Commercial Bank in Michigan vs the state
31.4%Denial rate+12.85 pts vs state
43.2%Decision denial rate+20.66 pts vs state
41.2%Origination rate-18.71 pts vs state
—Median rate
—Rate spread (pts)
$92kMedian applicant income
21Loans originated
16Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 112 | 61 | 23.2% | — | #254 |
| 2024 | 74 | 50 | 10.8% | — | #302 |
| 2025 | 51 | 21 | 31.4% | — | #348 |
What Commercial Bank lends in Michigan
By loan purpose
By loan type
Where in Michigan
Counties with the most Commercial Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gratiot County | 24 | 11 | 4 | 16.7% |
| Ingham County | 5 | 1 | 3 | 60.0% |
| Barry County | 5 | 2 | 2 | 40.0% |
| Ottawa County | 2 | 0 | 2 | 100.0% |
| Montcalm County | 2 | 1 | 1 | 50.0% |
| Oakland County | 1 | 0 | 1 | 100.0% |
| Oceana County | 1 | 1 | 0 | 0.0% |
| Washtenaw County | 1 | 0 | 0 | 0.0% |
| Clare County | 1 | 1 | 0 | 0.0% |
| Allegan 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: 51 applications in 2025, of which 21 were originated and 16 denied.
31.4% of all applications, or 43.2% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Commercial 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