This is kind of long winded but here goes....
To respond to your example. You are correct in that the unbalanced currents are due to the single phase loads. Where as 3 phase loads will have currents 120 degrees apart, the single phase loads, when added to the 3 phase loads, will change the phase angle according to the magnitude and phase angle of the individual single phase loads.
Assuming a 3 phase load with 20 degree phase shift(pf = 93%) in current the representative angles would be 20(A), 140(B), 260(C) degrees. However, single phase(line-line) loads are themselves both +30 degrees and -30 degrees 'out-of-phase' with the 3 phase currents. The (+) would be added to C phase and (-) subtracted from B phase. So depending on the relative magnitude of the single phase load vs the 3 phase load, the angles might measure at 20(A), 135(B), 265(C) As you can see, these are no longer the nice 120 degrees apart from each other and you also realize that the currents of B and C are larger than A (due to the 1 phase load). When you think about this, you realize that this unbalanced line currents results from a balanced 3 phase load and a balanced 1 phase load (line to line). Thus no current will flow in the neutral even though the currents are not balanced. Similar arguments can be made for the phase angle effect from line-neutral 1 phase loads, however, there will be neutral current in this case.
It is this phase angle AND magnitude that I was referring to in my first response where I said you should use both to accurately determine if there is neutral current. Practically, you do assume that the currents are 120 degrees apart. It gives a good starting point, even ending point, for balancing the loads, but you may never be able to get it perfect due to the 'assuming' 120 degrees.
Now to the meat...the unbalanced currents will:
1) Produce unbalanced voltage drops in the ALL the cables/bus feeding the 'effective' unbalanced loads.
2) Present different loads to the individual phase windings of the utility transformer serving the site, or customer transformer, as the case may be, producing unbalanced voltages due to individual phase winding losses.
It is this voltage unbalance that has a detrimental effect on motors. Each MFG should be able to tell you how much unbalance can be tolerated by their motors, but know that it is best to minimize the imbalance.
This leads to the definition of "source". Certainly the transformer(customer or utility) is a source. Another would be the MCC 1 and MCC 2 in your example. Wherever the motor is connected to and getting it's power. Both your MCC's will have unbalanced phase voltages due to the unbalanced currents as you described your example. MCC 2 will probably be worse than MCC 1 for voltages but this may NOT necessarily be true. I would not consider the motor terminals a 'source'(although it is) here because there is nothing you can do about the voltage from that point. I consider the MCC's to be sources because that is where you have some control over balancing loads to 'fix' the voltages.
"As clear as mud now?"