# Isabella Bank

> **Canonical URL:** https://saferate.com/lenders/isabella-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Isabella Bank is a bank, headquartered in Mount Pleasant, MI, with 255 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 40% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 57% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300XYX207IABFXL60
- **Headquarters:** Mount Pleasant, MI
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** MI
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 60/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 43/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.177%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $895
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 255
- **Dollar Volume:** $69 million
- **Applications Received:** 395
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $271,588
- **Average Borrower Income:** $161,773
- **Average Property Value:** $394,961

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 61/100 | 243 | -0.174% | $900 | Strong 😀 |
| Jumbo | 61/100 | 11 | -0.257% | $850 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 198 loans, Score: 60/100 (Strong)
- Refinance: 45 loans, Score: 44/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 60/100 | 209 | $60M | -0.157% | Sound ☺️ |
| Refinance | 41/100 | 46 | $9M | -0.255% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MI | 255 | 0.23% | 76/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 166 | 66/100 |
| Midland, MI | MI | 32 | 73/100 |
| Saginaw, MI | MI | 24 | 61/100 |
| Grand Rapids | MI | 16 | 48/100 |

## Where This Lender Ranks

Isabella Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Midland, MI for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/midland-mi/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#4** in Saginaw, MI Banks
  - [View Full Rankings](https://saferate.com/saginaw-mi/best-mortgage-lenders/banks)
- 🏆 **#6** in Saginaw, MI for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/saginaw-mi/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#7** in Midland, MI
  - [View Full Rankings](https://saferate.com/midland-mi/best-mortgage-lenders)
- 🏆 **#12** in Midland, MI for Conventional Loans
  - [View Full Rankings](https://saferate.com/midland-mi/best-mortgage-lenders/conventional-loans)
- 🏆 **#12** in Saginaw, MI
  - [View Full Rankings](https://saferate.com/saginaw-mi/best-mortgage-lenders)
- 🏆 **#14** in Michigan for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/michigan/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#19** in Michigan Banks
  - [View Full Rankings](https://saferate.com/michigan/best-mortgage-lenders/banks)
- 🏆 **#20** in Michigan for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/michigan/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#20** in Saginaw, MI for Conventional Loans
  - [View Full Rankings](https://saferate.com/saginaw-mi/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does Isabella Bank offer?

Isabella Bank offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Isabella Bank offer mortgages?

Isabella Bank offers mortgages in 1 states: MI.

### How competitive are Isabella Bank's mortgage rates?

Isabella Bank has a pricing score of 60/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.177% below market average.

### What type of lender is Isabella Bank?

Isabella Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Mount Pleasant, MI.

### What is Isabella Bank's loan approval success rate?

Isabella Bank has a pull-through score of 43/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/isabella-bank

### How to Cite

> "Isabella Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/isabella-bank

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