Applications / Mortgage Analytics / Lenders / Michigan / MMS Mortgage Services
Farmington Hills, MI · Independent non-bank lender · CFPB · 225 loans in 2025
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225
loans originated, 2025
269
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
MMS Mortgage Services, a small Michigan lender, makes most of its loans to low- and moderate-income borrowers, a larger share than almost any similar lender.
Borrowers of low or moderate income (LMI) took 57.3% of its loans in 2025, up from 31.7% in 2020. The typical peer, an independent non-bank lender making between half and twice as many loans, lent 22.8% to such borrowers. Its typical loan, $195,000, was well below peers' $325,000, and 3.1% of its loans were for manufactured homes, where the typical peer made none.
It made 225 loans in 2025, 13% fewer than in 2024, while similar lenders held steady. Its lending swelled to 707 loans in 2020 and has since returned to roughly the 277 to 286 a year it made in 2018 and 2019. Purchases were 66.7% of its lending.
Only 4.9% of its loans were in majority-minority neighborhoods, against 21.7% for the typical peer. One possible reason is its concentration in Michigan markets such as Grand Rapids and Muskegon, whose neighborhoods may differ from those its peers serve.
It has lent around Muskegon-Norton Shores since 2004, and its share there held at 1.0% in 2025, 21st of 233 lenders. Around Grand Rapids it held 0.3%, 57th of 436.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. MMS Mortgage Services took 269 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 66.7% · Refinance 33.3%
Conventional 81.3% · FHA 17.3% · VA 1.3% · of 225 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 | 203 | 90.2% |
| Ohio | 17 | 7.6% |
| Massachusetts | 2 | 0.9% |
| Connecticut | 1 | 0.4% |
| Iowa | 1 | 0.4% |
| Indiana | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Grand Rapids-Wyoming-Kentwood | 100 |
| Muskegon-Norton Shores | 48 |
| Cleveland | 9 |
| Detroit-Dearborn-Livonia | 8 |
| Lansing-East Lansing | 7 |
| Toledo | 6 |
| Warren-Troy-Farmington Hills | 4 |
| Kalamazoo-Portage | 3 |
| Traverse City | 2 |
| Akron | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300YEC4OVVYQB2849 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3871854 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 77548100004 | 2004–2017 |
Established 6 January 1987. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: MMS Mortgage Services's data.
MMS Mortgage Services's data
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MMS Mortgage Services and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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