Macatawa Bank, National Association mortgage approval rate & lending review
Macatawa Bank, National Association decided 886 mortgage applications and funded 751 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Macatawa Bank, National Association reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Macatawa Bank, National Association at a glance
Approval is 9.4 points above the 76.2% 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 | 97% | 278 / 287 | 99% | $295K | 275 |
| Home improvement loans | 70% | 155 / 220 | 100% | $105K | 155 |
| Cash-out refinance | 84% | 53 / 63 | 100% | $195K | 53 |
| Refinance | 86% | 243 / 283 | 99% | $105K | 240 |
Macatawa Bank, National Association lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Michigan | 85% | $105K | 879 | 744 |
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 Macatawa Bank, National Association lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Ottawa County, MI | Refinance | 86% | 154 | 133 |
| Ottawa County, MI | Mortgage lenders | 98% | 128 | 122 |
| Kent County, MI | Mortgage lenders | 95% | 80 | 76 |
| Ottawa County, MI | Home improvement loans | 76% | 96 | 73 |
| Kent County, MI | Refinance | 84% | 69 | 57 |
| Allegan County, MI | Mortgage lenders | 96% | 51 | 49 |
| Kent County, MI | Home improvement loans | 66% | 74 | 49 |
| Allegan County, MI | Refinance | 86% | 56 | 46 |
| Allegan County, MI | Home improvement loans | 70% | 47 | 33 |
| Ottawa County, MI | Cash-out refinance | 89% | 36 | 32 |
The county markets where Macatawa Bank, National Association made the most loans. Each link opens that market with every lender ranked.
Questions about Macatawa Bank, National Association
What is Macatawa Bank, National Association's mortgage approval rate?
Macatawa Bank, National Association approved 85.6% of the 886 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.4 points above the 76.2% national rate for the same mix of loan types.
How often do borrowers take the loan Macatawa Bank, National Association offers?
Borrowers accepted 99% of the loans Macatawa Bank, National Association 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 Macatawa Bank, National Association make?
The typical home purchase mortgage loan Macatawa Bank, National Association made was $295K; across all loan types its typical loan ran from $105K to $295K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Macatawa Bank, National Association lend?
Macatawa Bank, National Association decided applications in 5 of the states Fat Boy Data covers, most of them in Michigan, Wisconsin and California.
Can I apply to Macatawa Bank, National Association directly?
Yes. Macatawa Bank, National Association is a bank or credit union with 28 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Macatawa Bank, National Association'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 Macatawa Bank, National Association treats applications, then get a rate quote from the lender.