 75 $10,405,000 $138,733 $0 5.98%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 22 $10,340,000 $470,000 $6,695 4.32%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 43 $9,565,000 $222,442 $2,524 5.92%
    Jamestown, ND (FHA|USDA|VA) 50 $9,340,000 $186,800 $3,583 2.77%
    Cadillac, MI (FHA|USDA|VA) 76 $9,170,000 $120,658 $2,334 3.16%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 70 $8,940,000 $127,714 $2,831 5.97%
    BATTLE CREEK, MI (FHA|USDA|VA) 57 $8,845,000 $155,175 $2,852 3.12%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 58 $8,650,000 $149,138 $4,930 5.86%
    MIDLAND, MI (FHA|USDA|VA) 40 $8,540,000 $213,500 $2,820 3.07%
    SAGINAW, MI (FHA|USDA|VA) 45 $8,425,000 $187,222 $2,573 3.03%
    BISMARCK, ND (FHA|USDA|VA) 33 $8,245,000 $249,848 $3,913 2.82%
    TUCSON, AZ (FHA|USDA|VA) 17 $8,185,000 $481,471 $5,593 3.82%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 40 $8,160,000 $204,000 $2,387 4.06%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 16 $7,910,000 $494,375 $5,384 4.06%
    PROVO-OREM, UT (FHA|USDA|VA) 18 $7,350,000 $408,333 $4,701 5.25%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 70 $7,300,000 $104,286 $3,290 3.29%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 14 $6,970,000 $497,857 $5,805 3.74%
    GRAND FORKS, ND-MN (FHA|USDA|VA) 27 $6,675,000 $247,222 $3,967 2.96%
    BOULDER, CO (FHA|USDA|VA) 10 $6,460,000 $646,000 $3,631 3.27%
    MUSKEGON, MI (FHA|USDA|VA) 22 $6,360,000 $289,091 $2,799 3.02%
    FORT COLLINS, CO (FHA|USDA|VA) 9 $6,345,000 $705,000 $4,244 3.72%
    BAY CITY, MI (FHA|USDA|VA) 52 $6,120,000 $117,692 $2,558 2.91%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 30 $5,800,000 $193,333 $0 6.02%
    JACKSONVILLE, FL (FHA|USDA|VA) 11 $5,795,000 $526,818 $5,325 4.45%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 14 $5,730,000 $409,286 $3,865 3.70%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 39 $5,715,000 $146,538 $2,341 5.86%
    NILES, MI (FHA|USDA|VA) 35 $5,455,000 $155,857 $2,794 3.24%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 29 $5,385,000 $185,690 $2,632 3.08%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 24 $5,100,000 $212,500 $3,212 5.57%
    AKRON, OH (FHA|USDA|VA) 26 $5,050,000 $194,231 $3,492 3.22%
    KNOXVILLE, TN (FHA|USDA|VA) 9 $5,035,000 $559,444 $3,920 2.94%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 18 $5,020,000 $278,889 $4,673 3.72%
    MADISON, WI (FHA|USDA|VA) 8 $4,520,000 $565,000 $3,559 2.92%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 6 $4,460,000 $743,333 $3,900 3.06%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 34 $4,070,000 $119,706 $3,263 5.89%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 30 $3,950,000 $131,667 $3,809 5.40%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 10 $3,740,000 $374,000 $3,200 3.69%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 8 $3,630,000 $453,750 $4,085 4.59%
    Jackson, WY-ID (FHA|USDA|VA) 3 $3,575,000 $1,191,667 $4,924 2.96%
    Ludington, MI (FHA|USDA|VA) 22 $3,510,000 $159,545 $2,425 3.04%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 23 $3,445,000 $149,783 $3,764 5.79%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 18 $3,300,000 $183,333 $3,419 4.45%
    ROCHESTER, MN (FHA|USDA|VA) 8 $3,260,000 $407,500 $3,449 2.83%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 33 $2,955,000 $89,545 $2,878 3.53%
    BILLINGS, MT (FHA|USDA|VA) 4 $2,920,000 $730,000 $5,188 3.03%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 5 $2,865,000 $573,000 $2,850 3.15%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 6 $2,800,000 $466,667 $6,236 4.91%
    Brainerd, MN (FHA|USDA|VA) 8 $2,780,000 $347,500 $3,739 2.97%
    Big Rapids, MI (FHA|USDA|VA) 18 $2,720,000 $151,111 $2,301 2.90%
    ST. CLOUD, MN (FHA|USDA|VA) 11 $2,655,000 $241,364 $3,207 2.82%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 12 $2,560,000 $213,333 $3,135 4.92%
    RENO, NV (FHA|USDA|VA) 17 $2,525,000 $148,529 $0 5.24%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 6 $2,470,000 $411,667 $3,574 4.91%
    ST. GEORGE, UT (FHA|USDA|VA) 6 $2,420,000 $403,333 $4,112 5.01%
    Mount Pleasant, MI (FHA|USDA|VA) 17 $2,295,000 $135,000 $2,665 3.15%
    GRAND JUNCTION, CO (FHA|USDA|VA) 3 $2,275,000 $758,333 $3,433 2.92%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 4 $2,190,000 $547,500 $5,058 4.06%
    SIOUX FALLS, SD (FHA|USDA|VA) 6 $2,170,000 $361,667 $3,937 3.15%
    Key West, FL (FHA|USDA|VA) 6 $2,120,000 $353,333 $7,030 4.85%
    DULUTH, MN-WI (FHA|USDA|VA) 8 $2,090,000 $261,250 $2,883 3.08%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 7 $2,075,000 $296,429 $3,260 3.96%
    Adrian, MI (FHA|USDA|VA) 6 $1,990,000 $331,667 $3,332 2.63%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 7 $1,945,000 $277,857 $4,593 4.32%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 11 $1,905,000 $173,182 $3,636 4.87%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 9 $1,865,000 $207,222 $0 5.93%
    JACKSON, MI (FHA|USDA|VA) 13 $1,845,000 $141,923 $1,719 3.76%
    PITTSBURGH, PA (FHA|USDA|VA) 6 $1,830,000 $305,000 $4,705 3.56%
    Gardnerville Ranchos, NV (FHA|USDA|VA) 10 $1,800,000 $180,000 $0 5.92%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 7 $1,745,000 $249,286 $3,244 5.37%
    Alma, MI (FHA|USDA|VA) 15 $1,695,000 $113,000 $2,312 3.17%
    GREEN BAY, WI (FHA|USDA|VA) 2 $1,690,000 $845,000 $1,948 2.88%
    Red Wing, MN (FHA|USDA|VA) 7 $1,675,000 $239,286 $2,858 2.84%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 13 $1,655,000 $127,308 $2,401 5.66%
    MANKATO, MN (FHA|USDA|VA) 10 $1,620,000 $162,000 $3,831 2.79%
    Spearfish, SD (FHA|USDA|VA) 2 $1,540,000 $770,000 $2,990 3.06%
    FARGO, ND-MN (FHA|USDA|VA) 6 $1,540,000 $256,667 $4,091 2.71%
    GREELEY, CO (FHA|USDA|VA) 5 $1,495,000 $299,000 $5,342 3.85%
    MONROE, MI (FHA|USDA|VA) 7 $1,495,000 $213,571 $2,635 3.37%
    PUNTA GORDA, FL (FHA|USDA|VA) 8 $1,460,000 $182,500 $3,620 3.33%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 2 $1,430,000 $715,000 $8,474 4.37%
    RAPID CITY, SD (FHA|USDA|VA) 2 $1,410,000 $705,000 $4,119 2.81%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 17 $1,405,000 $82,647 $0 3.58%
    Dickinson, ND (FHA|USDA|VA) 6 $1,380,000 $230,000 $5,671 3.23%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 10 $1,370,000 $137,000 $0 5.87%
    TULSA, OK (FHA|USDA|VA) 3 $1,315,000 $438,333 $4,710 3.25%
    STOCKTON, CA (FHA|USDA|VA) 16 $1,300,000 $81,250 $0 6.02%
    Kalispell, MT (FHA|USDA|VA) 2 $1,280,000 $640,000 $3,846 3.06%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 10 $1,280,000 $128,000 $3,309 3.17%
    Coldwater, MI (FHA|USDA|VA) 9 $1,255,000 $139,444 $2,461 2.86%
    MISSOULA, MT (FHA|USDA|VA) 2 $1,230,000 $615,000 $4,684 3.06%
    BEND, OR (FHA|USDA|VA) 6 $1,180,000 $196,667 $0 6.12%
    PUEBLO, CO (FHA|USDA|VA) 2 $1,170,000 $585,000 $3,196 2.88%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 4 $1,170,000 $292,500 $2,938 2.81%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 2 $1,160,000 $580,000 $4,287 3.19%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 3 $1,125,000 $375,000 $3,672 3.08%
    Ukiah, CA (FHA|USDA|VA) 2 $1,090,000 $545,000 $3,049 4.56%
    WICHITA, KS (FHA|USDA|VA) 3 $1,085,000 $361,667 $3,229 3.08%
    RACINE, WI (FHA|USDA|VA) 9 $1,055,000 $117,222 $2,355 3.05%
    CHARLESTON, WV (FHA|USDA|VA) 2 $1,050,000 $525,000 $3,892 2.81%
    Wilmington, OH (FHA|USDA|VA) 6 $1,010,000 $168,333 $5,186 3.15%
    READING, PA (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $9,272 2.88%
    HUNTSVILLE, AL (FHA|USDA|VA) 9 $995,000 $110,556 $0 3.18%
    Show Low, AZ (FHA|USDA|VA) 1 $975,000 $975,000 $7,570 3.13%
    SAVANNAH, GA (FHA|USDA|VA) 3 $975,000 $325,000 $4,389 4.70%
    EAU CLAIRE, WI (FHA|USDA|VA) 1 $885,000 $885,000 $2,596 2.75%
    MODESTO, CA (FHA|USDA|VA) 6 $880,000 $146,667 $0 6.07%
    YUMA, AZ (FHA|USDA|VA) 1 $875,000 $875,000 $5,956 3.00%
    Truckee-Grass Valley, CA (FHA|USDA|VA) 4 $850,000 $212,500 $0 5.93%
    CHICO, CA (FHA|USDA|VA) 4 $840,000 $210,000 $0 6.18%
    ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $815,000 $815,000 $2,640 2.75%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 10 $790,000 $79,000 $0 3.64%
    OCALA, FL (FHA|USDA|VA) 6 $790,000 $131,667 $2,599 3.54%
    BAKERSFIELD, CA (FHA|USDA|VA) 5 $785,000 $157,000 $0 6.04%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 3 $765,000 $255,000 $3,946 3.08%
    Grand Rapids, MN (FHA|USDA|VA) 1 $755,000 $755,000 $4,314 3.38%
    Williston, ND (FHA|USDA|VA) 3 $755,000 $251,667 $2,674 2.83%
    Cedar City, UT (FHA|USDA|VA) 1 $735,000 $735,000 $4,017 3.13%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $735,000 $735,000 $4,536 3.00%
    Mason City, IA (FHA|USDA|VA) 2 $720,000 $360,000 $2,728 3.06%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 2 $720,000 $360,000 $4,051 3.31%
    PANAMA CITY, FL (FHA|USDA|VA) 2 $720,000 $360,000 $15,161 2.75%
    SPRINGFIELD, MO (FHA|USDA|VA) 1 $715,000 $715,000 $3,707 3.13%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 3 $715,000 $238,333 $5,154 3.87%
    Whitewater, WI (FHA|USDA|VA) 1 $705,000 $705,000 $2,732 3.25%
    Hillsdale, MI (FHA|USDA|VA) 7 $705,000 $100,714 $2,536 2.86%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 4 $690,000 $172,500 $3,379 3.78%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 3 $685,000 $228,333 $3,920 5.04%
    Alpena, MI (FHA|USDA|VA) 3 $685,000 $228,333 $2,859 2.92%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 4 $680,000 $170,000 $0 5.80%
    VALLEJO, CA (FHA|USDA|VA) 9 $675,000 $75,000 $0 5.93%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 2 $660,000 $330,000 $0 5.87%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $655,000 $655,000 $3,714 3.25%
    JOPLIN, MO (FHA|USDA|VA) 1 $655,000 $655,000 $3,365 2.75%
    Minot, ND (FHA|USDA|VA) 3 $645,000 $215,000 $2,772 3.13%
    BOISE CITY, ID (FHA|USDA|VA) 3 $635,000 $211,667 $0 5.91%
    Cañon City, CO (FHA|USDA|VA) 1 $615,000 $615,000 $3,752 2.75%
    Rock Springs, WY (FHA|USDA|VA) 1 $605,000 $605,000 $3,715 2.75%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 4 $600,000 $150,000 $0 3.81%
    Astoria, OR (FHA|USDA|VA) 2 $560,000 $280,000 $0 5.87%
    Oak Harbor, WA (FHA|USDA|VA) 4 $540,000 $135,000 $0 6.12%
    SALINAS, CA (FHA|USDA|VA) 4 $530,000 $132,500 $0 5.49%
    APPLETON, WI (FHA|USDA|VA) 3 $525,000 $175,000 $2,704 3.83%
    Hannibal, MO (FHA|USDA|VA) 1 $515,000 $515,000 $2,539 3.13%
    West Plains, MO (FHA|USDA|VA) 1 $505,000 $505,000 $2,976 3.13%
    FRESNO, CA (FHA|USDA|VA) 4 $500,000 $125,000 $0 5.40%
    CASPER, WY (FHA|USDA|VA) 2 $460,000 $230,000 $2,603 3.19%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $455,000 $455,000 $4,178 3.00%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $435,000 $435,000 $0 5.74%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 2 $430,000 $215,000 $2,331 3.31%
    IOWA CITY, IA (FHA|USDA|VA) 1 $425,000 $425,000 $2,789 3.25%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 3 $425,000 $141,667 $3,132 3.08%
    REDDING, CA (FHA|USDA|VA) 3 $425,000 $141,667 $0 6.24%
    DUBUQUE, IA (FHA|USDA|VA) 1 $415,000 $415,000 $2,829 2.88%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $405,000 $405,000 $0 5.74%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 3 $395,000 $131,667 $0 6.16%
    Marietta, OH (FHA|USDA|VA) 1 $395,000 $395,000 $3,879 2.25%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $385,000 $385,000 $3,551 3.75%
    Oskaloosa, IA (FHA|USDA|VA) 1 $385,000 $385,000 $2,542 3.00%
    Sandusky, OH (FHA|USDA|VA) 3 $375,000 $125,000 $2,560 3.46%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 3 $375,000 $125,000 $0 5.08%
    PEORIA, IL (FHA|USDA|VA) 1 $365,000 $365,000 $2,937 3.25%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $355,000 $355,000 $2,183 2.88%
    LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 1 $355,000 $355,000 $3,415 3.25%
    Durango, CO (FHA|USDA|VA) 1 $345,000 $345,000 $2,674 2.63%
    SPRINGFIELD, OH (FHA|USDA|VA) 2 $340,000 $170,000 $3,007 4.37%
    Wooster, OH (FHA|USDA|VA) 1 $335,000 $335,000 $5,523 3.63%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 2 $330,000 $165,000 $2,158 4.87%
    ROCKFORD, IL (FHA|USDA|VA) 2 $320,000 $160,000 $3,227 3.18%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 3 $315,000 $105,000 $0 3.17%
    LANCASTER, PA (FHA|USDA|VA) 2 $310,000 $155,000 $4,048 4.75%
    ERIE, PA (FHA|USDA|VA) 1 $305,000 $305,000 $4,625 2.88%
    Bozeman, MT (FHA|USDA|VA) 3 $305,000 $101,667 $0 6.07%
    St. Marys, GA (FHA|USDA|VA) 1 $295,000 $295,000 $2,511 2.75%
    MORGANTOWN, WV (FHA|USDA|VA) 1 $275,000 $275,000 $3,366 3.38%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 2 $270,000 $135,000 $2,875 2.50%
    SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 1 $265,000 $265,000 $3,853 2.75%
    CHEYENNE, WY (FHA|USDA|VA) 1 $265,000 $265,000 $3,389 3.25%
    Ada, OK (FHA|USDA|VA) 1 $265,000 $265,000 $3,778 3.25%
    MERCED, CA (FHA|USDA|VA) 3 $255,000 $85,000 $0 5.91%
    YUBA CITY, CA (FHA|USDA|VA) 1 $245,000 $245,000 $0 6.24%
    STATE COLLEGE, PA (FHA|USDA|VA) 1 $235,000 $235,000 $3,861 3.00%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $235,000 $235,000 $3,488 2.50%
    Salem, OH (FHA|USDA|VA) 1 $235,000 $235,000 $2,705 2.75%
    Aberdeen, SD (FHA|USDA|VA) 1 $235,000 $235,000 $3,321 2.75%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 2 $230,000 $115,000 $0 6.24%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 3 $225,000 $75,000 $1,762 3.13%
    FLAGSTAFF, AZ (FHA|USDA|VA) 1 $225,000 $225,000 $0 6.24%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 2 $220,000 $110,000 $1,759 3.50%
    Burlington, IA-IL (FHA|USDA|VA) 1 $215,000 $215,000 $2,759 2.88%
    WORCESTER, MA-CT (FHA|USDA|VA) 2 $210,000 $105,000 $0 5.99%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $195,000 $195,000 $0 5.99%
    Urbana, OH (FHA|USDA|VA) 1 $195,000 $195,000 $2,801 3.00%
    New Castle, PA (FHA|USDA|VA) 1 $185,000 $185,000 $0 3.49%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 3 $185,000 $61,667 $0 6.07%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $185,000 $185,000 $0 6.24%
    BECKLEY, WV (FHA|USDA|VA) 1 $185,000 $185,000 $3,072 3.38%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 2 $180,000 $90,000 $0 4.56%
    Heber, UT (FHA|USDA|VA) 2 $180,000 $90,000 $0 5.74%
    KANKAKEE, IL (FHA|USDA|VA) 1 $175,000 $175,000 $2,045 2.88%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 1 $175,000 $175,000 $0 5.99%
    BATON ROUGE, LA (FHA|USDA|VA) 1 $175,000 $175,000 $2,485 3.25%
    RALEIGH-CARY, NC (FHA|USDA|VA) 2 $170,000 $85,000 $0 5.99%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 2 $170,000 $85,000 $0 5.62%
    ASHEVILLE, NC (FHA|USDA|VA) 1 $165,000 $165,000 $0 4.13%
    Pullman, WA (FHA|USDA|VA) 1 $165,000 $165,000 $0 6.49%
    TUSCALOOSA, AL (FHA|USDA|VA) 1 $165,000 $165,000 $0 3.63%
    Winona, MN (FHA|USDA|VA) 1 $165,000 $165,000 $0 4.49%
    Jennings, LA (FHA|USDA|VA) 1 $165,000 $165,000 $0 3.63%
    Greenville, OH (FHA|USDA|VA) 1 $155,000 $155,000 $3,064 3.13%
    Alexandria, MN (FHA|USDA|VA) 1 $155,000 $155,000 $1,996 2.63%
    NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $145,000 $145,000 $0 6.24%
    Sault Ste. Marie, MI (FHA|USDA|VA) 1 $135,000 $135,000 $2,040 2.75%
    Maysville, KY (FHA|USDA|VA) 1 $135,000 $135,000 $3,055 3.25%
    Menomonie, WI (FHA|USDA|VA) 1 $135,000 $135,000 $4,677 2.38%
    FLORENCE, SC (FHA|USDA|VA) 1 $125,000 $125,000 $3,316 3.25%
    VISALIA, CA (FHA|USDA|VA) 3 $125,000 $41,667 $0 6.32%
    Ashtabula, OH (FHA|USDA|VA) 1 $125,000 $125,000 $2,566 2.63%
    SANTA FE, NM (FHA|USDA|VA) 1 $115,000 $115,000 $0 5.99%
    MONTGOMERY, AL (FHA|USDA|VA) 2 $110,000 $55,000 $0 3.31%
    JACKSON, TN (FHA|USDA|VA) 2 $110,000 $55,000 $0 4.06%
    SHEBOYGAN, WI (FHA|USDA|VA) 1 $105,000 $105,000 $0 3.63%
    EL CENTRO, CA (FHA|USDA|VA) 1 $105,000 $105,000 $0 6.24%
    Shawano, WI (FHA|USDA|VA) 1 $105,000 $105,000 $3,119 3.00%
    Defiance, OH (FHA|USDA|VA) 1 $105,000 $105,000 $2,130 2.88%
    GAINESVILLE, GA (FHA|USDA|VA) 1 $95,000 $95,000 $0 6.49%
    Sevierville, TN (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.74%
    ALBUQUERQUE, NM (FHA|USDA|VA) 1 $95,000 $95,000 $0 6.24%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $95,000 $95,000 $2,193 3.00%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $85,000 $85,000 $0 5.74%
    Fairmont, MN (FHA|USDA|VA) 1 $85,000 $85,000 $1,846 2.63%
    LOGAN, UT-ID (FHA|USDA|VA) 1 $85,000 $85,000 $0 5.99%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 1 $85,000 $85,000 $0 6.49%
    Ponca City, OK (FHA|USDA|VA) 1 $75,000 $75,000 $3,426 3.38%
    WENATCHEE, WA (FHA|USDA|VA) 1 $75,000 $75,000 $0 5.74%
    Outside of Metro Areas 2 $70,000 $35,000 $0 5.62%
    Sonora, CA (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.99%
    Vermillion, SD (FHA|USDA|VA) 1 $65,000 $65,000 $3,434 2.38%
    MANSFIELD, OH (FHA|USDA|VA) 1 $65,000 $65,000 $0 3.25%
    BELLINGHAM, WA (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.74%
    SALEM, OR (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.99%
    Torrington, CT (FHA|USDA|VA) 1 $65,000 $65,000 $0 6.24%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.99%
    JACKSON, MS (FHA|USDA|VA) 1 $65,000 $65,000 $0 3.38%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $65,000 $65,000 $0 3.13%
    MUNCIE, IN (FHA|USDA|VA) 1 $55,000 $55,000 $0 3.13%
    MADERA, CA (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.99%
    MEDFORD, OR (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.74%
    LEBANON, PA (FHA|USDA|VA) 1 $45,000 $45,000 $0 3.75%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $45,000 $45,000 $0 6.24%
    Fernley, NV (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.74%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $35,000 $35,000 $0 6.24%
    IDAHO FALLS, ID (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.99%
    Angola, IN (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.99%
    ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.74%
    DANVILLE, IL (FHA|USDA|VA) 1 $35,000 $35,000 $1,819 2.13%
    Mount Vernon, OH (FHA|USDA|VA) 1 $35,000 $35,000 $0 3.74%
    POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 1 $15,000 $15,000 $0 5.74%
    Stevens Point, WI (FHA|USDA|VA) 1 $15,000 $15,000 $0 3.32%
    Tcf National Bank's top markets include Detroit, Minneapolis, Chicago, Grand Rapids, and Cincinnati among others.

    Their top states include:
  • Michigan (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 4,938 $1,567,100,000 $317,355 $3,030 3.03%
    HELOC 2,000 $262,600,000 $131,300 n/a 5.41%
    FHA 179 $30,185,000 $168,631 $6,032 2.84%
    VA 111 $30,815,000 $277,613 $4,573 2.60%
    USDA 15 $2,485,000 $165,667 $4,485 2.58%

    For 2021, Tcf National Bank's most frequently originated type of loan was Conventional, with 4,938 originations. Their 2nd most popular type was HELOC, with 2,000 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 2,675 $728,795,000 $272,447 $2,670 3.35%
    Home Purchase 2,647 $833,455,000 $314,868 $4,044 3.76%
    Cash Out Refi 936 $197,290,000 $210,780 $2,991 3.11%
    Other 539 $62,915,000 $116,725 $2,133 4.63%
    Home Improvement 446 $70,730,000 $158,587 $323 5.22%

    For 2021, Tcf National Bank's most frequently cited loan purpose was Refi, with 2,675 originations. The 2nd most popular reason was Home Purchase, with 2,647 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 5,635 $1,503,275,000 $266,775 $3,518 3.92%
    15 Year 1,144 $243,850,000 $213,156 $2,563 2.68%
    20 Year 233 $46,575,000 $199,893 $2,733 2.99%
    10 Year 164 $15,160,000 $92,439 $1,554 3.16%
    5 Year 30 $6,560,000 $218,667 $98 3.86%
    Other 29 $42,585,000 $1,468,448 $2,481 3.02%
    30+ year 5 $1,395,000 $279,000 $2,606 4.15%
    3 Year 2 $33,680,000 $16,840,000 $0 3.25%
    1 Year 1 $105,000 $105,000 $0 3.50%

    For 2021, Tcf National Bank's most frequently cited loan duration was 30 Year, with 5,635 originations. The 2nd most popular length was 15 Year, with 1,144 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,784 $931,720,000 $334,670
    $1k-2k 1,648 $466,870,000 $283,295
    $2k-3k 222 $69,510,000 $313,108
    $3k-4k 64 $16,840,000 $263,125
    $5k+ 33 $10,415,000 $315,606
    $4k-5k 24 $7,960,000 $331,667

    Tcf National Bank's average total fees were $3,518, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,784 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 2,552 $911,000,000 $356,975
    3-4% 2,143 $576,365,000 $268,952
    5-6% 986 $145,270,000 $147,333
    <2.5% 726 $161,860,000 $222,948
    6-7% 484 $59,870,000 $123,698
    4-5% 347 $38,685,000 $111,484
    7-8% 5 $135,000 $27,000

    During 2021, Tcf National Bank's average interest rate for loans was 3.92%, while their most frequently originated rate bucket for loans was 2.5-3%, with 2,552 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 2,249 $325,845,000 $144,884 $2,775 3.65%
    $100,000 or less 1,948 $118,790,000 $60,980 $2,012 4.29%
    $200k-400k 1,859 $513,235,000 $276,081 $3,355 3.43%
    $400k-600k 539 $263,285,000 $488,469 $3,822 3.31%
    $600k-1MM 465 $355,315,000 $764,118 $4,200 2.94%
    $1MM+ 183 $316,715,000 $1,730,683 $5,605 2.91%

    2021 saw Tcf National Bank place emphasis on $100k-200k loans with 2,249 originations, totaling $325,845,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 1,500 $374,570,000 $249,713 $3,350 4.24%
    $250k+ 1,464 $737,800,000 $503,962 $4,094 4.01%
    $100k-150k 1,293 $252,025,000 $194,915 $3,082 3.68%
    $50k-75k 1,076 $161,090,000 $149,712 $2,917 3.24%
    $50k or less 875 $98,305,000 $112,349 $2,740 3.17%
    $75k-100k 842 $151,070,000 $179,418 $3,050 3.35%

    Tcf National Bank lent most frequently to those with incomes in the $150k-250k range, with 1,500 originations. The second most popular income band? $250k+, with 1,464 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,908 $500,570,000 $262,353 $3,068 3.60%
    30-36% 1,403 $350,315,000 $249,690 $3,211 3.75%
    <20% 934 $254,520,000 $272,505 $2,988 3.43%
    44% 353 $65,605,000 $185,850 $3,234 4.38%
    41% 286 $74,100,000 $259,091 $3,220 3.94%
    42% 278 $71,550,000 $257,374 $3,278 3.91%
    40% 270 $70,340,000 $260,519 $3,166 3.83%
    39% 269 $72,835,000 $270,762 $3,345 3.86%
    38% 248 $65,740,000 $265,081 $3,356 3.78%
    43% 246 $43,020,000 $174,878 $3,160 4.15%
    37% 238 $60,850,000 $255,672 $3,244 3.75%
    36% 224 $61,510,000 $274,598 $3,290 3.78%
    45% 102 $22,160,000 $217,255 $3,265 2.98%
    47% 96 $19,170,000 $199,688 $3,372 3.01%
    48% 86 $17,230,000 $200,349 $2,836 3.09%
    46% 79 $17,325,000 $219,304 $3,377 2.99%
    49% 69 $14,625,000 $211,957 $3,543 3.03%
    50-60% 54 $12,500,000 $231,481 $5,857 2.97%
    >60% 12 $5,980,000 $498,333 $4,266 3.63%

    Tcf National Bank lent most frequently to those with DTI ratios of 20-30%, with 1,908 originations. The next most common DTI ratio? 30-36%, with 1,403 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 5,530 $1,377,620,000 $249,118 $3,115 3.65%
    Not provided 1,131 $309,055,000 $273,258 $3,376 3.70%
    Not applicable 29 $77,465,000 $2,671,207 $0 3.68%
    Asian 301 $71,135,000 $236,329 $3,768 4.13%
    Black 183 $35,735,000 $195,273 $3,507 3.73%
    Asian Indian 28 $11,000,000 $392,857 $4,293 3.71%
    American Indian 18 $4,370,000 $242,778 $2,825 3.33%
    Other Asian 9 $3,385,000 $376,111 $5,756 3.04%
    Native Hawaiian or Islander 3 $1,085,000 $361,667 $3,850 5.04%
    Filipino 5 $825,000 $165,000 $2,009 3.30%
    Vietnamese 1 $615,000 $615,000 $3,271 3.00%
    Chinese 2 $550,000 $275,000 $0 5.74%
    Japanese 2 $230,000 $115,000 $3,465 4.37%
    Samoan 1 $115,000 $115,000 $4,052 3.00%

    Approval Rates

    Total approvals of all applications
    90.37%

    Tcf National Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    69.24%

    Tcf National Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 7,243 $1,893,185,000 $261,381

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    7,243 $1,893,185,000 $261,381

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 909 $174,365,000 $191,821 $2,351 4.37%
    40-60% 1,063 $249,715,000 $234,915 $2,518 2.98%
    60-80% 2,016 $625,280,000 $310,159 $3,064 3.06%
    80-100% 1,793 $710,435,000 $396,227 $3,934 2.97%
    Over 100% 12 $4,310,000 $359,167 $14,430 2.84%
    Under 20% 1,450 $129,080,000 $89,021 $619 5.50%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    TCF NATIONAL BANK Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 5 11.9%
    TCF NATIONAL BANK Conventional home mortgage Closing on a mortgage 3 7.1%
    TCF NATIONAL BANK Conventional home mortgage Trouble during payment process 16 38.1%
    TCF NATIONAL BANK FHA mortgage Trouble during payment process 1 2.4%
    TCF NATIONAL BANK Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 2 4.8%
    TCF NATIONAL BANK Home equity loan or line of credit (HELOC) Closing on a mortgage 2 4.8%
    TCF NATIONAL BANK Home equity loan or line of credit (HELOC) Struggling to pay mortgage 1 2.4%
    TCF NATIONAL BANK Home equity loan or line of credit (HELOC) Trouble during payment process 9 21.4%
    TCF NATIONAL BANK Other type of mortgage Trouble during payment process 3 7.1%