Mortgage 1 Incorporated mortgage approval rate & lending review
Mortgage 1 Incorporated decided 9,712 mortgage applications and funded 8,838 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Mortgage 1 Incorporated reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Mortgage 1 Incorporated at a glance
Approval is 11.5 points above the 85.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 98% | 7,933 / 8,110 | 95% | $215K | 7,520 |
| Cash-out refinance | 92% | 528 / 571 | 88% | $195K | 465 |
| Refinance | 96% | 524 / 548 | 86% | $265K | 448 |
| Investment property purchase | 94% | 330 / 350 | 92% | $185K | 305 |
| Investment cash-out refinance | 95% | 95 / 100 | 81% | $105K | 77 |
| Investment refinance | 96% | 26 / 27 | 88% | $105K | 23 |
Mortgage 1 Incorporated lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Michigan | 97% | $215K | 8,656 | 7,897 |
| Florida | 97% | $305K | 878 | 790 |
| Ohio | 97% | $145K | 104 | 88 |
| California | 100% | $255K | 29 | 25 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Mortgage 1 Incorporated lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Macomb County, MI | Mortgage lenders | 98% | 1,716 | 1,608 |
| Wayne County, MI | Mortgage lenders | 96% | 1,276 | 1,157 |
| Oakland County, MI | Mortgage lenders | 98% | 893 | 839 |
| Muskegon County, MI | Mortgage lenders | 99% | 726 | 683 |
| Kent County, MI | Mortgage lenders | 99% | 535 | 518 |
| Lee County, FL | Mortgage lenders | 98% | 551 | 503 |
| St. Clair County, MI | Mortgage lenders | 98% | 369 | 342 |
| Genesee County, MI | Mortgage lenders | 96% | 284 | 256 |
| Jackson County, MI | Mortgage lenders | 98% | 260 | 236 |
| Washtenaw County, MI | Mortgage lenders | 98% | 252 | 235 |
| Ottawa County, MI | Mortgage lenders | 98% | 240 | 228 |
| Monroe County, MI | Mortgage lenders | 97% | 179 | 163 |
The county markets where Mortgage 1 Incorporated made the most loans. Each link opens that market with every lender ranked.
Questions about Mortgage 1 Incorporated
What is Mortgage 1 Incorporated's mortgage approval rate?
Mortgage 1 Incorporated approved 97.2% of the 9,712 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.5 points above the 85.6% national rate for the same mix of loan types.
How often do borrowers take the loan Mortgage 1 Incorporated offers?
Borrowers accepted 94% of the loans Mortgage 1 Incorporated approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Mortgage 1 Incorporated make?
The typical home purchase mortgage loan Mortgage 1 Incorporated made was $215K; across all loan types its typical loan ran from $105K to $265K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Mortgage 1 Incorporated lend?
Mortgage 1 Incorporated decided applications in 11 of the states Fat Boy Data covers, most of them in Michigan, Florida and Ohio.
Can I apply to Mortgage 1 Incorporated directly?
Yes. Mortgage 1 Incorporated reports as a direct lender that takes applications from borrowers.
Does this page show Mortgage 1 Incorporated's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Mortgage 1 Incorporated treats applications, then get a rate quote from the lender.