Northern Mortgage Services in Michigan vs the state
0.9%Denial rate-17.59 pts vs state
1.1%Decision denial rate-21.51 pts vs state
81.6%Origination rate+21.73 pts vs state
6.62%Median rate-0.13 pts vs state
0.33Rate spread (pts)-0.06 pts vs state
$108kMedian applicant income
524Loans originated
6Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 501 | 394 | 2.2% | 6.88% | #110 |
| 2024 | 517 | 444 | 1.9% | 6.63% | #112 |
| 2025 | 642 | 524 | 0.9% | 6.62% | #107 |
What Northern Mortgage Services lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Northern Mortgage Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kent County | 256 | 212 | 3 | 1.2% |
| Ottawa County | 176 | 143 | 0 | 0.0% |
| Allegan County | 57 | 48 | 0 | 0.0% |
| Barry County | 41 | 36 | 1 | 2.4% |
| Muskegon County | 27 | 20 | 0 | 0.0% |
| Ionia County | 14 | 11 | 0 | 0.0% |
| Kalamazoo County | 13 | 11 | 0 | 0.0% |
| Montcalm County | 8 | 8 | 0 | 0.0% |
| Newaygo County | 7 | 5 | 0 | 0.0% |
| Calhoun County | 6 | 4 | 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: 642 applications in 2025, of which 524 were originated and 6 denied.
0.9% of all applications, or 1.1% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Northern Mortgage Services originated in Michigan in 2025 was 6.62%, against a statewide median of 6.75%.
About this data. Figures are Northern 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