Lender in Michigan · HMDA 2025
Northern Mortgage Services, LLC mortgages in Michigan
Northern Mortgage Services, LLC's 2025 home-purchase and refinance lending in Michigan, compared with all lenders in the state.
Northern Mortgage Services, LLC originated 494 owner-occupied single-family loans in Michigan from 528 completed applications.
Its median conventional purchase loan costs were $5,860 versus $4,140 for all Michigan lenders, at a median 30-year fixed rate of 6.625% (Michigan: 6.625%).
Loans in MI
494
of 528 applications
Denial rate
0.7%
Purchase · MI 7.8%
Rate spread
+0.36 pts
Conv. · MI +0.23 pts
Loan amount
$285,000
Purchase · MI $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 413 | 386 | 0.7% | 6.625% | +0.36 pts | $5,860 | $285,000 |
| Refinance | 87 | 84 | 0.0% | 6.125% | +0.06 pts | $6,440 | $295,000 |
| Cash-out refinance | 28 | 24 | 3.6% | — | — | — | $255,000 |
*Conventional loans only; medians with at least 20 loans.
Michigan counties where Northern Mortgage Services, LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Barry County | 4 | 32 | 3.6% |
| Ottawa County | 6 | 142 | 3.6% |
| Allegan County | 8 | 44 | 2.7% |
| Kent County | 9 | 200 | 2.2% |
| Benzie County | 24 | 2 | 0.9% |
| Muskegon County | 25 | 20 | 0.7% |
| Ionia County | 25 | 10 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology