Macatawa Bank, N. A.
Macatawa Bank, N. A. received 285 applications in 2025 and made 206 mortgages, in 24 counties across 5 states. The median rate its borrowers got was Not published on a median loan of $155,000. Of 267 decisions, 60 were denials — 22.5%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300M5D5Q2KMDSMP10 |
|---|---|
| Applications received | 285 |
| Mortgages made | 206 |
| Denied | 60 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 18 |
| Loans bought from other lenders | 16 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Macatawa Bank, National Association, 28 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 35 | Not published | $475,000 | 0.0% |
| Refinancing | 42 | Not published | $155,000 | 20.8% |
| Cash-out refinancing | 11 | Not published | $255,000 | 15.4% |
| Other purposes | 118 | Not published | $105,000 | 28.3% |
Where Macatawa Bank, N. A. lends most
The 24 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Ottawa County, MI | 97 | Not published | 19.2% |
| Kent County, MI | 45 | Not published | 30.8% |
| Allegan County, MI | 38 | Not published | 27.8% |
| Ingham County, MI | 2 | Under 10 loans | 0.0% |
| Mason County, MI | 2 | Under 10 loans | 0.0% |
| Montcalm County, MI | 2 | Under 10 loans | 33.3% |
| Oakland County, MI | 2 | Under 10 loans | 0.0% |
| Van Buren County, MI | 2 | Under 10 loans | 0.0% |
| Dane County, WI | 2 | Under 10 loans | 0.0% |
| El Dorado County, CA | 1 | Under 10 loans | 0.0% |
| San Diego County, CA | 1 | Under 10 loans | 0.0% |
| Fulton County, GA | 1 | Under 10 loans | 0.0% |
| Kane County, IL | 1 | Under 10 loans | 0.0% |
| Barry County, MI | 1 | Under 10 loans | 50.0% |
| Berrien County, MI | 1 | Under 10 loans | 0.0% |
| Cass County, MI | 1 | Under 10 loans | 0.0% |
| Clinton County, MI | 1 | Under 10 loans | 0.0% |
| Kalamazoo County, MI | 1 | Under 10 loans | 0.0% |
| Lake County, MI | 1 | Under 10 loans | 0.0% |
| Muskegon County, MI | 1 | Under 10 loans | 0.0% |
| Oceana County, MI | 1 | Under 10 loans | 0.0% |
| Washtenaw County, MI | 1 | Under 10 loans | 0.0% |
| Milwaukee County, WI | 1 | Under 10 loans | 0.0% |
| Placer County, CA | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.