Macatawa Bank, N. A. in Michigan vs the state
21.7%Denial rate+3.14 pts vs state
23.1%Decision denial rate+0.50 pts vs state
71.8%Origination rate+11.95 pts vs state
—Median rate
—Rate spread (pts)
$110kMedian applicant income
199Loans originated
60Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 832 | 589 | 16.0% | 6.49% | #81 |
| 2024 | 597 | 422 | 17.1% | — | #103 |
| 2025 | 277 | 199 | 21.7% | — | #181 |
What Macatawa Bank, N. A. lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Macatawa Bank, N. A. applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ottawa County | 128 | 97 | 23 | 18.0% |
| Kent County | 71 | 45 | 20 | 28.2% |
| Allegan County | 54 | 38 | 15 | 27.8% |
| Van Buren County | 4 | 2 | 0 | 0.0% |
| Barry County | 3 | 1 | 1 | 33.3% |
| Montcalm County | 3 | 2 | 1 | 33.3% |
| Ingham County | 2 | 2 | 0 | 0.0% |
| Mason County | 2 | 2 | 0 | 0.0% |
| Oakland County | 2 | 2 | 0 | 0.0% |
| Lake County | 1 | 1 | 0 | 0.0% |
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: 277 applications in 2025, of which 199 were originated and 60 denied.
21.7% of all applications, or 23.1% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Macatawa Bank, N. A.'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