# MORTGAGE CENTER L.C

> **Canonical URL:** https://saferate.com/lenders/mortgage-center-lc


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


MORTGAGE CENTER L.C is a independent mortgage company, headquartered in PLYMOUTH, MI, serving borrowers across 5 states, with 1,040 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 33% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 34% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300X4P2GHQNMZGO79
- **Headquarters:** PLYMOUTH, MI
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** FL, IL, MI, OH, WI
- **Markets (MSAs):** 14
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 67/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 66/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.142%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,234
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,040
- **Dollar Volume:** $247 million
- **Applications Received:** 1,368
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $237,904
- **Average Borrower Income:** $112,612
- **Average Property Value:** $313,844

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (64%)
- ⭐ **Refinance Gold Superstar** (77%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 70/100 | 942 | +0.092% | $1,133 | Strong 😀 |
| FHA | 60/100 | 60 | +1.115% | $2,762 | Strong 😀 |
| VA | 64/100 | 29 | -0.122% | $2,105 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 704 loans, Score: 70/100 (Strong)
- Refinance: 238 loans, Score: 73/100 (Strong)

**FHA:**
- Purchase: 46 loans, Score: 59/100 (Sound)

**VA:**
- Purchase: 28 loans, Score: 64/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 68/100 | 787 | $199M | +0.159% | Strong 😀 |
| Refinance | 71/100 | 253 | $48M | +0.091% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MI | 923 | 0.82% | 86/100 |
| WI | 46 | 0.07% | 55/100 |
| OH | 35 | 0.03% | 49/100 |
| IL | 25 | 0.02% | 46/100 |
| FL | 11 | 0.00% | 33/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Warren | MI | 353 | 81/100 |
| Detroit | MI | 147 | 75/100 |
| Non |  | 108 | 52/100 |
| Lansing | MI | 87 | 72/100 |
| Kalamazoo | MI | 62 | 69/100 |
| Grand Rapids | MI | 47 | 57/100 |
| Battle Creek, MI | MI | 34 | 67/100 |
| Ann Arbor, MI | MI | 27 | 61/100 |
| Janesville | WI | 27 | 60/100 |
| Cleveland, OH | OH | 19 | 48/100 |
| Chicago | IL | 15 | 42/100 |
| Flint, MI | MI | 15 | 47/100 |
| Jackson, MI | MI | 15 | 52/100 |
| Monroe, MI | MI | 13 | 47/100 |

## Where This Lender Ranks

MORTGAGE CENTER L.C appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Michigan Mortgage Companies
  - [View Full Rankings](https://saferate.com/michigan/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in Warren Mortgage Companies
  - [View Full Rankings](https://saferate.com/warren/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in Lansing for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lansing/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Kalamazoo Mortgage Companies
  - [View Full Rankings](https://saferate.com/kalamazoo/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in Kalamazoo for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/kalamazoo/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Janesville Mortgage Companies
  - [View Full Rankings](https://saferate.com/janesville/best-mortgage-lenders/mortgage-companies)
- 🥈 **#2** in Michigan for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/michigan/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥈 **#2** in Warren for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/warren/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥈 **#2** in Detroit for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/detroit/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥈 **#2** in Lansing Mortgage Companies
  - [View Full Rankings](https://saferate.com/lansing/best-mortgage-lenders/mortgage-companies)
- 🥈 **#2** in Battle Creek, MI Mortgage Companies
  - [View Full Rankings](https://saferate.com/battle-creek-mi/best-mortgage-lenders/mortgage-companies)
- 🥈 **#2** in Battle Creek, MI for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/battle-creek-mi/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥈 **#2** in Ann Arbor, MI for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/ann-arbor-mi/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥈 **#2** in Janesville for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/janesville/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥉 **#3** in Detroit Mortgage Companies
  - [View Full Rankings](https://saferate.com/detroit/best-mortgage-lenders/mortgage-companies)
- 🥉 **#3** in Ann Arbor, MI Mortgage Companies
  - [View Full Rankings](https://saferate.com/ann-arbor-mi/best-mortgage-lenders/mortgage-companies)
- 🏆 **#4** in Warren
  - [View Full Rankings](https://saferate.com/warren/best-mortgage-lenders)
- 🏆 **#4** in Flint, MI for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/flint-mi/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#5** in Michigan for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/michigan/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#5** in Lansing for Conventional Loans
  - [View Full Rankings](https://saferate.com/lansing/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does MORTGAGE CENTER L.C offer?

MORTGAGE CENTER L.C offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does MORTGAGE CENTER L.C offer mortgages?

MORTGAGE CENTER L.C offers mortgages in 5 states: FL, IL, MI, OH, WI.

### How competitive are MORTGAGE CENTER L.C's mortgage rates?

MORTGAGE CENTER L.C has a pricing score of 67/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.142% above market average.

### What type of lender is MORTGAGE CENTER L.C?

MORTGAGE CENTER L.C is a non-depository lender that specializes in mortgage origination, headquartered in PLYMOUTH, MI.

### What is MORTGAGE CENTER L.C's loan approval success rate?

MORTGAGE CENTER L.C has a pull-through score of 66/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/mortgage-center-lc

### How to Cite

> "MORTGAGE CENTER L.C Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/mortgage-center-lc

---

**[View Interactive Profile →](https://saferate.com/lenders/mortgage-center-lc)**