Home purchase lenders in Ingham County
2,947 home purchase mortgages were made in Ingham County, Michigan, in 2025, by 248 lenders. The median rate their borrowers got was 6.625% on a median loan of $175,000. Of 3,586 decisions, 532 were denials — 14.8%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| The Dart Bank | 419 | 6.625% | $195,000 | 5.6% |
| UNION HOME MORTGAGE CORP. | 276 | 6.990% | $165,000 | 2.5% |
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 263 | 6.625% | $185,000 | 3.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 191 | 6.599% | $195,000 | 7.7% |
| Rocket Mortgage, LLC | 186 | 6.750% | $185,000 | 12.0% |
| Flagstar Bank, N.A. | 178 | 6.625% | $175,000 | 41.0% |
| LAKE MICHIGAN CREDIT UNION | 65 | 6.375% | $185,000 | 1.5% |
| The Huntington National Bank | 56 | 6.625% | $165,000 | 10.9% |
| Mortgage Research Center, LLC | 53 | 6.250% | $215,000 | 11.5% |
| EVERETT FINANCIAL, INC. | 47 | 6.625% | $145,000 | 6.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 46 | 6.625% | $160,000 | 2.1% |
| MORTGAGE CENTER L.C | 45 | 6.375% | $175,000 | 0.0% |
| Northpointe Bank | 43 | 6.625% | $175,000 | 2.3% |
| JPMorgan Chase Bank, National Association | 43 | 6.500% | $195,000 | 8.5% |
| Fifth Third Bank, National Association | 40 | 6.500% | $165,000 | 20.0% |
| 21st Mortgage Corporation | 39 | 11.670% | $55,000 | 70.5% |
| VAN DYK MORTGAGE CORPORATION | 39 | 6.625% | $175,000 | 0.0% |
| GUARANTEED RATE, INC. | 33 | 6.625% | $155,000 | 0.0% |
| MORTGAGE 1 INCORPORATED | 28 | 6.625% | $165,000 | 0.0% |
| CONSUMERS CREDIT UNION | 25 | 6.875% | $195,000 | 7.4% |
| Navy Federal Credit Union | 22 | 6.125% | $225,000 | 15.4% |
| LAFCU Credit Union | 22 | 5.188% | $210,000 | 0.0% |
| GUILD MORTGAGE COMPANY | 22 | 6.438% | $115,000 | 0.0% |
| Independent Bank | 21 | 6.750% | $195,000 | 12.0% |
| EMM LOANS LLC | 21 | 6.750% | $185,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 20 | 6.688% | $265,000 | 4.8% |
| CASE Credit Union | 20 | 6.750% | $160,000 | 4.8% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 19 | 6.750% | $155,000 | 24.0% |
| Mercantile Bank | 19 | 6.625% | $145,000 | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 16 | 6.625% | $160,000 | 0.0% |
| Broker Solutions, Inc. | 16 | 6.990% | $170,000 | 5.9% |
| GreenStone Farm Credit Services, FLCA | 14 | 6.950% | $450,000 | 6.7% |
| Prosperity Home Mortgage, LLC | 14 | 6.812% | $190,000 | 6.7% |
| THE LOAN STORE, INC. | 14 | 6.813% | $140,000 | 0.0% |
| DFCU FINANCIAL | 13 | 6.250% | $185,000 | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 13 | 6.375% | $175,000 | 13.3% |
| MICHIGAN FIRST CREDIT UNION | 13 | 6.625% | $125,000 | 13.3% |
| PNC Bank, National Association | 12 | 6.500% | $200,000 | 7.7% |
| USAA Federal Savings Bank | 12 | 6.500% | $205,000 | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 12 | 6.125% | $135,000 | 0.0% |
| Eaton Community Bank | 12 | Not published | $420,000 | 6.7% |
| PRESTON HOME LOANS INC | 12 | 6.813% | $175,000 | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 11 | 6.625% | $145,000 | 0.0% |
| First Merchants Bank | 11 | 6.625% | $285,000 | 0.0% |
| MICHIGAN MUTUAL, INC. | 10 | 7.375% | $120,000 | 0.0% |
| ZILLOW HOME LOANS, LLC | 10 | 6.558% | $175,000 | 0.0% |
| Bank of America, National Association | 10 | 5.875% | $165,000 | 16.7% |
| NEWREZ LLC | 10 | 6.500% | $250,000 | 9.1% |
| Horizon Bank | 10 | 7.000% | $305,000 | 16.7% |
| TRIAD FINANCIAL SERVICES, INC. | 9 | Under 10 loans | Under 10 loans | 62.2% |
| RUOFF MORTGAGE COMPANY, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| KIND LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| STAUNTON FINANCIAL, INC. | 8 | Under 10 loans | Under 10 loans | 27.3% |
| FIRST COMMUNITY MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 8 | Under 10 loans | Under 10 loans | 11.1% |
| First National Bank of America | 7 | Under 10 loans | Under 10 loans | 30.0% |
| UIF CORPORATION | 7 | Under 10 loans | Under 10 loans | 36.4% |
| AMERICAN FINANCIAL NETWORK, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| 254900CTT87ZKAUTIJ37 | 7 | Under 10 loans | Under 10 loans | 12.5% |
| SUN WEST MORTGAGE COMPANY, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| J. VIRGIL, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| GUARANTEED RATE AFFINITY, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Old National Bank | 5 | Under 10 loans | Under 10 loans | 14.3% |
| Fairway Independent Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 16.7% |
| TRUE COMMUNITY Credit Union | 5 | Under 10 loans | Under 10 loans | 12.5% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, 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% |
| PLAZA HOME MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Wells Fargo Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| JMAC LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ARBOR FINANCIAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE LINK, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ChoiceOne Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| County National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BLG HOLDINGS, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Tomo Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Adventure Credit Union | 3 | Under 10 loans | Under 10 loans | 40.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| KELLOGG COMMUNITY CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROSS MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Ann Arbor | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MMS MORTGAGE SERVICES, LTD. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN SCHOOLS AND GOVERNMENT | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Isabella Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Superior National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| COMMUNITY FINANCIAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| U.S. Bank National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST STATE FINANCIAL, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Lake Trust Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSITY OF MICHIGAN 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% |
| Wings Financial Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Macatawa Bank, N. A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KALSEE CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Eastern Michigan Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Zippy Loans, LLC | 1 | Under 10 loans | Under 10 loans | 90.9% |
| 254900O723MCLR701H50 | 1 | Under 10 loans | Under 10 loans | 88.9% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 83.3% |
| HomePromise Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GVC MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Comerica Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PFCU | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Dort Financial Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION ONE | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCIAL PLUS CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Union Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Southern Michigan Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Frankenmuth Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| State Department Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Public Service Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wildfire Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Highpoint Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Homestead Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JOLT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN EDUCATIONAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Savings and Loan Association of Lakewood | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | 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% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FEDEX EMPLOYEES CREDIT ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Washington Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INOVA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| IncredibleBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RIGHT START MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Waterford Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Lake City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 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 48 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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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. 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.