Mortgage Center L.C. mortgage approval rate & lending review
Mortgage Center L.C. decided 3,636 mortgage applications and funded 3,383 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Mortgage Center L.C. reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to mortgagecenter.com.
Mortgage Center L.C. at a glance
Approval is 12.1 points above the 82.3% 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 | 95% | 2,371 / 2,497 | 98% | $235K | 2,327 |
| Home improvement loans | 92% | 89 / 97 | 99% | $55K | 88 |
| Cash-out refinance | 94% | 634 / 671 | 100% | $115K | 634 |
| Refinance | 94% | 295 / 315 | 99% | $265K | 293 |
| Investment property purchase | 92% | 34 / 37 | 97% | $235K | 33 |
Mortgage Center L.C. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Michigan | 95% | $235K | 3,124 | 2,920 |
| Wisconsin | 92% | $215K | 178 | 159 |
| Ohio | 90% | $185K | 138 | 122 |
| Illinois | 96% | $285K | 134 | 128 |
| Florida | 83% | $375K | 48 | 40 |
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 Center L.C. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Oakland County, MI | Mortgage lenders | 97% | 395 | 381 |
| Wayne County, MI | Mortgage lenders | 93% | 414 | 375 |
| Macomb County, MI | Mortgage lenders | 97% | 294 | 278 |
| Livingston County, MI | Mortgage lenders | 98% | 206 | 198 |
| Kalamazoo County, MI | Mortgage lenders | 96% | 178 | 168 |
| St. Clair County, MI | Mortgage lenders | 94% | 131 | 120 |
| Wayne County, MI | Cash-out refinance | 95% | 107 | 102 |
| Macomb County, MI | Cash-out refinance | 94% | 107 | 101 |
| Calhoun County, MI | Mortgage lenders | 94% | 81 | 72 |
| Washtenaw County, MI | Mortgage lenders | 93% | 75 | 69 |
| Oakland County, MI | Cash-out refinance | 97% | 68 | 66 |
| St. Clair County, MI | Cash-out refinance | 93% | 67 | 62 |
The county markets where Mortgage Center L.C. made the most loans. Each link opens that market with every lender ranked.
Questions about Mortgage Center L.C.
What is Mortgage Center L.C.'s mortgage approval rate?
Mortgage Center L.C. approved 94.4% of the 3,636 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 12.1 points above the 82.3% national rate for the same mix of loan types.
How often do borrowers take the loan Mortgage Center L.C. offers?
Borrowers accepted 99% of the loans Mortgage Center L.C. 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 Center L.C. make?
The typical home purchase mortgage loan Mortgage Center L.C. made was $235K; across all loan types its typical loan ran from $55K to $265K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Mortgage Center L.C. lend?
Mortgage Center L.C. decided applications in 11 of the states Fat Boy Data covers, most of them in Michigan, Wisconsin and Ohio.
Can I apply to Mortgage Center L.C. directly?
Yes. Mortgage Center L.C. reports as a direct lender that takes applications from borrowers. Its website is mortgagecenter.com.
Does this page show Mortgage Center L.C.'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 Center L.C. treats applications, then get a rate quote from the lender.