Macatawa Bank, N. A. at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
15th22.5% deniedProcesswithdrawn + incomplete share, weight 15%
74th6.3%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 842 | 597 | 15.9% | 18.2% | 6.38% | $133M |
| 2024 | 600 | 423 | 17.2% | 19.4% | — | $99M |
| 2025 | 285 | 206 | 21.1% | 22.5% | — | $50M |
What Macatawa Bank, N. A. lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 2 manufactured homes, 9 investment properties.
Why Macatawa Bank, N. A. denies applications
Primary reason reported for each of the 60 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Macatawa Bank, N. A.
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 26 | 11 | 53.9% |
| $50k – $100k | 83 | 56 | 30.0% |
| $100k – $150k | 67 | 52 | 17.5% |
| $150k – $250k | 53 | 42 | 16.0% |
| Over $250k | 33 | 24 | 7.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 47 | 36 | 18.2% |
| 45–54 | 63 | 44 | 22.8% |
| 55–64 | 82 | 58 | 23.7% |
| 65–74 | 47 | 33 | 26.1% |
Where Macatawa Bank, N. A. lends
5 states and 24 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Michigan | 277 | 199 | 21.7% | — | #181 |
Frequently asked questions
Macatawa Bank, N. A. denied 22.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 15th percentile of small mortgage lenders.
The most common reason Macatawa Bank, N. A. gave in 2025 was "debt-to-income ratio", cited on 66.7% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 13% of its applications were for home purchases, 26% for refinancing (including cash-out), and 61% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.