Thumb Bank and Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
23rd18.3% deniedProcesswithdrawn + incomplete share, weight 15%
95th0.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 186 | 135 | 21.0% | 21.0% | — | $19M |
| 2024 | 175 | 125 | 20.6% | 20.6% | — | $22M |
| 2025 | 164 | 128 | 18.3% | 18.3% | — | $30M |
What Thumb Bank and Trust lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 13 manufactured homes, 28 investment properties.
Who gets approved at Thumb Bank and Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 24 | 16 | 29.2% |
| $50k – $100k | 68 | 48 | 25.0% |
| $100k – $150k | 21 | 17 | 19.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 24 | 19 | 20.8% |
| 35–44 | 33 | 26 | 18.2% |
| 45–54 | 34 | 26 | 20.6% |
| 65–74 | 23 | 18 | 13.0% |
Where Thumb Bank and Trust lends
6 states and 25 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Michigan | 156 | 121 | 19.2% | — | #236 |
Frequently asked questions
Thumb Bank and Trust denied 18.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 23rd percentile of small mortgage lenders.
In 2025, 47% of its applications were for home purchases, 30% for refinancing (including cash-out), and 23% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.