TCF FINANCIAL CORPORATION

EXHIBIT 21

Subsidiaries of Registrant

(As of December 31, 2001)

		Names under which Subsidiary
Subsidiary	State of Incorporation	Does Business
TCF Financial Insurance Agency, Inc.	Minnesota	TCF Financial Insurance
		Agency, Inc.
		TCF Insurance
TCF Securities, Inc.	Minnesota	TCF Securities, Inc.
		GLB Securities (MI)
TCF Foundation	Minnesota	TCF Foundation
TCF Mortgage Corporation	Minnesota	TCF Mortgage Corporation
TCF Management Corporation	Minnesota	TCF Management Corporation
TCF Agency, Inc.	Minnesota	TCF Agency Minnesota, Inc.
		TCF Agency Minnesota
		TCF Insurance Agency Minnesota, Inc. (UT)
TCF Agency Insurance Services, Inc.	Minnesota	TCF Agency Insurance Services, Inc.
Winthrop Resources Corporation	Minnesota	Winthrop Resources Corporation
		TCF Small Business Leasing
TCF Leasing, Inc.		TCF Leasing, Inc.
		WINR Business Credit
		TCF Express Leasing
TCF National Bank	United States	Great Lakes National Bank Michigan
		TCF National Bank — Minnesota
		TCF National Bank — Michigan
		TCF National Bank — Illinois
		TCF National Bank — Wisconsin
		TCF National Bank — Lakeshore

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		Names under which Subsidiary
Subsidiary	State of Incorporation	Does Business
Service Corporation II	Michigan	Service Corporation II
Lakeland Group Insurance Agency, Inc.	Michigan	Lakeland Group Insurance Agency, Inc.
TCF Colorado Corporation	Colorado	TCF Colorado Corporation
TCF National Bank Colorado	United States	TCF National Bank Colorado
Great Lakes Mortgage LLC	Michigan	Great Lakes Mortgage LLC
TCF Investments Management, Inc.	Minnesota	TCF Investments Management, Inc.
TCF Investment Holdings III, Inc.	Minnesota	TCF Investment Holdings III, Inc.
TCF Express Trade Inc.	Minnesota	Express Trade
		TCF Express Trade
TCF Investment Holdings V, Inc.	Minnesota	TCF Investment Holdings V, Inc.
TCF Real Estate Investments, Inc.	Minnesota	TCF Real Estate Investments, Inc.
TCF Illinois Realty Investments, LLC	Minnesota	TCF Illinois Realty Investments, LLC
TCF Wisconsin Real Estate	Minnesota	TCF Wisconsin Real Estate
Investments, Inc.		Investments, Inc.
GLB Real Estate Investments, Inc.	Minnesota	GLB Real Estate Investments, Inc.

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