County National Bank mortgage approval rate & lending review
County National Bank decided 410 mortgage applications and funded 359 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions County National Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
County National Bank at a glance
Approval is 5.3 points above the 82.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 92% | 198 / 216 | 99% | $185K | 197 |
| Cash-out refinance | 72% | 38 / 53 | 100% | $155K | 38 |
| Refinance | 62% | 16 / 26 | 100% | $175K | 16 |
| Investment property purchase | 96% | 81 / 84 | 99% | $145K | 80 |
County National Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Michigan | 88% | $185K | 392 | 342 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where County National Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Jackson County, MI | Mortgage lenders | 92% | 154 | 141 |
| Jackson County, MI | Investment property purchase | 95% | 60 | 56 |
| Jackson County, MI | Cash-out refinance | 74% | 43 | 32 |
| Jackson County, MI | Refinance | 65% | 23 | 15 |
The county markets where County National Bank made the most loans. Each link opens that market with every lender ranked.
Questions about County National Bank
What is County National Bank's mortgage approval rate?
County National Bank approved 88.0% of the 410 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.3 points above the 82.7% national rate for the same mix of loan types.
How often do borrowers take the loan County National Bank offers?
Borrowers accepted 99% of the loans County National Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does County National Bank make?
The typical home purchase mortgage loan County National Bank made was $185K; across all loan types its typical loan ran from $145K to $185K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does County National Bank lend?
County National Bank decided applications in 9 of the states Fat Boy Data covers, most of them in Michigan, Ohio and Florida.
Can I apply to County National Bank directly?
Yes. County National Bank is a bank or credit union with 14 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show County National Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how County National Bank treats applications, then get a rate quote from the lender.