Centier Bank in Michigan vs the state
25.0%Denial rate+6.48 pts vs state
30.4%Decision denial rate+7.85 pts vs state
57.1%Origination rate-2.75 pts vs state
7.94%Median rate+1.19 pts vs state
0.95Rate spread (pts)+0.55 pts vs state
$122kMedian applicant income
16Loans originated
7Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 489 | 157 | 8.8% | 8.25% | #113 |
| 2024 | 177 | 45 | 5.1% | 8.95% | #205 |
| 2025 | 28 | 16 | 25.0% | 7.94% | #396 |
What Centier Bank lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Centier Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Berrien County | 9 | 7 | 1 | 11.1% |
| Cass County | 7 | 2 | 3 | 42.9% |
| St. Joseph County | 4 | 1 | 1 | 25.0% |
| Kent County | 3 | 2 | 1 | 33.3% |
| Huron County | 1 | 1 | 0 | 0.0% |
| Leelanau County | 1 | 1 | 0 | 0.0% |
| Allegan County | 1 | 1 | 0 | 0.0% |
| Ottawa County | 1 | 1 | 0 | 0.0% |
| Oakland County | 1 | 0 | 1 | 100.0% |
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: 28 applications in 2025, of which 16 were originated and 7 denied.
25.0% of all applications, or 30.4% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Centier Bank originated in Michigan in 2025 was 7.94%, against a statewide median of 6.75%.
About this data. Figures are Centier 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