Old Second National Bank in Michigan vs the state
17.2%Denial rate-1.28 pts vs state
27.8%Decision denial rate+5.20 pts vs state
41.4%Origination rate-18.51 pts vs state
7.25%Median rate+0.50 pts vs state
0.74Rate spread (pts)+0.35 pts vs state
$85kMedian applicant income
12Loans originated
5Denied
What Old Second National Bank lends in Michigan
By loan purpose
By loan type
Where in Michigan
Counties with the most Old Second National Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ottawa County | 6 | 2 | 1 | 16.7% |
| Macomb County | 3 | 0 | 1 | 33.3% |
| Monroe County | 3 | 2 | 1 | 33.3% |
| Lapeer County | 2 | 1 | 0 | 0.0% |
| Livingston County | 2 | 1 | 0 | 0.0% |
| Oakland County | 2 | 2 | 0 | 0.0% |
| Kent County | 2 | 0 | 1 | 50.0% |
| Berrien County | 1 | 1 | 0 | 0.0% |
| Clinton County | 1 | 1 | 0 | 0.0% |
| Washtenaw County | 1 | 0 | 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: 29 applications in 2025, of which 12 were originated and 5 denied.
17.2% of all applications, or 27.8% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Old Second National Bank originated in Michigan in 2025 was 7.25%, against a statewide median of 6.75%.
About this data. Figures are Old Second 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