Thumb Bank and Trust in Michigan vs the state
19.2%Denial rate+0.71 pts vs state
19.2%Decision denial rate-3.35 pts vs state
77.6%Origination rate+17.67 pts vs state
—Median rate
—Rate spread (pts)
$82kMedian applicant income
121Loans originated
30Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 182 | 132 | 20.9% | — | #189 |
| 2024 | 171 | 121 | 21.1% | — | #211 |
| 2025 | 156 | 121 | 19.2% | — | #236 |
What Thumb Bank and Trust lends in Michigan
By loan purpose
By loan type
Where in Michigan
Counties with the most Thumb Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sanilac County | 68 | 57 | 10 | 14.7% |
| Huron County | 36 | 26 | 7 | 19.4% |
| Tuscola County | 20 | 13 | 7 | 35.0% |
| Saginaw County | 5 | 3 | 2 | 40.0% |
| Bay County | 4 | 3 | 1 | 25.0% |
| Clare County | 4 | 3 | 1 | 25.0% |
| Barry County | 3 | 3 | 0 | 0.0% |
| St. Clair County | 3 | 3 | 0 | 0.0% |
| Osceola County | 2 | 1 | 0 | 0.0% |
| Oakland County | 2 | 2 | 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: 156 applications in 2025, of which 121 were originated and 30 denied.
19.2% of all applications, or 19.2% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Thumb Bank and Trust'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