NBKC Bank in Michigan vs the state
10.9%Denial rate-7.58 pts vs state
15.6%Decision denial rate-7.02 pts vs state
57.3%Origination rate-2.60 pts vs state
6.13%Median rate-0.63 pts vs state
-0.08Rate spread (pts)-0.48 pts vs state
$134kMedian applicant income
110Loans originated
21Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 157 | 81 | 12.7% | 6.38% | #212 |
| 2024 | 232 | 132 | 7.3% | 6.25% | #183 |
| 2025 | 192 | 110 | 10.9% | 6.13% | #214 |
What NBKC Bank lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most NBKC Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oakland County | 38 | 23 | 1 | 2.6% |
| Kent County | 20 | 11 | 3 | 15.0% |
| Macomb County | 13 | 7 | 3 | 23.1% |
| Wayne County | 12 | 4 | 4 | 33.3% |
| Livingston County | 10 | 8 | 1 | 10.0% |
| Ottawa County | 10 | 5 | 2 | 20.0% |
| Genesee County | 8 | 2 | 0 | 0.0% |
| Kalamazoo County | 8 | 6 | 0 | 0.0% |
| Washtenaw County | 7 | 3 | 2 | 28.6% |
| Lenawee County | 5 | 4 | 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: 192 applications in 2025, of which 110 were originated and 21 denied.
10.9% of all applications, or 15.6% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans NBKC Bank originated in Michigan in 2025 was 6.13%, against a statewide median of 6.75%.
About this data. Figures are NBKC 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