Applications / Mortgage Analytics / Lenders / Michigan / Superior National Bank
Hancock, MI · National bank · OCC · $1.0 billion assets · 741 loans in 2025
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741
loans originated, 2025
859
applications, 2025
14
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Superior National Bank is a Michigan bank that lends mainly for home purchases, 80.4% of its loans, and whose lending grew 12% in 2025, faster than similar lenders' 7%.
Purchases were 80.4% of its loans and refinances 15.5%. Its typical loan, $245,000, was larger than at about two-thirds of similar lenders (national banks making between half and twice as many loans), where it was $205,000. FHA loans (insured by the Federal Housing Administration) were 6.5%, against 2.0% at peers.
Originations rose 12% to 741, while similar lenders grew 7% and the whole market 10%. It first reported in 2021, with 461 loans; its total peaked at 1,111 in 2022.
LMI (low- and moderate-income) borrowers took 31.1% of its loans and LMI areas 18.9%, against 25.7% and 15.7% at similar lenders; both are higher than about seven in ten of them. It turned down 2.4% of home-purchase applications, lower than nearly nine in ten peers, where the rate was 6.2%.
It lent in 14 states and 29 metros. Its share rose to 0.2% in Grand Rapids-Wyoming-Kentwood, Ann Arbor and Flint, where it ranked 73 of 436, 58 of 310 and 86 of 285, and it ranked 53 of 606 lenders in non-metro Michigan. In 2025 it first lent in Lexington Park, MD, Bridgeport-Stamford-Danbury, CT and Roanoke, VA.
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Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2021–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Superior National Bank took 859 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 80.4% · Refinance 15.5% · Home improvement 2.8% · Other 1.2%
Conventional 92.4% · FHA 6.5% · VA 0.9% · USDA (RHS or FSA) 0.1% · of 741 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Michigan | 720 | 97.2% |
| Florida | 5 | 0.7% |
| Illinois | 2 | 0.3% |
| New York | 2 | 0.3% |
| Wisconsin | 2 | 0.3% |
| Alabama | 1 | 0.1% |
| Arizona | 1 | 0.1% |
| California | 1 | 0.1% |
| Connecticut | 1 | 0.1% |
| Maryland | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Warren-Troy-Farmington Hills | 412 |
| Detroit-Dearborn-Livonia | 65 |
| Grand Rapids-Wyoming-Kentwood | 36 |
| Ann Arbor | 12 |
| Flint | 9 |
| Traverse City | 6 |
| Lansing-East Lansing | 3 |
| Monroe | 3 |
| Fort Lauderdale-Pompano Beach-Sunrise | 2 |
| Jackson | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549003SYL72OG7Y6S21 | 2021–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 245557 | 2022–2023 |
Established 6 March 1890. Reported under HMDA 2021-2025.
Mergers, name changes, data editions and corrections: Superior National Bank's data.
Superior National Bank's data
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Superior National Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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