Lender in Michigan · HMDA 2025
Isabella Bank mortgages in Michigan
Isabella Bank's 2025 home-purchase and refinance lending in Michigan, compared with all lenders in the state.
Isabella Bank originated 280 owner-occupied single-family loans in Michigan from 334 completed applications.
Its median conventional purchase loan costs were $3,450 versus $4,140 for all Michigan lenders, at a median 30-year fixed rate of 6.625% (Michigan: 6.625%).
Loans in MI
280
of 334 applications
Denial rate
15.6%
Purchase · MI 7.8%
Rate spread
−0.24 pts
Conv. · MI +0.23 pts
Loan amount
$265,000
Purchase · MI $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 244 | 204 | 15.6% | 6.625% | −0.24 pts | $3,450 | $265,000 |
| Refinance | 73 | 59 | 16.4% | — | −0.22 pts | $2,840 | $145,000 |
| Cash-out refinance | 17 | 17 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Michigan counties where Isabella Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Isabella County | 1 | 84 | 14.2% |
| Clare County | 4 | 24 | 5.7% |
| Mecosta County | 5 | 26 | 5.5% |
| Gratiot County | 6 | 14 | 3.3% |
| Midland County | 7 | 39 | 3.5% |
| Montcalm County | 9 | 25 | 2.6% |
| Saginaw County | 16 | 33 | 1.5% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology