Lenders › CBNA Year to Date › Michigan
CBNA Year to Date in Michigan
HMDA record for properties in Michigan, calendar year 2024. National record · Michigan overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
CBNA Year to Date's 2024 HMDA record for Michigan covers 5,265 applications, 2,848 of them originated, worth $460m.
Its denial rate in the state was 35.9%, above the Michigan rate of 23.9% across all lenders and compared with the lender's national rate of 35.2%.
The median rate spread on its Michigan originations was 0.8 percentage points (state median 0.5).
Applications in the state were down 21% on 2023.
Compared with the state and the lender's national record
| Measure | In Michigan | Michigan, all lenders | CBNA Year to Date, all states | United States |
|---|---|---|---|---|
| Denial rate | 35.9% | 23.9% | 35.2% | 24.3% |
| Median rate spread, pp | 0.8 | 0.5 | 0.7 | 0.3 |
| Originations with spread of 1.5 pp or more | 28.5% | 18.4% | 27.4% | 15.6% |
| Average originated loan | $162k | $212k | $272k | $329k |
| Home purchase share | 13.8% | 51.2% | 19.0% | 57.0% |
| FHA-insured share | 1.4% | 10.0% | 1.2% | 13.4% |
| VA-guaranteed share | 0.1% | 4.5% | 0.3% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMichigan, all lenders
Loan purpose and loan type in Michigan
By purpose
Home purchase 14% (394)Home improvement 28% (809)Refinancing 26% (750)Cash-out refinancing 3% (84)Other purpose 28% (811)
By type
Conventional 99% (2,806)FHA 1% (39)VA 0% (3)
Denial reasons as coded
Share of 1,663 denials in Michigan by first denial reason coded (outlined bar: all lenders in the state).
Counties in Michigan
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Wayne County | 1,982 | 966 | $132m | 41.8% |
| Oakland County | 1,200 | 712 | $155m | 30.0% |
| Macomb County | 939 | 541 | $79m | 32.5% |
| Washtenaw County | 140 | 84 | $18m | 27.7% |
| Livingston County | 130 | 83 | $17m | 28.1% |
| Shiawassee County | 92 | 51 | $5.3m | 32.9% |
| Monroe County | 84 | 51 | $5.4m | 33.8% |
| Genesee County | 80 | 44 | $4.2m | 32.4% |
| St. Clair County | 55 | 32 | $4.0m | 28.3% |
| Saginaw County | 52 | 26 | $2.6m | 38.6% |
| Lapeer County | 42 | 25 | $4.4m | 31.6% |
| Kent County | 48 | 21 | $3.0m | 38.5% |
| Ottawa County | 28 | 18 | $4.3m | 30.8% |
| Jackson County | 25 | 16 | $2.2m | — |
| Ingham County | 36 | 15 | $1.4m | 42.3% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did CBNA Year to Date originate in Michigan in 2024?
2,848 loans totalling $460m, from 5,265 applications reported for properties in Michigan.
What is CBNA Year to Date's denial rate in Michigan?
35.9% of decided applications in Michigan were denied, against 23.9% for all lenders in the state and 35.2% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Michigan counties does CBNA Year to Date lend in most?
By originations: Wayne County (966), Oakland County (712), Macomb County (541), Washtenaw County (84), Livingston County (83).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Michigan. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.