Lender in Michigan · HMDA 2025
First Community Mortgage, Inc. mortgages in Michigan
First Community Mortgage, Inc.'s 2025 home-purchase and refinance lending in Michigan, compared with all lenders in the state.
First Community Mortgage, Inc. originated 652 owner-occupied single-family loans in Michigan from 741 completed applications.
Its median conventional purchase loan costs were $4,770 versus $4,140 for all Michigan lenders, at a median 30-year fixed rate of 6.625% (Michigan: 6.625%).
Loans in MI
652
of 741 applications
Denial rate
2.8%
Purchase · MI 7.8%
Rate spread
+0.36 pts
Conv. · MI +0.23 pts
Loan amount
$235,000
Purchase · MI $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 643 | 572 | 2.8% | 6.625% | +0.36 pts | $4,770 | $235,000 |
| Refinance | 69 | 57 | 10.1% | 6.500% | +0.26 pts | $4,650 | $325,000 |
| Cash-out refinance | 29 | 23 | 17.2% | — | — | — | $215,000 |
*Conventional loans only; medians with at least 20 loans.
Michigan counties where First Community Mortgage, Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Midland County | 5 | 55 | 4.9% |
| Gladwin County | 7 | 12 | 3.4% |
| Lake County | 12 | 3 | 2.1% |
| Isabella County | 16 | 8 | 1.4% |
| Van Buren County | 19 | 10 | 1.2% |
| Newaygo County | 19 | 9 | 1.4% |
| Mecosta County | 20 | 6 | 1.3% |
| Bay County | 22 | 16 | 1.2% |
| Gratiot County | 22 | 6 | 1.4% |
| Macomb County | 24 | 97 | 0.8% |
| Kalamazoo County | 24 | 28 | 0.9% |
| Wexford County | 24 | 4 | 0.9% |
| Crawford County | 25 | 2 | 1.1% |
- First Community Mortgage, Inc. nationwide
- Michigan mortgage market
- First Community Mortgage, Inc. in Tennessee
- First Community Mortgage, Inc. in Ohio
- First Community Mortgage, Inc. in Florida
- First Community Mortgage, Inc. in Virginia
- First Community Mortgage, Inc. in Georgia
- First Community Mortgage, Inc. in Alabama
- First Community Mortgage, Inc. in Pennsylvania
- First Community Mortgage, Inc. in Kentucky
- First Community Mortgage, Inc. in Indiana
- First Community Mortgage, Inc. in North Carolina
- First Community Mortgage, Inc. in Arkansas
- First Community Mortgage, Inc. in Mississippi
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology