Lender in Michigan · HMDA 2025
Wells Fargo Bank, N.A. mortgages in Michigan
Wells Fargo Bank, N.A.'s 2025 home-purchase and refinance lending in Michigan, compared with all lenders in the state.
Wells Fargo Bank, N.A. originated 234 owner-occupied single-family loans in Michigan from 288 completed applications.
Its median conventional purchase loan costs were $4,240 versus $4,140 for all Michigan lenders, at a median 30-year fixed rate of 6.625% (Michigan: 6.625%).
Loans in MI
234
of 288 applications
Denial rate
15.3%
Purchase · MI 7.8%
Rate spread
+0.01 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 | 124 | 105 | 15.3% | 6.625% | +0.01 pts | $4,240 | $265,000 |
| Refinance | 18 | 18 | — | — | — | — | — |
| Cash-out refinance | 146 | 111 | 23.3% | 6.625% | +0.38 pts | $3,960 | $135,000 |
*Conventional loans only; medians with at least 20 loans.
Michigan counties where Wells Fargo Bank, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Schoolcraft County | 9 | 2 | 4.9% |
| Montmorency County | 14 | 2 | 1.4% |
| Emmet County | 18 | 3 | 0.9% |
| Baraga County | 18 | 1 | 2.0% |
| Marquette County | 20 | 6 | 1.0% |
| Ontonagon County | 24 | 1 | 1.8% |
- Wells Fargo Bank, N.A. nationwide
- Michigan mortgage market
- Wells Fargo Bank, N.A. in California
- Wells Fargo Bank, N.A. in New York
- Wells Fargo Bank, N.A. in Texas
- Wells Fargo Bank, N.A. in Florida
- Wells Fargo Bank, N.A. in North Carolina
- Wells Fargo Bank, N.A. in New Jersey
- Wells Fargo Bank, N.A. in Pennsylvania
- Wells Fargo Bank, N.A. in Washington
- Wells Fargo Bank, N.A. in Minnesota
- Wells Fargo Bank, N.A. in Georgia
- Wells Fargo Bank, N.A. in Virginia
- Wells Fargo Bank, N.A. in Arizona
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology