Gaining in Jackson
Its share of lending rose in Jackson, MI, a market it entered in 1995. In non-metro Michigan it ranks 56 of 606.
Applications / Mortgage Analytics / Lenders / Michigan / County National Bank
County National Bank
Hillsdale, MI · National bank · OCC · $1.3 billion assets · 256 loans in 2025
County National Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
256
loans originated, 2025
368
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
County National Bank, of Hillsdale, Michigan, lent far more money in 2025 on barely more loans, and its share of lending in Jackson, MI rose.
More dollars, not more loans
Its loans rose only 2%, to 256, while similar lenders (national banks making between half and twice as many loans) grew by 5% and the whole market by 10%. Yet the amount it lent rose to $85.2 million from $59.0 million. Its typical loan barely moved, so a handful of larger loans may account for much of the rise.
A purchase lender
Purchases made up 69.1% of its loans and refinances 22.7%. Manufactured homes took 5.1%, against 1.6% at similar lenders, more than at nearly three-quarters of them. Its loan count is far below the 892 of 2020, a year in which refinancing may have carried more of its business.
Modest borrowers
Low- and moderate-income (LMI) borrowers took 29.2% of its loans, against 25.4% at similar lenders, more than at nearly two-thirds of them. LMI areas took 15.2%, near the middle of its peers.
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, 2018–2025
256 loans in 2025, against a peak of 892 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. County National Bank took 368 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
69.1% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 69.1% · Refinance 22.7% · Other 4.3% · Home improvement 3.9%
Conventional 100.0% · of 256 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
8 states, 18 metros, 32 counties
| State | Loans | Share |
|---|---|---|
| Michigan | 249 | 97.3% |
| Alaska | 1 | 0.4% |
| Florida | 1 | 0.4% |
| Illinois | 1 | 0.4% |
| Indiana | 1 | 0.4% |
| North Carolina | 1 | 0.4% |
| Ohio | 1 | 0.4% |
| Tennessee | 1 | 0.4% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Jackson | 96 |
| Battle Creek | 9 |
| Lansing-East Lansing | 6 |
| Ann Arbor | 4 |
| Detroit-Dearborn-Livonia | 3 |
| Saginaw | 3 |
| Traverse City | 3 |
| Warren-Troy-Farmington Hills | 3 |
| Grand Rapids-Wyoming-Kentwood | 2 |
| Kalamazoo-Portage | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300W07W12OUENKR02 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 682143 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 114062 | 1995–2017 |
Established 19 March 1934. Reported under HMDA 1995-2025.
Mergers, name changes, data editions and corrections: County National Bank's data.
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