Applications / Mortgage Analytics / Lenders / Michigan / First Community Bank
Harbor Springs, MI · State member bank · FRS · $403 million assets · 23 loans in 2025
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23
loans originated, 2025
27
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Community Bank, a Harbor Springs bank whose biggest market lies outside Michigan's metro areas, made 23 home loans in 2025, down from 37.
Its loans fell 38% in 2025. Similar lenders, state member banks making between half and twice as many loans, fell 6%, and the whole market rose 10%. With 23 loans, the fall is too small to read much into, and could reflect the timing of a few local deals.
Every loan was conventional, as at most similar banks. Home purchases made up 52.2% of its loans and refinancing 39.1%, with home improvement the rest.
Its largest market is non-metro Michigan, where it ranks 150th of 606 lenders behind Rocket Mortgage and United Wholesale Mortgage. It also lends in Grand Rapids, Kalamazoo, Muskegon and Traverse City, with a sliver of each market. The bank took its present name in 1993, having been Harbor Springs State Bank, and merged with Select Bank in 2012.
The bank filed no report for 2020 to 2022. Since 2020 a bank making fewer than 100 closed-end loans a year need not report, so these are gaps in the record, not years without lending. It made 71 loans in 2018 and 39 in 2023.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. First Community Bank took 27 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 52.2% · Refinance 39.1% · Home improvement 8.7%
Conventional 100.0% · of 23 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Michigan | 23 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Grand Rapids-Wyoming-Kentwood | 2 |
| Traverse City | 2 |
| Kalamazoo-Portage | 1 |
| Muskegon-Norton Shores | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900Q4OHCZ5HC5KM52 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 932745 | 2013–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2932745 | 2013–2017 |
Established 1 November 1905. Reported under HMDA 2013-2025.
Mergers, name changes, data editions and corrections: First Community Bank's data.
First Community Bank's data
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