Mortgage lenders in Eaton County
2,482 mortgages were made in Eaton County, Michigan, in 2025, by 255 lenders. The median rate their borrowers got was 6.750% on a median loan of $165,000. Of 3,399 decisions, 737 were denials — 21.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 277 | 7.500% | $105,000 | 19.9% |
| Rocket Mortgage, LLC | 228 | 6.500% | $175,000 | 20.3% |
| The Dart Bank | 196 | 6.625% | $215,000 | 8.7% |
| UNION HOME MORTGAGE CORP. | 157 | 6.625% | $195,000 | 6.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 111 | 6.249% | $215,000 | 13.6% |
| Fifth Third Bank, National Association | 84 | 7.375% | $105,000 | 26.7% |
| LAFCU Credit Union | 72 | 5.875% | $110,000 | 9.8% |
| Flagstar Bank, N.A. | 70 | 6.500% | $235,000 | 37.2% |
| The Huntington National Bank | 63 | 7.340% | $115,000 | 25.3% |
| Eaton Community Bank | 51 | Not published | $105,000 | 23.2% |
| Independent Bank | 43 | 7.250% | $95,000 | 35.8% |
| CONSUMERS CREDIT UNION | 43 | 6.375% | $155,000 | 12.2% |
| Mortgage Research Center, LLC | 42 | 6.250% | $285,000 | 24.6% |
| PNC Bank, National Association | 41 | 7.860% | $85,000 | 34.4% |
| Lake Trust Credit Union | 36 | 7.240% | $45,000 | 50.0% |
| EVERETT FINANCIAL, INC. | 32 | 6.625% | $185,000 | 0.0% |
| NEWREZ LLC | 30 | 6.688% | $180,000 | 25.0% |
| NATIONSTAR MORTGAGE LLC | 27 | 7.490% | $155,000 | 17.7% |
| GreenStone Farm Credit Services, FLCA | 26 | 6.750% | $160,000 | 3.3% |
| LAKE MICHIGAN CREDIT UNION | 25 | 6.375% | $215,000 | 3.9% |
| Northpointe Bank | 24 | 6.625% | $245,000 | 3.9% |
| CASE Credit Union | 24 | 7.138% | $140,000 | 0.0% |
| PFCU | 23 | 6.500% | $185,000 | 10.3% |
| Zippy Loans, LLC | 22 | 9.650% | $75,000 | 29.0% |
| PENNYMAC LOAN SERVICES, LLC | 22 | 6.250% | $240,000 | 11.5% |
| FREEDOM MORTGAGE CORPORATION | 20 | 6.250% | $245,000 | 11.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 20 | 6.688% | $205,000 | 4.8% |
| Navy Federal Credit Union | 19 | 6.500% | $285,000 | 20.0% |
| Adventure Credit Union | 19 | 7.240% | $105,000 | 17.4% |
| MORTGAGE CENTER L.C | 18 | 6.313% | $215,000 | 10.0% |
| Loandepot.Com, LLC | 16 | 7.563% | $115,000 | 34.6% |
| JPMorgan Chase Bank, National Association | 16 | 6.808% | $175,000 | 14.3% |
| TRIAD FINANCIAL SERVICES, INC. | 15 | 8.490% | $55,000 | 48.0% |
| VAN DYK MORTGAGE CORPORATION | 15 | 6.500% | $265,000 | 0.0% |
| DFCU FINANCIAL | 14 | 5.750% | $70,000 | 11.8% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 14 | 6.750% | $230,000 | 0.0% |
| EMM LOANS LLC | 13 | 6.500% | $255,000 | 7.1% |
| MARSHALL COMMUNITY CREDIT UNION | 13 | 6.750% | $165,000 | 0.0% |
| Mercantile Bank | 12 | 6.625% | $135,000 | 14.3% |
| KELLOGG COMMUNITY CREDIT UNION | 12 | 7.188% | $95,000 | 0.0% |
| 21st Mortgage Corporation | 11 | 10.730% | $65,000 | 75.6% |
| Coastal Community Bank | 11 | 11.990% | $35,000 | 0.0% |
| GREENSTATE Credit Union | 11 | 8.090% | $35,000 | 40.0% |
| GUARANTEED RATE, INC. | 11 | 6.875% | $185,000 | 7.7% |
| LAKEVIEW LOAN SERVICING, LLC | 10 | 7.563% | $130,000 | 58.1% |
| Bank of America, National Association | 10 | 5.813% | $195,000 | 52.4% |
| AmeriSave Mortgage Corporation | 10 | 8.125% | $60,000 | 58.3% |
| SPRING EQ, LLC | 10 | 11.425% | $55,000 | 54.6% |
| NEW DAY FINANCIAL, LLC | 9 | Under 10 loans | Under 10 loans | 40.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 47.1% |
| MICHIGAN FIRST CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Lendage, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE 1 INCORPORATED | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 7 | Under 10 loans | Under 10 loans | 22.2% |
| STAUNTON FINANCIAL, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Comerica Bank | 6 | Under 10 loans | Under 10 loans | 33.3% |
| FIGURE LENDING LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| CHURCHILL MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 5 | Under 10 loans | Under 10 loans | 37.5% |
| First National Bank of America | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 5 | Under 10 loans | Under 10 loans | 22.2% |
| SUCCESS MORTGAGE PARTNERS, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 4 | Under 10 loans | Under 10 loans | 62.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 42.9% |
| 254900M2C4Q6DATP2889 | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PLANET HOME LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| THE LOAN STORE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GVC MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION ONE | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHERN MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN SCHOOLS AND GOVERNMENT | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 3 | Under 10 loans | Under 10 loans | 50.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| RUOFF MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| TOWNE MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 254900W66Q1214MV8X83 | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Dort Financial Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Genisys Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MICHIGAN MUTUAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Highpoint Community Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sturgis Bank & Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| J. VIRGIL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TRUE COMMUNITY Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Meijer Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 2 | Under 10 loans | Under 10 loans | 40.0% |
| Union Bank | 2 | Under 10 loans | Under 10 loans | 40.0% |
| Homestead Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| UNITED FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Kiavi Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY FINANCIAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Southern Michigan Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GreenStone Farm Credit Services, ACA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR FINANCIAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE LINK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BLG HOLDINGS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ADVIA Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Honor Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| COMMUNITY CHOICE | 1 | Under 10 loans | Under 10 loans | 66.7% |
| AAC Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Bank of Michigan | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRESTON HOME LOANS INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community West Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Bell Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Horizon Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Route 31 Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Easy Street Capital, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nicolet National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Consumers Professional Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCIAL PLUS CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSITY OF MICHIGAN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Thumb Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWOOD CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ChoiceOne Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESITE MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT STRUCTURED FINANCE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Isabella Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SELFRELIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | 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 55 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Eaton County
19 FDIC-insured branches from 10 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Eaton Community Bank | 4 | $355.1 million |
| Fifth Third Bank, National Association | 3 | $366.4 million |
| Independent Bank | 3 | $220.7 million |
| PNC Bank, National Association | 2 | $244.0 million |
| Union Bank | 2 | $61.1 million |
| JPMorgan Chase Bank, National Association | 1 | $121.0 million |
| Flagstar Bank, National Association | 1 | $120.4 million |
| Bank of America, National Association | 1 | $108.9 million |
| The Huntington National Bank | 1 | $97.2 million |
| The Dart Bank | 1 | $86.6 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- Comerica Bank, 5510 W Saginaw Hwy, Lansing
Get told when this changes
When the next year’s lending figures are out for Eaton County, or a lender arrives or leaves.
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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.