Isabella Bank mortgage approval rate & lending review
Isabella Bank decided 379 mortgage applications and funded 300 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Isabella Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Isabella Bank at a glance
Approval is 1.1 points below the 80.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 74% | 131 / 176 | 100% | $225K | 131 |
| Home improvement loans | 72% | 44 / 61 | 100% | $55K | 44 |
| Refinance | 85% | 44 / 52 | 98% | $95K | 43 |
| Investment property purchase | 93% | 57 / 61 | 100% | $75K | 57 |
Isabella Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Michigan | 79% | $95K | 379 | 300 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Isabella Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Saginaw County, MI | Mortgage lenders | 71% | 106 | 75 |
| Saginaw County, MI | Investment property purchase | 92% | 40 | 37 |
| Saginaw County, MI | Home improvement loans | 67% | 42 | 28 |
| Bay County, MI | Mortgage lenders | 76% | 33 | 25 |
| Saginaw County, MI | Refinance | 80% | 25 | 19 |
The county markets where Isabella Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Isabella Bank
What is Isabella Bank's mortgage approval rate?
Isabella Bank approved 79.4% of the 379 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 1.1 points below the 80.5% national rate for the same mix of loan types.
How often do borrowers take the loan Isabella Bank offers?
Borrowers accepted 100% of the loans Isabella Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Isabella Bank make?
The typical home purchase mortgage loan Isabella Bank made was $225K; across all loan types its typical loan ran from $55K to $225K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Isabella Bank lend?
Isabella Bank decided applications in 1 of the states Fat Boy Data covers, most of them in Michigan.
Can I apply to Isabella Bank directly?
Yes. Isabella Bank is a bank or credit union with 32 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Isabella Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Isabella Bank treats applications, then get a rate quote from the lender.