Isabella Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Isabella Bank 2021 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Isabella Bank 139 E. Broadway Mount Pleasant, MI 48858 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 |
| Total Number of Mortgage Applications | 1,403 |
| Total Mortgage Loan Application Amount | $260,495,000 |
| Average Mortgage Loan Application Amount | $148,600 |
| Highest Mortgage Loan Application Amount | $8,205,000 |
| Average Applicant Income | $86,400 |
| Highest Applicant Income | $1,489,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 with Isabella Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Isabella Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2021 breaks down Isabella Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Isabella Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Isabella Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Isabella Bank's mortgage activity for 2021.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Isabella County Michigan | 463 | $ 78,645,000 | $ 169,000 | $ 87,000 |
| Mecosta County Michigan | 182 | $ 29,630,000 | $ 162,000 | $ 93,000 |
| Midland County Michigan | 146 | $ 34,080,000 | $ 233,000 | $ 123,000 |
| Montcalm County Michigan | 117 | $ 16,545,000 | $ 141,000 | $ 74,000 |
| Clare County Michigan | 106 | $ 13,790,000 | $ 130,000 | $ 71,000 |
| Saginaw County Michigan | 106 | $ 25,200,000 | $ 237,000 | $ 111,000 |
| Gratiot County Michigan | 71 | $ 8,835,000 | $ 124,000 | $ 72,000 |
| Bay County Michigan | 34 | $ 19,660,000 | $ 578,000 | $ 100,000 |
| Gladwin County Michigan | 30 | $ 5,520,000 | $ 184,000 | $ 101,000 |
| Kent County Michigan | 30 | $ 6,710,000 | $ 223,000 | $ 135,000 |
| Osceola County Michigan | 15 | $ 1,565,000 | $ 104,000 | $ 58,000 |
| Ingham County Michigan | 6 | $ 610,000 | $ 101,000 | $ 92,000 |
| Tuscola County Michigan | 6 | $ 630,000 | $ 105,000 | $ 83,000 |
| Ionia County Michigan | 5 | $ 725,000 | $ 145,000 | $ 81,000 |
| Macomb County Michigan | 5 | $ 1,175,000 | $ 235,000 | $ 176,000 |
| Ogemaw County Michigan | 5 | $ 965,000 | $ 193,000 | $ 135,000 |
| Ottawa County Michigan | 5 | $ 1,655,000 | $ 331,000 | $ 117,000 |
| Clinton County Michigan | 4 | $ 450,000 | $ 112,000 | $ 77,000 |
| Oakland County Michigan | 4 | $ 710,000 | $ 177,000 | $ 88,000 |
| Otsego County Michigan | 4 | $ 680,000 | $ 170,000 | $ 143,000 |
| Roscommon County Michigan | 4 | $ 630,000 | $ 157,000 | $ 104,000 |
| Emmet County Michigan | 3 | $ 1,005,000 | $ 335,000 | $ 432,000 |
| Genesee County Michigan | 3 | $ 455,000 | $ 151,000 | $ 71,000 |
| Huron County Michigan | 3 | $ 695,000 | $ 231,000 | $ 98,000 |
| Iosco County Michigan | 3 | $ 385,000 | $ 128,000 | $ 143,000 |
| Washtenaw County Michigan | 3 | $ 1,525,000 | $ 508,000 | $ 0 |
| Charlevoix County Michigan | 2 | $ 350,000 | $ 175,000 | $ 164,000 |
| Chippewa County Michigan | 2 | $ 220,000 | $ 110,000 | $ 103,000 |
| Eaton County Michigan | 2 | $ 240,000 | $ 120,000 | $ 90,000 |
| Grand Traverse County Michigan | 2 | $ 590,000 | $ 295,000 | $ 216,000 |
| Leelanau County Michigan | 2 | $ 920,000 | $ 460,000 | $ 367,000 |
| Manistee County Michigan | 2 | $ 300,000 | $ 150,000 | $ 144,000 |
| Marquette County Michigan | 2 | $ 240,000 | $ 120,000 | $ 68,000 |
| Muskegon County Michigan | 2 | $ 630,000 | $ 315,000 | $ 90,000 |
| Wayne County Michigan | 2 | $ 240,000 | $ 120,000 | $ 111,000 |
| Alcona County Michigan | 1 | $ 75,000 | $ 75,000 | $ 88,000 |
| Alger County Michigan | 1 | $ 355,000 | $ 355,000 | $ 854,000 |
| Allegan County Michigan | 1 | $ 155,000 | $ 155,000 | $ 320,000 |
| Antrim County Michigan | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Benzie County Michigan | 1 | $ 295,000 | $ 295,000 | $ 135,000 |
| Cheboygan County Michigan | 1 | $ 325,000 | $ 325,000 | $ 157,000 |
| Crawford County Michigan | 1 | $ 155,000 | $ 155,000 | $ 143,000 |
| Gogebic County Michigan | 1 | $ 225,000 | $ 225,000 | $ 88,000 |
| Houghton County Michigan | 1 | $ 85,000 | $ 85,000 | $ 73,000 |
| Kalkaska County Michigan | 1 | $ 235,000 | $ 235,000 | $ 125,000 |
| Keweenaw County Michigan | 1 | $ 555,000 | $ 555,000 | $ 0 |
| Lake County Michigan | 1 | $ 155,000 | $ 155,000 | $ 49,000 |
| Livingston County Michigan | 1 | $ 315,000 | $ 315,000 | $ 164,000 |
| Luce County Michigan | 1 | $ 155,000 | $ 155,000 | $ 238,000 |
| Mason County Michigan | 1 | $ 105,000 | $ 105,000 | $ 98,000 |
| Missaukee County Michigan | 1 | $ 85,000 | $ 85,000 | $ 69,000 |
| Newaygo County Michigan | 1 | $ 135,000 | $ 135,000 | $ 52,000 |
| Oscoda County Michigan | 1 | $ 55,000 | $ 55,000 | $ 77,000 |
| Schoolcraft County Michigan | 1 | $ 225,000 | $ 225,000 | $ 210,000 |
| St. Joseph County Michigan | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Wexford County Michigan | 1 | $ 345,000 | $ 345,000 | $ 359,000 |
Mortgage Loan Application Detail Totals for Isabella Bank in 2021
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 560 | $132,260,000 | $236,000 | $8,205,000 | $107,000 | $1,489,000 |
| Refinancing | 521 | $87,875,000 | $168,000 | $4,925,000 | $93,000 | $780,000 |
| Cash-out Refinancing | 240 | $31,990,000 | $133,000 | $505,000 | $79,000 | $457,000 |
| Home Improvement | 46 | $4,180,000 | $90,000 | $425,000 | $80,000 | $275,000 |
| Other Purpose | 36 | $4,190,000 | $116,000 | $725,000 | $73,000 | $231,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,196 | $186,410,000 | $155,000 | $1,005,000 | $94,000 | $1,489,000 |
| Not applicable | 89 | $54,035,000 | $607,000 | $8,205,000 | $0 | $0 |
| Not Provided | 67 | $12,675,000 | $189,000 | $725,000 | $121,000 | $501,000 |
| American Indian or Alaskan Native | 15 | $2,405,000 | $160,000 | $365,000 | $89,000 | $308,000 |
| Hispanic | 12 | $1,770,000 | $147,000 | $345,000 | $82,000 | $192,000 |
| Black or African American | 11 | $1,335,000 | $121,000 | $275,000 | $96,000 | $360,000 |
| Asian | 9 | $1,285,000 | $142,000 | $275,000 | $93,000 | $161,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $315,000 | $105,000 | $125,000 | $100,000 | $111,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,368 | $256,390,000 | $187,000 | $8,205,000 | $96,000 | $1,489,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 35 | $4,105,000 | $117,000 | $255,000 | $47,000 | $82,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,040 | $209,280,000 | $201,000 | $8,205,000 | $103,000 | $1,489,000 |
| Application Denied By Financial Institution | 167 | $20,395,000 | $122,000 | $965,000 | $53,000 | $360,000 |
| Application Withdrawn By Applicant | 154 | $24,190,000 | $157,000 | $745,000 | $96,000 | $539,000 |
| Application Approved But Not Accepted | 21 | $3,495,000 | $166,000 | $725,000 | $93,000 | $235,000 |
| File Closed For Incompleteness | 18 | $2,650,000 | $147,000 | $445,000 | $82,000 | $270,000 |
| Loan Purchased By The Institution | 3 | $485,000 | $161,000 | $205,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 1,236 | $240,100,000 | $194,000 | $8,205,000 | $101,000 | $1,489,000 |
| Debt-To-Income Ratio | 70 | $9,480,000 | $135,000 | $315,000 | $39,000 | $146,000 |
| Credit History | 65 | $6,335,000 | $97,000 | $255,000 | $57,000 | $308,000 |
| Collateral | 17 | $2,955,000 | $173,000 | $965,000 | $75,000 | $192,000 |
| Other | 8 | $820,000 | $102,000 | $145,000 | $125,000 | $360,000 |
| Unverifiable Information | 2 | $310,000 | $155,000 | $205,000 | $75,000 | $136,000 |
| Credit Application Incomplete | 2 | $90,000 | $45,000 | $55,000 | $6,000 | $12,000 |
| Employment History | 2 | $260,000 | $130,000 | $165,000 | $12,000 | $25,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $145,000 | $145,000 | $145,000 | $58,000 | $58,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Isabella Bank's 2021 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Isabella Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Michigan, download the full spreadsheet
with aggregated HMDA statistics today.