Lender in Michigan · HMDA 2025
Mortgage 1 Incorporated mortgages in Michigan
Mortgage 1 Incorporated's 2025 home-purchase and refinance lending in Michigan, compared with all lenders in the state.
Mortgage 1 Incorporated originated 3,114 owner-occupied single-family loans in Michigan from 3,343 completed applications, making it the state's #5 lender by volume.
Its median conventional purchase loan costs were $4,370 versus $4,140 for all Michigan lenders, at a median 30-year fixed rate of 6.625% (Michigan: 6.625%).
Loans in MI
3,114
of 3,343 applications
Denial rate
1.8%
Purchase · MI 7.8%
Rate spread
+0.28 pts
Conv. · MI +0.23 pts
Loan amount
$225,000
Purchase · MI $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 2,712 | 2,559 | 1.8% | 6.625% | +0.28 pts | $4,370 | $225,000 |
| Refinance | 377 | 325 | 2.4% | 6.375% | +0.07 pts | $3,730 | $275,000 |
| Cash-out refinance | 254 | 230 | 2.8% | 6.990% | +0.49 pts | $4,430 | $195,000 |
*Conventional loans only; medians with at least 20 loans.
Michigan counties where Mortgage 1 Incorporated ranks in the top 25
Showing the 30 counties where it ranks highest, of 46.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Muskegon County | 2 | 277 | 9.7% |
| Shiawassee County | 2 | 121 | 11.6% |
| Mason County | 2 | 40 | 12.9% |
| Oceana County | 2 | 32 | 11.3% |
| Manistee County | 2 | 28 | 10.3% |
| Macomb County | 3 | 665 | 5.2% |
| St. Clair County | 4 | 117 | 4.9% |
| Montcalm County | 4 | 46 | 4.8% |
| Lapeer County | 4 | 43 | 3.4% |
| Wexford County | 4 | 22 | 4.9% |
| Ionia County | 5 | 46 | 5.3% |
| Osceola County | 5 | 11 | 4.8% |
| Lake County | 6 | 8 | 5.6% |
| Iosco County | 6 | 7 | 2.4% |
| Montmorency County | 6 | 4 | 2.8% |
| Wayne County | 7 | 379 | 2.0% |
| Alcona County | 7 | 3 | 2.4% |
| Kent County | 8 | 218 | 2.4% |
| Monroe County | 8 | 48 | 2.1% |
| Newaygo County | 8 | 20 | 3.2% |
| Ottawa County | 9 | 107 | 2.7% |
| Livingston County | 10 | 57 | 1.9% |
| Clinton County | 10 | 23 | 2.0% |
| Oakland County | 11 | 343 | 1.8% |
| Barry County | 11 | 20 | 2.2% |
| Genesee County | 12 | 98 | 1.8% |
| Allegan County | 12 | 27 | 1.6% |
| Sanilac County | 12 | 7 | 1.6% |
| Oscoda County | 13 | 2 | 2.2% |
| Saginaw County | 14 | 36 | 1.7% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology