What loan types does Isabella Bank offer?

Isabella Bank offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

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 an overall pricing score of 60.3/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Isabella Bank?

Isabella Bank is a Bank headquartered in Mount Pleasant, MI.

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Isabella Bank

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Isabella Bank has 255 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

Conventional · Jumbo

Place

Strong

4/5

Single State · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Offers rates 17.70 basis points below market average
Lower than average lender fees
Particularly strong in Conventional and Jumbo loans

Explore another lender or local market

Report Card

Isabella Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

Rates 17.7 bps below market avg

4/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

243 loans · 0.17% below market

Strong

Top 40% of lenders

4/5

Jumbo

11 loans · 0.26% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

209 loans · 0.16% below market

Sound

Top 60% of lenders

3/5

Refinance

46 loans · 0.26% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Single State · 4 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Strong	Sound	Sound	243	95.3%	-0.174%Below	$900Fees
Jumbo Loans	Strong	Strong	—	—	11	4.3%	-0.257%Below	$850Fees

Conventional

Overall

Sound

Product

Strong

Pricing

Sound

Pull Through

Sound

Volume243

Mix95.3%

Spread

-0.174%Below

Fees

$900Fees

Jumbo Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through—

Volume11

Mix4.3%

Spread

-0.257%Below

Fees

$850Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Strong	Sound	209	82.0%	-0.157%Below	$948Fees
Refinance	Sound	Sound	Sound	Sound	46	18.0%	-0.255%Below	$692Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume209

Mix82.0%

Spread

-0.157%Below

Fees

$948Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume46

Mix18.0%

Spread

-0.255%Below

Fees

$692Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

255

Applications

395

Volume

$69 million

Pricing & Closing

Avg Rate Spread

-0.177%

vs. market APOR

Avg Net Fees

$895

Origination − Credits

Pullthrough Rate

64.6%

Applications → Closed

Typical Borrower

Avg Loan Amount

$271,588

Avg Borrower Income

$161,773

Avg Property Value

$394,961

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

< 200200+None

Midwest1

Top Metro Areas by Place Specialization Score

Midland, MIMetro

Volume 32Mix 12.55% of portfolio

73/100

Strong

Saginaw, MIMetro

Volume 24Mix 9.41% of portfolio

61/100

Strong

Grand Rapids, MIMetro

Volume 16Mix 6.27% of portfolio

48/100

Sound

Top States by Place Specialization Score

MichiganState

Volume 255Mix 100.00% of portfolio

76/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.