Mortgage lenders in Michigan

199 lenders originated 198,811 mortgages in Michigan in 2025, about 87% of everything lent in the state. What each of them charged.

Lenders here: 199
State median rate: 6.750%
State median fees: $4,152

Every lender that originated at least 1,000 mortgages nationally in 2025 and lent in Michigan, ranked by loans made here. Together they account for 87% of the 229,505 mortgages originated in the state; the rest came from smaller lenders that fall below the threshold. The last column is how much of each lender's national business is in Michigan — a local institution and a national one can sit on the same row with very different reasons for being here.

Lender	Loans here	Median fees	Median rate	Share of its book
Rocket Mortgage, LLC	22,693	$4,419	6.750%	5.3%
UNITED SHORE FINANCIAL SERVICES, LLC	22,015	$5,647	6.599%	5.2%
LAKE MICHIGAN CREDIT UNION	12,864	$3,520	6.750%	90.1%
The Huntington National Bank	10,932	$3,693	7.490%	21.4%
Fifth Third Bank, National Association	6,106	$3,086	7.500%	15.4%
UNION HOME MORTGAGE CORP.	4,118	$5,691	6.750%	10.9%
Citizens Bank, National Association	3,697	$4,059	7.650%	5.4%
MORTGAGE 1 INCORPORATED	3,342	$4,744	6.625%	91.2%
JPMorgan Chase Bank, National Association	2,995	$3,240	6.625%	3.2%
DFCU FINANCIAL	2,985	$3,905	6.250%	91.0%
CONSUMERS CREDIT UNION	2,929	$3,309	6.375%	99.5%
MICHIGAN SCHOOLS AND GOVERNMENT	2,902	$1,555	7.240%	99.8%
PNC Bank, National Association	2,885	$3,859	7.590%	4.7%
Genisys Credit Union	2,770	$1,847	7.240%	77.7%
Flagstar Bank, N.A.	2,677	$3,824	6.625%	27.7%
The Dart Bank	2,600	$3,962	6.750%	63.7%
MICHIGAN STATE UNIVERSITY Federal Credit Union	2,552	$3,719	7.500%	92.9%
STAUNTON FINANCIAL, INC.	2,473	$4,387	6.625%	98.1%
Mortgage Research Center, LLC	2,334	$3,999	6.250%	2.8%
CROSSCOUNTRY MORTGAGE, INC.	2,327	$5,873	6.750%	1.9%
Independent Bank	2,257	$4,028	6.875%	95.8%
MORTGAGE CENTER L.C	2,215	$3,858	6.375%	86.5%
Mercantile Bank	2,101	$3,537	6.750%	98.7%
Bank of America, National Association	1,939	$2,787	5.990%	2.2%
First Merchants Bank	1,861	$3,861	6.500%	33.1%
CREDIT UNION ONE	1,833	—	7.990%	99.0%
NEWREZ LLC	1,723	$4,782	6.750%	2.6%
GUARANTEED RATE, INC.	1,707	$4,589	6.625%	2.4%
NATIONSTAR MORTGAGE LLC	1,691	$4,070	7.490%	3.2%
21st Mortgage Corporation	1,623	—	11.040%	5.8%
Honor Credit Union	1,527	$2,656	7.250%	96.3%
Loandepot.Com, LLC	1,515	$5,009	6.990%	1.7%
FREEDOM MORTGAGE CORPORATION	1,463	$5,559	6.250%	2.1%
ADVIA Federal Credit Union	1,408	—	7.040%	68.9%
THE LOAN STORE, INC.	1,407	$4,984	6.990%	3.5%
PENNYMAC LOAN SERVICES, LLC	1,393	$6,498	6.125%	1.4%
MICHIGAN FIRST CREDIT UNION	1,290	$3,879	6.875%	98.6%
Comerica Bank	1,286	$2,999	5.990%	41.1%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION	1,280	$4,677	6.625%	18.6%
TRIAD FINANCIAL SERVICES, INC.	1,245	—	8.490%	8.5%
Old National Bank	1,211	$3,507	6.375%	11.1%
COMMUNITY FINANCIAL CREDIT UNION	1,201	$2,280	7.250%	100.0%
PRESTON HOME LOANS INC	1,165	$5,844	6.625%	96.0%
Kiavi Funding, Inc.	1,128	—	9.500%	4.4%
Navy Federal Credit Union	1,099	$2,419	7.000%	1.4%
FIGURE LENDING LLC	1,090	—	8.850%	3.3%
GreenStone Farm Credit Services, FLCA	1,090	$5,836	6.750%	90.7%
UNITED FEDERAL CREDIT UNION	1,072	$3,444	7.050%	33.3%
First State Bank	1,000	$3,690	6.625%	97.3%
SUCCESS MORTGAGE PARTNERS, INC.	955	$7,071	6.625%	22.5%
GUILD MORTGAGE COMPANY	820	$4,364	6.750%	1.0%
Broker Solutions, Inc.	809	$6,943	6.875%	1.4%
RUOFF MORTGAGE COMPANY, INC.	794	$4,083	6.625%	8.0%
AmeriSave Mortgage Corporation	791	$5,639	7.625%	3.3%
Coastal Community Bank	772	—	10.490%	3.6%
Horizon Bank	770	$3,539	6.125%	27.5%
FIRST COMMUNITY MORTGAGE, INC.	696	$5,338	6.625%	6.8%
SPRING EQ, LLC	680	$1,706	9.363%	2.1%
THE MORTGAGE LINK, INC.	649	$11,852	6.625%	26.4%
EVERETT FINANCIAL, INC.	631	$5,419	6.625%	3.9%
ROSS MORTGAGE CORPORATION	624	$4,778	6.625%	60.3%
AMERICAN FINANCIAL NETWORK, INC.	616	$7,037	6.625%	4.7%
ZILLOW HOME LOANS, LLC	599	$4,430	6.625%	4.2%
AMERICAN PACIFIC MORTGAGE CORPORATION	590	$6,564	6.625%	2.4%
Northpointe Bank	572	$5,236	6.625%	8.9%
CARRINGTON MORTGAGE SERVICES, LLC	570	$7,046	6.625%	3.8%
RCN Capital, LLC	560	—	7.925%	7.9%
GVC MORTGAGE, INC.	559	$6,599	6.625%	12.1%
PLAZA HOME MORTGAGE, INC.	555	$4,792	6.625%	3.8%
MUTUAL OF OMAHA MORTGAGE, INC.	538	$7,861	6.500%	2.2%
MICHIGAN MUTUAL, INC.	532	$5,474	6.990%	36.1%
University Bank	505	$3,989	6.625%	20.8%
CMG MORTGAGE, INC.	460	$5,131	6.750%	0.7%
Lendage, LLC	458	—	11.000%	4.2%
CHURCHILL MORTGAGE CORPORATION	454	$6,495	6.625%	7.5%
LAKEVIEW LOAN SERVICING, LLC	452	$4,342	6.750%	2.8%
Zippy Loans, LLC	449	$5,441	9.180%	17.6%
VAN DYK MORTGAGE CORPORATION	441	$4,392	6.625%	18.2%
BPL MORTGAGE TRUST, LLC	431	—	7.625%	5.9%
TOWNE MORTGAGE COMPANY	430	$5,230	6.625%	5.8%
PULTE MORTGAGE LLC	429	$1,928	6.500%	2.3%
ARK-LA-TEX FINANCIAL SERVICES, LLC.	399	$5,141	6.625%	2.6%
SOFI BANK, NATIONAL ASSOCIATION	393	$2,053	7.740%	2.4%
Nicolet National Bank	393	$3,095	7.375%	14.2%
KIND LENDING, LLC	365	$6,415	7.000%	1.2%
Prosperity Home Mortgage, LLC	358	$5,493	6.625%	1.7%
DAS Acquisition Company, LLC	357	$5,650	6.625%	4.7%
MOVEMENT MORTGAGE, LLC	351	$4,907	6.750%	0.6%
U.S. Bank National Association	345	$3,121	7.125%	0.5%
Fairway Independent Mortgage Corporation	336	$5,517	6.625%	0.5%
Equity Prime Mortgage LLC	332	$10,333	6.750%	2.8%
GREENSTATE Credit Union	329	—	8.090%	2.1%
MEMBER FIRST MORTGAGE, LLC	318	$6,453	6.500%	24.6%
AMERICAN FINANCIAL RESOURCES, INC.	315	$5,893	6.625%	2.8%
NEW DAY FINANCIAL, LLC	311	$9,878	6.875%	3.7%
PRIMELENDING, A PLAINSCAPITAL COMPANY	309	$6,186	6.875%	1.3%
BETTER MORTGAGE CORPORATION	305	$3,825	7.500%	2.1%
Wells Fargo Bank, National Association	300	$4,050	6.375%	0.7%
USAA Federal Savings Bank	291	$4,267	6.375%	2.5%
HOMEBRIDGE FINANCIAL SERVICES, INC.	277	—	10.370%	1.6%
Cornerstone First Mortgage, Inc	262	$6,081	6.625%	3.5%
COVANTAGE CREDIT UNION	260	$2,474	6.563%	6.5%
TOP FLITE FINANCIAL, INC.	253	$8,091	6.750%	8.3%
VILLAGE CAPITAL & INVESTMENT LLC	244	$5,091	5.750%	2.2%
PLANET HOME LENDING, LLC	242	$3,660	5.990%	1.7%
VELOCITY COMMERCIAL CAPITAL, LLC	227	—	10.240%	4.4%
Valon Mortgage, Inc.	227	—	8.450%	5.2%
UIF CORPORATION	227	$4,166	6.875%	13.6%
Barrington Bank & Trust Company, National Association	223	$3,853	6.750%	2.9%
Loan Funder LLC	221	—	8.130%	2.4%
Discover Bank	219	—	8.910%	2.3%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	217	$6,299	6.990%	1.7%
GoodLeap, LLC	217	$8,002	6.625%	2.2%
Third Federal Savings and Loan Association of Cleveland	212	—	6.990%	1.0%
PHH Mortgage Corporation	212	$5,913	6.500%	2.8%
RF RENOVO MANAGEMENT COMPANY, LLC	202	—	7.400%	3.0%
ROYAL UNITED MORTGAGE LLC	199	$7,525	6.750%	4.0%
AMERIHOME MORTGAGE COMPANY, LLC	198	$5,116	6.500%	2.2%
Commerce Home Mortgage, Inc.	195	$12,965	8.625%	2.2%
M/I FINANCIAL, LLC	185	$12,220	5.875%	2.6%
KeyBank National Association	180	$3,711	6.500%	2.1%
OCMBC, INC.	177	$7,783	7.250%	1.1%
1st Source Bank	174	$3,499	7.500%	9.0%
Morgan Stanley Private Bank, National Association	173	$3,853	6.050%	1.6%
Plains Commerce Bank	167	$5,212	6.625%	1.3%
SUN WEST MORTGAGE COMPANY, INC.	166	—	6.250%	1.9%
T2 FINANCIAL LLC	160	$5,785	6.750%	1.7%
LOWER, LLC	154	$8,158	6.750%	0.9%
DEEPHAVEN MORTGAGE LLC	146	$8,656	7.750%	1.8%
CHAMPIONS FUNDING, LLC	145	$11,047	8.250%	1.3%
PROVIDENT FUNDING ASSOCIATES, L.P.	141	$3,345	6.375%	1.2%
GUIDANCE RESIDENTIAL, LLC	136	$4,213	6.875%	4.7%
FIRST COLONY MORTGAGE CORPORATION	135	$5,115	6.500%	1.5%
CALCON MUTUAL MORTGAGE LLC	135	$7,010	6.625%	3.2%
AMERICAN HERITAGE LENDING, LLC	134	—	7.375%	3.0%
Click n' Close, Inc.	132	$4,569	6.750%	1.2%
CANOPY MORTGAGE, LLC	131	$6,035	6.500%	1.5%
A&D Mortgage LLC	129	$3,873	6.625%	0.9%
The Federal Savings Bank	129	$9,267	6.625%	1.6%
Luminate Bank	127	$4,993	6.990%	1.5%
LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation	126	$3,647	6.120%	2.2%
ALLIANT CREDIT UNION	123	—	7.750%	1.5%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD.	123	$4,973	6.750%	1.7%
STOCKTON MORTGAGE CORPORATION	121	$6,219	6.750%	1.7%
EVERWISE CREDIT UNION	121	—	7.500%	5.1%
WesBanco Bank, Inc.	120	$3,748	6.688%	1.9%
LONGBRIDGE FINANCIAL, LLC	120	—	6.125%	2.3%
AMERICAN FINANCING CORPORATION	111	$7,830	6.125%	2.0%
NBKC BANK	110	$2,984	6.125%	1.6%
Tomo Mortgage, LLC	110	$2,900	6.490%	3.1%
HOMEXPRESS MORTGAGE CORP.	108	—	7.625%	1.4%
JMAC LENDING, INC.	108	$5,894	6.625%	2.0%
PENTAGON FEDERAL CREDIT UNION	106	$4,624	7.500%	1.0%
LEADERONE FINANCIAL CORPORATION	106	$5,994	6.625%	1.9%
FINANCE OF AMERICA REVERSE LLC	105	—	6.375%	1.2%
AMWEST FUNDING CORP.	104	—	7.375%	0.9%
GENEVA FINANCIAL, LLC	97	$5,532	6.750%	1.7%
DOMINION FINANCIAL SERVICES, LLC	96	—	9.525%	3.6%
GUARANTEED RATE AFFINITY, LLC	91	$2,560	6.490%	0.6%
NEXERA HOLDING LLC	91	—	7.625%	1.6%
Sunflower Bank, National Association	91	$4,522	6.625%	2.6%
Stifel Bank and Trust	90	$2,838	6.125%	2.0%
First National Bank of America	88	$7,246	8.933%	3.2%
LENDINGONE, LLC	87	—	7.210%	3.5%
NOTRE DAME FEDERAL CREDIT UNION CORPORATION	84	—	7.000%	6.5%
HOWARD HANNA FINANCIAL SERVICES, INC.	80	$4,696	6.625%	1.8%
RESICENTRAL, LLC	79	$4,295	7.125%	1.5%
EMM LOANS LLC	77	$7,191	6.625%	1.2%
NexBank	75	$4,893	6.875%	1.3%
Paramount Residential Mortgage Group, Inc.	74	$5,188	6.625%	0.3%
VANDERBILT MORTGAGE AND FINANCE, INC.	74	—	11.250%	0.4%
NFM, INC.	73	$5,808	6.750%	0.4%
UBS Bank USA	73	$4,326	5.875%	2.2%
MORTGAGE SOLUTIONS OF COLORADO, LLC	72	$4,433	7.750%	1.2%
ANGEL OAK MORTGAGE SOLUTIONS LLC	71	—	7.749%	1.1%
LoanUnited.com, LLC	70	$10,003	5.990%	1.7%
Premia Mortgage, LLC DBA Premia Relocation Mortgage	69	$333	6.375%	4.0%
CONSTRUCTIVE LOANS, LLC	69	—	7.750%	4.3%
Lakeview Community Capital, LLC	68	$6,026	6.490%	1.6%
Filo Mortgage, L.L.C.	66	$4,745	6.625%	2.6%
CONSUMER REAL ESTATE FINANCE CO.	66	—	6.995%	4.2%
LENDSURE MORTGAGE CORP.	65	—	7.625%	1.8%
Wings Financial Credit Union	65	—	7.250%	1.9%
CLEARPATH LENDING	63	$3,723	5.750%	3.5%
MORTGAGE ACCESS CORP.	62	$4,248	6.490%	3.9%
Charles Schwab Bank, SSB	61	$3,951	5.750%	1.0%
EQUITY RESOURCES, INC.	61	$4,358	6.625%	2.1%
Mortgage Right	58	$6,853	6.625%	3.7%
V.I.P. MORTGAGE, INC.	56	$6,062	6.500%	0.8%
Investor Mortgage Finance LLC	56	—	7.369%	2.5%
AMERITRUST MORTGAGE CORPORATION	55	—	7.375%	1.7%
ROUNDPOINT MORTGAGE SERVICING LLC	55	$2,557	4.937%	3.8%
Texana Bank, National Association	52	$6,840	6.625%	3.2%
Citibank, National Association	51	—	6.000%	0.3%
INSPIRE HOME LOANS INC.	51	$6,784	6.375%	0.8%
Magnolia Bank, Incorporated	51	$10,134	6.375%	1.2%
SOUTHWEST FUNDING, LP	51	—	7.125%	2.9%
MILEND, INC.	51	$12,738	6.250%	3.5%
Manufacturers and Traders Trust Company	50	$4,491	6.250%	0.2%

Figures are medians of loans actually originated in , as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for % of loans here — see methodology.