Isabella Bank in Michigan vs the state
14.4%Denial rate-4.15 pts vs state
16.1%Decision denial rate-6.46 pts vs state
74.0%Origination rate+14.13 pts vs state
6.38%Median rate-0.38 pts vs state
0.14Rate spread (pts)-0.26 pts vs state
$94kMedian applicant income
778Loans originated
151Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,003 | 740 | 14.4% | 6.38% | #71 |
| 2024 | 956 | 662 | 15.8% | 6.25% | #74 |
| 2025 | 1,051 | 778 | 14.4% | 6.38% | #71 |
What Isabella Bank lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Isabella Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Isabella County | 296 | 220 | 36 | 12.2% |
| Saginaw County | 129 | 84 | 25 | 19.4% |
| Midland County | 117 | 86 | 15 | 12.8% |
| Mecosta County | 116 | 92 | 19 | 16.4% |
| Montcalm County | 91 | 73 | 13 | 14.3% |
| Clare County | 85 | 57 | 21 | 24.7% |
| Gratiot County | 60 | 47 | 5 | 8.3% |
| Bay County | 26 | 21 | 3 | 11.5% |
| Kent County | 24 | 19 | 3 | 12.5% |
| Gladwin County | 13 | 7 | 3 | 23.1% |
Other large lenders in Michigan
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 30,644 | 16.3% | 6.75% |
| United Shore Financial Services | B | 29,330 | 11.7% | 6.60% |
| The Huntington National Bank | D | 20,047 | 30.0% | 7.49% |
| Lake Michigan Credit Union | A | 16,662 | 5.6% | 6.75% |
| Fifth Third Bank | D | 11,176 | 26.4% | 7.50% |
| 21st Mortgage | F | 7,424 | 53.4% | 11.04% |
| Citizens Bank | C | 6,592 | 29.0% | 7.65% |
| Triad Financial Services | D | 6,426 | 56.1% | 8.49% |
| Union Home Mortgage | B | 5,303 | 4.3% | 6.75% |
| PNC Bank | D | 5,161 | 26.3% | 7.36% |
Frequently asked questions
Michigan: 1,051 applications in 2025, of which 778 were originated and 151 denied.
14.4% of all applications, or 16.1% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Isabella Bank originated in Michigan in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are Isabella Bank's own HMDA filing for properties located in Michigan, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology