County National Bank in Michigan vs the state
9.8%Denial rate-8.77 pts vs state
12.2%Decision denial rate-10.43 pts vs state
69.4%Origination rate+9.47 pts vs state
—Median rate
—Rate spread (pts)
$95kMedian applicant income
249Loans originated
35Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 346 | 266 | 9.5% | 6.88% | #136 |
| 2024 | 316 | 242 | 10.8% | — | #156 |
| 2025 | 359 | 249 | 9.8% | — | #155 |
What County National Bank lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most County National Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 135 | 96 | 17 | 12.6% |
| Hillsdale County | 109 | 76 | 9 | 8.3% |
| Lenawee County | 56 | 30 | 5 | 8.9% |
| Calhoun County | 12 | 9 | 3 | 25.0% |
| Washtenaw County | 6 | 4 | 0 | 0.0% |
| Ingham County | 5 | 4 | 0 | 0.0% |
| Branch County | 4 | 3 | 0 | 0.0% |
| Wayne County | 4 | 3 | 0 | 0.0% |
| Saginaw County | 3 | 3 | 0 | 0.0% |
| Monroe County | 3 | 2 | 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: 359 applications in 2025, of which 249 were originated and 35 denied.
9.8% of all applications, or 12.2% 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 County National 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