First National Bank Texas in Michigan vs the state
11.1%Denial rate-7.41 pts vs state
11.1%Decision denial rate-11.47 pts vs state
88.9%Origination rate+29.00 pts vs state
6.56%Median rate-0.19 pts vs state
0.61Rate spread (pts)+0.21 pts vs state
$106kMedian applicant income
8Loans originated
1Denied
What First National Bank Texas lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most First National Bank Texas applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Manistee County | 3 | 3 | 0 | 0.0% |
| Bay County | 2 | 2 | 0 | 0.0% |
| Emmet County | 2 | 1 | 1 | 50.0% |
| Grand Traverse County | 1 | 1 | 0 | 0.0% |
| Kalkaska 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: 9 applications in 2025, of which 8 were originated and 1 denied.
11.1% of all applications, or 11.1% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans First National Bank Texas originated in Michigan in 2025 was 6.56%, against a statewide median of 6.75%.
About this data. Figures are First National Bank Texas'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