Mortgage Center L.c in Michigan vs the state
6.2%Denial rate-12.32 pts vs state
7.8%Decision denial rate-14.74 pts vs state
72.7%Origination rate+12.83 pts vs state
6.38%Median rate-0.38 pts vs state
0.29Rate spread (pts)-0.11 pts vs state
$101kMedian applicant income
2,215Loans originated
189Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,801 | 1,238 | 11.7% | 6.88% | #40 |
| 2024 | 2,070 | 1,443 | 7.4% | 6.63% | #42 |
| 2025 | 3,046 | 2,215 | 6.2% | 6.38% | #31 |
What Mortgage Center L.c lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Mortgage Center L.c applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wayne County | 535 | 364 | 50 | 9.3% |
| Oakland County | 533 | 398 | 21 | 3.9% |
| Macomb County | 398 | 304 | 17 | 4.3% |
| St. Clair County | 198 | 141 | 12 | 6.1% |
| Livingston County | 192 | 150 | 7 | 3.6% |
| Kalamazoo County | 176 | 133 | 15 | 8.5% |
| Ingham County | 92 | 64 | 1 | 1.1% |
| Washtenaw County | 89 | 62 | 4 | 4.5% |
| Calhoun County | 75 | 54 | 9 | 12.0% |
| Genesee County | 56 | 41 | 4 | 7.1% |
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: 3,046 applications in 2025, of which 2,215 were originated and 189 denied.
6.2% of all applications, or 7.8% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Mortgage Center L.c originated in Michigan in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are Mortgage Center L.c'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