Isabella Bank
Isabella Bank received 1,052 applications in 2025 and made 779 mortgages, in 52 counties across 2 states. The median rate its borrowers got was 6.375% on a median loan of $145,000. Of 938 decisions, 151 were denials — 16.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300XYX207IABFXL60 |
|---|---|
| Applications received | 1,052 |
| Mortgages made | 779 |
| Denied | 151 |
| Approved, not taken up | 8 |
| Withdrawn or incomplete | 114 |
| Loans bought from other lenders | 4 |
| Median rate spread over the prime offer rate | 0.14 points |
| FDIC-insured bank | Yes: Isabella Bank, 32 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 342 | 6.000% | $225,000 | 13.3% |
| Refinancing | 170 | 6.250% | $115,000 | 13.5% |
| Cash-out refinancing | 18 | 6.188% | $135,000 | 0.0% |
| Other purposes | 249 | 7.500% | $75,000 | 22.1% |
Where Isabella Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Isabella County, MI | 220 | 6.250% | 14.0% |
| Mecosta County, MI | 92 | 6.688% | 17.1% |
| Midland County, MI | 86 | 6.250% | 14.9% |
| Saginaw County, MI | 84 | 6.738% | 22.7% |
| Montcalm County, MI | 73 | 6.625% | 15.1% |
| Clare County, MI | 57 | 6.250% | 26.6% |
| Gratiot County, MI | 47 | 6.250% | 9.3% |
| Bay County, MI | 21 | 6.000% | 12.5% |
| Kent County, MI | 19 | 7.250% | 13.6% |
| Newaygo County, MI | 9 | Under 10 loans | 25.0% |
| Gladwin County, MI | 7 | Under 10 loans | 30.0% |
| Osceola County, MI | 6 | Under 10 loans | 12.5% |
| Genesee County, MI | 5 | Under 10 loans | 0.0% |
| Ionia County, MI | 4 | Under 10 loans | 0.0% |
| Lake County, MI | 3 | Under 10 loans | 0.0% |
| Manistee County, MI | 3 | Under 10 loans | 0.0% |
| Montmorency County, MI | 3 | Under 10 loans | 0.0% |
| Wexford County, MI | 3 | Under 10 loans | 0.0% |
| Antrim County, MI | 2 | Under 10 loans | 0.0% |
| Arenac County, MI | 2 | Under 10 loans | 0.0% |
| Cheboygan County, MI | 2 | Under 10 loans | 0.0% |
| Emmet County, MI | 2 | Under 10 loans | 0.0% |
| Ingham County, MI | 2 | Under 10 loans | 0.0% |
| Roscommon County, MI | 2 | Under 10 loans | 0.0% |
| Alcona County, MI | 1 | Under 10 loans | 0.0% |
| Alpena County, MI | 1 | Under 10 loans | 0.0% |
| Calhoun County, MI | 1 | Under 10 loans | 0.0% |
| Charlevoix County, MI | 1 | Under 10 loans | 0.0% |
| Chippewa County, MI | 1 | Under 10 loans | 0.0% |
| Clinton County, MI | 1 | Under 10 loans | 0.0% |
| Crawford County, MI | 1 | Under 10 loans | 0.0% |
| Eaton County, MI | 1 | Under 10 loans | 0.0% |
| Grand Traverse County, MI | 1 | Under 10 loans | 66.7% |
| Huron County, MI | 1 | Under 10 loans | 0.0% |
| Iosco County, MI | 1 | Under 10 loans | 0.0% |
| Kalkaska County, MI | 1 | Under 10 loans | 50.0% |
| Keweenaw County, MI | 1 | Under 10 loans | 0.0% |
| Leelanau County, MI | 1 | Under 10 loans | 0.0% |
| Livingston County, MI | 1 | Under 10 loans | 0.0% |
| Macomb County, MI | 1 | Under 10 loans | 0.0% |
| Marquette County, MI | 1 | Under 10 loans | 0.0% |
| Mason County, MI | 1 | Under 10 loans | 0.0% |
| Missaukee County, MI | 1 | Under 10 loans | 0.0% |
| Oakland County, MI | 1 | Under 10 loans | 0.0% |
| Ogemaw County, MI | 1 | Under 10 loans | 0.0% |
| Ottawa County, MI | 1 | Under 10 loans | 0.0% |
| Shiawassee County, MI | 1 | Under 10 loans | 0.0% |
| Tuscola County, MI | 1 | Under 10 loans | 0.0% |
| Sevier County, TN | 1 | Under 10 loans | 0.0% |
| Allegan County, MI | 0 | Under 10 loans | 100.0% |
Get told when this changes
When Isabella Bank’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.