First Community Mortgage in Michigan vs the state
4.8%Denial rate-13.69 pts vs state
5.4%Decision denial rate-17.23 pts vs state
78.2%Origination rate+18.31 pts vs state
6.63%Median rate-0.13 pts vs state
0.45Rate spread (pts)+0.05 pts vs state
$86kMedian applicant income
696Loans originated
43Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 912 | 742 | 3.0% | 6.88% | #76 |
| 2024 | 1,266 | 980 | 4.1% | 6.75% | #61 |
| 2025 | 890 | 696 | 4.8% | 6.63% | #82 |
What First Community Mortgage lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most First Community Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Macomb County | 122 | 98 | 8 | 6.6% |
| Oakland County | 119 | 94 | 5 | 4.2% |
| Kent County | 82 | 64 | 2 | 2.4% |
| Midland County | 72 | 60 | 1 | 1.4% |
| Wayne County | 66 | 50 | 1 | 1.5% |
| Kalamazoo County | 47 | 31 | 7 | 14.9% |
| Ottawa County | 34 | 27 | 1 | 2.9% |
| Saginaw County | 28 | 20 | 0 | 0.0% |
| Allegan County | 23 | 18 | 0 | 0.0% |
| Montcalm County | 22 | 13 | 0 | 0.0% |
Other large lenders in Michigan
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 30,644 | 16.3% | 6.75% |
| United Shore Financial Services | B | 29,330 | 11.7% | 6.60% |
| The Huntington National Bank | D | 20,047 | 30.0% | 7.49% |
| Lake Michigan Credit Union | A | 16,662 | 5.6% | 6.75% |
| Fifth Third Bank | D | 11,176 | 26.4% | 7.50% |
| 21st Mortgage | F | 7,424 | 53.4% | 11.04% |
| Citizens Bank | C | 6,592 | 29.0% | 7.65% |
| Triad Financial Services | D | 6,426 | 56.1% | 8.49% |
| Union Home Mortgage | B | 5,303 | 4.3% | 6.75% |
| PNC Bank | D | 5,161 | 26.3% | 7.36% |
Frequently asked questions
Michigan: 890 applications in 2025, of which 696 were originated and 43 denied.
4.8% of all applications, or 5.4% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans First Community Mortgage originated in Michigan in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are First Community Mortgage's own HMDA filing for properties located in Michigan, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology