Thumb Bank and Trust
Thumb Bank and Trust received 164 applications in 2025 and made 128 mortgages, in 25 counties across 6 states. The median rate its borrowers got was Not published on a median loan of $115,000. Of 164 decisions, 30 were denials — 18.3%.
| Legal Entity Identifier | 549300EJVZTLWGR61E96 |
|---|---|
| Applications received | 164 |
| Mortgages made | 128 |
| Denied | 30 |
| Approved, not taken up | 6 |
| Withdrawn or incomplete | 0 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Thumb Bank and Trust, 13 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 56 | Not published | $170,000 | 20.8% |
| Refinancing | 20 | Not published | $60,000 | 4.8% |
| Cash-out refinancing | 23 | Not published | $95,000 | 20.7% |
| Other purposes | 29 | Not published | $45,000 | 18.9% |
Where Thumb Bank and Trust lends most
The 25 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Sanilac County, MI | 57 | Not published | 14.7% |
| Huron County, MI | 26 | Not published | 19.4% |
| Tuscola County, MI | 13 | Not published | 35.0% |
| Barry County, MI | 3 | Under 10 loans | 0.0% |
| Bay County, MI | 3 | Under 10 loans | 25.0% |
| Clare County, MI | 3 | Under 10 loans | 25.0% |
| Saginaw County, MI | 3 | Under 10 loans | 40.0% |
| St. Clair County, MI | 3 | Under 10 loans | 0.0% |
| Lake County, IL | 2 | Under 10 loans | 0.0% |
| Oakland County, MI | 2 | Under 10 loans | 0.0% |
| Montgomery County, OH | 2 | Under 10 loans | 0.0% |
| Pima County, AZ | 1 | Under 10 loans | 0.0% |
| Eaton County, MI | 1 | Under 10 loans | 0.0% |
| Jackson County, MI | 1 | Under 10 loans | 0.0% |
| Lapeer County, MI | 1 | Under 10 loans | 0.0% |
| Midland County, MI | 1 | Under 10 loans | 0.0% |
| Missaukee County, MI | 1 | Under 10 loans | 0.0% |
| Osceola County, MI | 1 | Under 10 loans | 0.0% |
| Ottawa County, MI | 1 | Under 10 loans | 0.0% |
| Presque Isle County, MI | 1 | Under 10 loans | 0.0% |
| Clark County, NV | 1 | Under 10 loans | 0.0% |
| Milwaukee County, WI | 1 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 0 | Under 10 loans | 0.0% |
| Manistee County, MI | 0 | Under 10 loans | 100.0% |
| Wayne County, MI | 0 | Under 10 loans | 100.0% |
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When Thumb Bank and Trust’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.