County National Bank
County National Bank received 368 applications in 2025 and made 256 mortgages, in 34 counties across 8 states. The median rate its borrowers got was Not published on a median loan of $185,000. Of 295 decisions, 35 were denials — 11.9%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300W07W12OUENKR02 |
|---|---|
| Applications received | 368 |
| Mortgages made | 256 |
| Denied | 35 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 73 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: County National Bank, 15 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 177 | Not published | $195,000 | 8.7% |
| Refinancing | 26 | Not published | $185,000 | 18.8% |
| Cash-out refinancing | 32 | Not published | $175,000 | 13.2% |
| Other purposes | 21 | Not published | $155,000 | 24.1% |
Where County National Bank lends most
The 34 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Jackson County, MI | 96 | Not published | 15.0% |
| Hillsdale County, MI | 76 | Not published | 10.3% |
| Lenawee County, MI | 30 | Not published | 13.5% |
| Calhoun County, MI | 9 | Under 10 loans | 25.0% |
| Ingham County, MI | 4 | Under 10 loans | 0.0% |
| Washtenaw County, MI | 4 | Under 10 loans | 0.0% |
| Branch County, MI | 3 | Under 10 loans | 0.0% |
| Saginaw County, MI | 3 | Under 10 loans | 0.0% |
| Wayne County, MI | 3 | Under 10 loans | 0.0% |
| Antrim County, MI | 2 | Under 10 loans | 0.0% |
| Clinton County, MI | 2 | Under 10 loans | 0.0% |
| Grand Traverse County, MI | 2 | Under 10 loans | 0.0% |
| Kalamazoo County, MI | 2 | Under 10 loans | 0.0% |
| Monroe County, MI | 2 | Under 10 loans | 0.0% |
| Matanuska-Susitna Borough, AK | 1 | Under 10 loans | 0.0% |
| Hillsborough County, FL | 1 | Under 10 loans | 0.0% |
| Kane County, IL | 1 | Under 10 loans | 0.0% |
| St. Joseph County, IN | 1 | Under 10 loans | 0.0% |
| Barry County, MI | 1 | Under 10 loans | 0.0% |
| Berrien County, MI | 1 | Under 10 loans | 0.0% |
| Emmet County, MI | 1 | Under 10 loans | 0.0% |
| Kalkaska County, MI | 1 | Under 10 loans | 0.0% |
| Kent County, MI | 1 | Under 10 loans | 0.0% |
| Livingston County, MI | 1 | Under 10 loans | 0.0% |
| Macomb County, MI | 1 | Under 10 loans | 0.0% |
| Manistee County, MI | 1 | Under 10 loans | 0.0% |
| Newaygo County, MI | 1 | Under 10 loans | 0.0% |
| Oakland County, MI | 1 | Under 10 loans | 0.0% |
| Oscoda County, MI | 1 | Under 10 loans | 0.0% |
| Craven County, NC | 1 | Under 10 loans | 0.0% |
| Lucas County, OH | 1 | Under 10 loans | 0.0% |
| Williamson County, TN | 1 | Under 10 loans | 0.0% |
| Montcalm County, MI | 0 | Under 10 loans | 100.0% |
| Ottawa County, MI | 0 | Under 10 loans | Not published |
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When County National 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.