Lender in Michigan · HMDA 2025
Mortgage Center L.c mortgages in Michigan
Mortgage Center L.c's 2025 home-purchase and refinance lending in Michigan, compared with all lenders in the state.
Mortgage Center L.c originated 1,571 owner-occupied single-family loans in Michigan from 1,645 completed applications, making it the state's #13 lender by volume.
Its median conventional purchase loan costs were $4,140 versus $4,140 for all Michigan lenders, at a median 30-year fixed rate of 6.375% (Michigan: 6.625%).
Loans in MI
1,571
of 1,645 applications
Denial rate
3.2%
Purchase · MI 7.8%
Rate spread
+0.11 pts
Conv. · MI +0.23 pts
Loan amount
$265,000
Purchase · MI $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,221 | 1,176 | 3.2% | 6.375% | +0.11 pts | $4,140 | $265,000 |
| Refinance | 207 | 193 | 6.3% | 6.250% | +0.01 pts | $3,780 | $265,000 |
| Cash-out refinance | 217 | 202 | 6.5% | 6.625% | +0.26 pts | $3,590 | $165,000 |
*Conventional loans only; medians with at least 20 loans.
Michigan counties where Mortgage Center L.c ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Livingston County | 4 | 137 | 4.5% |
| St. Clair County | 7 | 76 | 3.2% |
| Kalamazoo County | 8 | 83 | 2.5% |
| Sanilac County | 8 | 8 | 1.9% |
| Clinton County | 9 | 24 | 2.1% |
| Alcona County | 9 | 3 | 2.4% |
| Ingham County | 10 | 58 | 1.7% |
| Calhoun County | 10 | 42 | 2.3% |
| Allegan County | 10 | 31 | 1.9% |
| Macomb County | 11 | 188 | 1.5% |
| Barry County | 12 | 20 | 2.2% |
| Luce County | 13 | 1 | 2.6% |
| Oakland County | 14 | 315 | 1.7% |
| Ogemaw County | 14 | 3 | 1.3% |
| Presque Isle County | 14 | 2 | 2.4% |
| Houghton County | 15 | 3 | 0.9% |
| Wayne County | 16 | 261 | 1.4% |
| Roscommon County | 17 | 5 | 1.4% |
| Chippewa County | 17 | 3 | 1.4% |
| Baraga County | 17 | 1 | 2.0% |
| Isabella County | 18 | 7 | 1.2% |
| Van Buren County | 20 | 10 | 1.2% |
| Hillsdale County | 20 | 5 | 1.0% |
| Washtenaw County | 21 | 50 | 1.2% |
| Eaton County | 21 | 17 | 1.1% |
| Monroe County | 23 | 23 | 1.0% |
| Shiawassee County | 23 | 11 | 1.1% |
| Clare County | 24 | 4 | 0.9% |
| Alpena County | 24 | 2 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology