Applications / Mortgage Analytics / Lenders / Michigan / Commercial Bank
Ithaca, MI · State non-member bank · FDIC · $554 million assets · 21 loans in 2025
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21
loans originated, 2025
51
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Commercial Bank, a central Michigan bank, has cut its home lending in each of the past five years, from 334 loans in 2020 to 21 in 2025.
Its loans fell 58% in 2025 alone. Similar lenders, state non-member banks making between half and twice as many loans, fell 12%, and the whole market grew 10%. The slide began after 2020 and has not paused since. The bank may have chosen to make fewer home loans, or lost borrowers to the large national lenders that lead its biggest market.
It lends in ten counties of one state, most of all in non-metro Michigan, with smaller amounts in the Grand Rapids, Battle Creek and Lansing areas. Its share of each metro market is 0.1% or less. In Lansing it ranks 300th of 333 lenders; The Dart Bank leads there.
Of its 21 loans, 57.1% financed a purchase and 33.3% a refinance, and all were conventional. Its typical loan was $205,000, against $175,000 at similar banks. On so few loans its shares of lending to poorer borrowers and of manufactured homes rest on a handful of loans each.
The bank took its present name in 1992 and first reported under the home-lending disclosure law in 1997. It absorbed Mainstreet Savings Bank in 2010 and Mason State Bank in 2017. Both mergers came well before the recent fall in its own lending.
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
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Commercial Bank took 51 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 57.1% · Refinance 33.3% · Other 9.5%
Conventional 100.0% · of 21 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 | 21 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Grand Rapids-Wyoming-Kentwood | 4 |
| Battle Creek | 1 |
| Lansing-East Lansing | 1 |
| Warren-Troy-Farmington Hills | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300FTVK4FVXS1IW37 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 513340 | 2011–2023 |
| Respondent ID (the HMDA filer code before 2018) | 318584 | 1997–2017 |
Established 29 August 1962. Reported under HMDA 1997-2025.
Mergers, name changes, data editions and corrections: Commercial Bank's data.
Commercial Bank's data
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Commercial 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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