Commercial Bank
Commercial Bank received 51 applications in 2025 and made 21 mortgages, in 18 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $205,000. Of 37 decisions, 16 were denials — 43.2%.
| Legal Entity Identifier | 549300FTVK4FVXS1IW37 |
|---|---|
| Applications received | 51 |
| Mortgages made | 21 |
| Denied | 16 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 14 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: The Commercial Bank, 5 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 12 | Not published | $255,000 | 45.5% |
| Refinancing | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 5 | Under 10 loans | Under 10 loans | 50.0% |
| Other purposes | 2 | Under 10 loans | Under 10 loans | 33.3% |
Where Commercial Bank lends most
The 18 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Gratiot County, MI | 11 | Not published | 26.7% |
| Barry County, MI | 2 | Under 10 loans | 50.0% |
| Allegan County, MI | 1 | Under 10 loans | 0.0% |
| Calhoun County, MI | 1 | Under 10 loans | 0.0% |
| Clare County, MI | 1 | Under 10 loans | 0.0% |
| Ingham County, MI | 1 | Under 10 loans | 75.0% |
| Kent County, MI | 1 | Under 10 loans | 0.0% |
| Livingston County, MI | 1 | Under 10 loans | 0.0% |
| Montcalm County, MI | 1 | Under 10 loans | 50.0% |
| Oceana County, MI | 1 | Under 10 loans | 0.0% |
| Bay County, MI | 0 | Under 10 loans | Not published |
| Isabella County, MI | 0 | Under 10 loans | 100.0% |
| Midland County, MI | 0 | Under 10 loans | 100.0% |
| Newaygo County, MI | 0 | Under 10 loans | Not published |
| Oakland County, MI | 0 | Under 10 loans | 100.0% |
| Ottawa County, MI | 0 | Under 10 loans | 100.0% |
| Shiawassee County, MI | 0 | Under 10 loans | 100.0% |
| Washtenaw County, MI | 0 | Under 10 loans | Not published |
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When Commercial Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.