Bison State Bank in Michigan vs the state
6.3%Denial rate-12.27 pts vs state
12.5%Decision denial rate-10.08 pts vs state
43.8%Origination rate-16.14 pts vs state
6.49%Median rate-0.26 pts vs state
-0.05Rate spread (pts)-0.45 pts vs state
$175kMedian applicant income
7Loans originated
1Denied
What Bison State Bank lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Bison State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wayne County | 4 | 3 | 0 | 0.0% |
| Oakland County | 3 | 1 | 0 | 0.0% |
| Macomb County | 2 | 1 | 0 | 0.0% |
| Grand Traverse County | 2 | 1 | 0 | 0.0% |
| Ottawa County | 1 | 0 | 1 | 100.0% |
| Calhoun County | 1 | 0 | 0 | 0.0% |
| Washtenaw County | 1 | 0 | 0 | 0.0% |
| Kent County | 1 | 0 | 0 | 0.0% |
| Leelanau County | 1 | 1 | 0 | 0.0% |
Other large lenders in Michigan
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 30,644 | 16.3% | 6.75% |
| United Shore Financial Services | B | 29,330 | 11.7% | 6.60% |
| The Huntington National Bank | D | 20,047 | 30.0% | 7.49% |
| Lake Michigan Credit Union | A | 16,662 | 5.6% | 6.75% |
| Fifth Third Bank | D | 11,176 | 26.4% | 7.50% |
| 21st Mortgage | F | 7,424 | 53.4% | 11.04% |
| Citizens Bank | C | 6,592 | 29.0% | 7.65% |
| Triad Financial Services | D | 6,426 | 56.1% | 8.49% |
| Union Home Mortgage | B | 5,303 | 4.3% | 6.75% |
| PNC Bank | D | 5,161 | 26.3% | 7.36% |
Frequently asked questions
Michigan: 16 applications in 2025, of which 7 were originated and 1 denied.
6.3% of all applications, or 12.5% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Bison State Bank originated in Michigan in 2025 was 6.49%, against a statewide median of 6.75%.
About this data. Figures are Bison State Bank's own HMDA filing for properties located in Michigan, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology