Mms Mortgage Services in Michigan vs the state
4.1%Denial rate-14.44 pts vs state
4.6%Decision denial rate-17.99 pts vs state
82.9%Origination rate+22.97 pts vs state
6.49%Median rate-0.26 pts vs state
0.18Rate spread (pts)-0.22 pts vs state
$70kMedian applicant income
203Loans originated
10Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 305 | 254 | 1.6% | 6.62% | #148 |
| 2024 | 280 | 239 | 2.1% | 6.63% | #175 |
| 2025 | 245 | 203 | 4.1% | 6.49% | #190 |
What Mms Mortgage Services lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Mms Mortgage Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Muskegon County | 55 | 48 | 3 | 5.5% |
| Kent County | 32 | 27 | 0 | 0.0% |
| Montcalm County | 29 | 25 | 2 | 6.9% |
| Ionia County | 28 | 22 | 0 | 0.0% |
| Ottawa County | 25 | 21 | 0 | 0.0% |
| Gratiot County | 13 | 12 | 0 | 0.0% |
| Wayne County | 8 | 8 | 0 | 0.0% |
| Oceana County | 8 | 7 | 1 | 12.5% |
| Oakland County | 7 | 2 | 1 | 14.3% |
| Barry County | 6 | 5 | 1 | 16.7% |
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: 245 applications in 2025, of which 203 were originated and 10 denied.
4.1% of all applications, or 4.6% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Mms Mortgage Services originated in Michigan in 2025 was 6.49%, against a statewide median of 6.75%.
About this data. Figures are Mms Mortgage Services'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