Applications / Mortgage Analytics / Lenders / Michigan / First National Bank of Michigan
Kalamazoo, MI · National bank · OCC · $986 million assets · 12 loans in 2025
First National Bank of Michigan's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
12
loans originated, 2025
12
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First National Bank of Michigan, a Kalamazoo national bank, now makes only a handful of home loans a year, and large ones: 12 in 2025, two-thirds of them refinances.
The bank made 52 loans in 2018 and 36 in 2019. It filed no report for 2020 to 2022, when a bank making fewer than 100 closed-end loans a year need not report, so those years are gaps in the record, not years without lending. Since it resumed, its count has fallen from 21 to 15 to 12. The typical similar lender, a national bank making between half and twice as many loans, made 21.
Its typical loan was $955,000, after $1.1 million the year before, against $185,000 at similar lenders. Two in five of its loans were jumbo, larger than the conforming limit, in both years, and all were conventional. On 12 loans, though, a single deal shifts every share, so these figures describe a few borrowers rather than a settled pattern.
Its largest markets are Muskegon-Norton Shores, which it entered in 2023, and non-metro Michigan, where it has lent since 2009. It also has loans in non-metro Indiana, Battle Creek and Cape Coral-Fort Myers in Florida. With loans this large, one or two deals can lift its standing in a small market sharply, so its rank there says little about its reach.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 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. First National Bank of Michigan took 12 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 66.7% · Purchase 33.3%
Conventional 100.0% · of 12 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 | 10 | 83.3% |
| Florida | 1 | 8.3% |
| Indiana | 1 | 8.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Muskegon-Norton Shores | 2 |
| Battle Creek | 1 |
| Cape Coral-Fort Myers | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900E8AB6YT3KRD187 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3404467 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 124637 | 2008–2017 |
Established 12 April 2006. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: First National Bank of Michigan's data.
First National Bank of Michigan's data
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First National Bank of Michigan 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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