Plains Commerce Bank in Michigan vs the state
5.8%Denial rate-12.72 pts vs state
9.2%Decision denial rate-13.39 pts vs state
57.0%Origination rate-2.89 pts vs state
6.63%Median rate-0.13 pts vs state
0.35Rate spread (pts)-0.05 pts vs state
$125kMedian applicant income
167Loans originated
17Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 435 | 242 | 1.2% | 6.88% | #119 |
| 2024 | 514 | 308 | 1.4% | 6.88% | #113 |
| 2025 | 293 | 167 | 5.8% | 6.63% | #174 |
What Plains Commerce Bank lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Plains Commerce Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oakland County | 87 | 50 | 3 | 3.4% |
| Wayne County | 48 | 28 | 3 | 6.3% |
| Macomb County | 45 | 28 | 3 | 6.7% |
| Kent County | 15 | 10 | 1 | 6.7% |
| Genesee County | 13 | 7 | 0 | 0.0% |
| Livingston County | 12 | 7 | 1 | 8.3% |
| Saginaw County | 8 | 6 | 0 | 0.0% |
| Monroe County | 8 | 2 | 0 | 0.0% |
| Washtenaw County | 5 | 3 | 0 | 0.0% |
| Kalamazoo County | 5 | 0 | 2 | 40.0% |
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: 293 applications in 2025, of which 167 were originated and 17 denied.
5.8% of all applications, or 9.2% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Plains Commerce Bank originated in Michigan in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Plains Commerce 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