Mortgage lenders in Berrien County
4,011 mortgages were made in Berrien County, Michigan, in 2025, by 342 lenders. The median rate their borrowers got was 6.990% on a median loan of $165,000. Of 5,645 decisions, 1,371 were denials — 24.3%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED FEDERAL CREDIT UNION | 683 | 7.050% | $105,000 | 20.9% |
| Honor Credit Union | 562 | 7.250% | $105,000 | 18.5% |
| Rocket Mortgage, LLC | 234 | 6.990% | $150,000 | 18.6% |
| Fifth Third Bank, National Association | 206 | 7.683% | $105,000 | 28.9% |
| The Huntington National Bank | 171 | 7.630% | $95,000 | 31.8% |
| UNION HOME MORTGAGE CORP. | 163 | 6.875% | $195,000 | 3.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 123 | 6.250% | $245,000 | 20.5% |
| Horizon Bank | 118 | 6.000% | $160,000 | 28.2% |
| Sturgis Bank & Trust Company | 107 | 6.875% | $245,000 | 3.9% |
| RUOFF MORTGAGE COMPANY, INC. | 75 | 6.625% | $165,000 | 8.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 71 | 6.500% | $295,000 | 7.6% |
| 1st Source Bank | 69 | 7.500% | $115,000 | 26.0% |
| JPMorgan Chase Bank, National Association | 57 | 6.625% | $255,000 | 13.6% |
| EVERWISE CREDIT UNION | 57 | 7.500% | $65,000 | 32.1% |
| GUARANTEED RATE, INC. | 55 | 6.750% | $305,000 | 5.0% |
| Loandepot.Com, LLC | 48 | 7.058% | $145,000 | 36.0% |
| Mortgage Research Center, LLC | 38 | 6.375% | $255,000 | 33.9% |
| LAKE MICHIGAN CREDIT UNION | 38 | 6.490% | $270,000 | 4.8% |
| NOTRE DAME FEDERAL CREDIT UNION CORPORATION | 37 | 7.000% | $145,000 | 23.5% |
| Independent Bank | 35 | 6.875% | $205,000 | 10.3% |
| OriginPoint, LLC | 34 | 6.750% | $280,000 | 8.1% |
| Fairway Independent Mortgage Corporation | 32 | 6.750% | $210,000 | 5.7% |
| PENNYMAC LOAN SERVICES, LLC | 29 | 6.499% | $265,000 | 9.4% |
| CONSUMERS CREDIT UNION | 25 | 6.750% | $145,000 | 16.7% |
| TRIAD FINANCIAL SERVICES, INC. | 24 | 8.975% | $35,000 | 59.0% |
| Flagstar Bank, N.A. | 24 | 6.625% | $160,000 | 27.8% |
| NEWREZ LLC | 22 | 6.750% | $140,000 | 35.3% |
| FIGURE LENDING LLC | 22 | 9.025% | $55,000 | 26.8% |
| Navy Federal Credit Union | 21 | 7.250% | $165,000 | 34.4% |
| Bank of America, National Association | 21 | 5.875% | $395,000 | 22.2% |
| NATIONSTAR MORTGAGE LLC | 20 | 7.563% | $110,000 | 16.0% |
| AmeriSave Mortgage Corporation | 19 | 7.000% | $95,000 | 68.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 19 | 6.625% | $125,000 | 48.9% |
| FREEDOM MORTGAGE CORPORATION | 18 | 6.688% | $260,000 | 30.3% |
| PNC Bank, National Association | 18 | 6.983% | $205,000 | 29.6% |
| Zippy Loans, LLC | 16 | 8.975% | $45,000 | 27.3% |
| Old National Bank | 15 | 6.740% | $105,000 | 40.7% |
| Barrington Bank & Trust Company, National Association | 15 | 7.125% | $285,000 | 16.7% |
| 21st Mortgage Corporation | 14 | 11.920% | $60,000 | 86.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 14 | 7.250% | $200,000 | 0.0% |
| GVC MORTGAGE, INC. | 13 | 6.750% | $155,000 | 7.1% |
| U.S. Bank National Association | 12 | 7.000% | $285,000 | 33.3% |
| SPRING EQ, LLC | 11 | 11.550% | $65,000 | 65.6% |
| Citizens Bank, National Association | 11 | 6.900% | $245,000 | 21.4% |
| GUARANTEED RATE AFFINITY, LLC | 10 | 6.813% | $300,000 | 0.0% |
| Broker Solutions, Inc. | 9 | Under 10 loans | Under 10 loans | 30.8% |
| Kiavi Funding, Inc. | 9 | Under 10 loans | Under 10 loans | 40.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 28.6% |
| GoodLeap, LLC | 9 | Under 10 loans | Under 10 loans | 27.8% |
| Wells Fargo Bank, National Association | 9 | Under 10 loans | Under 10 loans | 10.0% |
| GreenStone Farm Credit Services, FLCA | 9 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Prosperity Home Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| USAA Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Morgan Stanley Private Bank, National Association | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 8 | Under 10 loans | Under 10 loans | 3.0% |
| NEW DAY FINANCIAL, LLC | 8 | Under 10 loans | Under 10 loans | 50.0% |
| Citibank, National Association | 8 | Under 10 loans | Under 10 loans | 33.3% |
| THE LOAN STORE, INC. | 8 | Under 10 loans | Under 10 loans | 25.0% |
| ROYAL UNITED MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| LAKEVIEW LOAN SERVICING, LLC | 7 | Under 10 loans | Under 10 loans | 52.6% |
| Lendage, LLC | 7 | Under 10 loans | Under 10 loans | 11.1% |
| First Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 11.1% |
| AMERICAN FINANCIAL NETWORK, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Centier Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| 254900M2C4Q6DATP2889 | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GREENSTATE Credit Union | 6 | Under 10 loans | Under 10 loans | 40.0% |
| BETTER MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 60.0% |
| LOWER, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 36.4% |
| First American Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| PLAZA HOME MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Baxter Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Northpointe Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE 1 INCORPORATED | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| ADVIA Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 55.6% |
| PROPER RATE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| ARBOR FINANCIAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Mercantile Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Ixonia Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Southern Michigan Bank & Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| A & N MORTGAGE SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED HOME LOANS, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 3 | Under 10 loans | Under 10 loans | 88.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 33.3% |
| CREDIT UNION ONE | 3 | Under 10 loans | Under 10 loans | 33.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NEXERA HOLDING LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CHAMPIONS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MLD MORTGAGE INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| UBS Bank USA | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PURDUE | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| American Bank and Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWOOD CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 2 | Under 10 loans | Under 10 loans | 76.1% |
| KIND LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Tomo Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| INSPIRE HOME LOANS INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COMPASS MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MJW FINANCIAL LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN SCHOOLS AND GOVERNMENT | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE CENTER L.C | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Lake Trust Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Old Plank Trail Community Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VIBE CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MARSHALL COMMUNITY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Union Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KALSEE CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Elements Financial Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TRUE COMMUNITY Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CITIZENS EQUITY FIRST | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank of Middlebury | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Lake City Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| MILEND, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HomePromise Corporation | 1 | Under 10 loans | Under 10 loans | 66.7% |
| INOVA | 1 | Under 10 loans | Under 10 loans | 33.3% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COVANTAGE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Waterman State Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Merchants Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Libertyville Bank & Trust Company, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Bank of Michigan | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RPE Home, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SOUTH RIVER MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION 1 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SUMMIT FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MICHIGAN FIRST CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Servion, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT HOME MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| County National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CANOPY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank of Florida | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 142 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Berrien County
33 FDIC-insured branches from 8 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| The Huntington National Bank | 9 | $393.4 million |
| Fifth Third Bank, National Association | 7 | $651.7 million |
| 1st Source Bank | 5 | $214.6 million |
| Horizon Bank | 4 | $247.7 million |
| JPMorgan Chase Bank, National Association | 3 | $350.1 million |
| Sturgis Bank & Trust Company | 3 | $267.0 million |
| Flagstar Bank, National Association | 1 | $63.1 million |
| Old National Bank | 1 | $53.2 million |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.