Home purchase lenders in Kent County
7,408 home purchase mortgages were made in Kent County, Michigan, in 2025, by 307 lenders. The median rate their borrowers got was 6.624% on a median loan of $285,000. Of 9,104 decisions, 1,378 were denials — 15.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| LAKE MICHIGAN CREDIT UNION | 1,921 | 6.375% | $295,000 | 2.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 467 | 6.624% | $275,000 | 7.9% |
| Mercantile Bank | 282 | 6.625% | $285,000 | 6.9% |
| Old National Bank | 273 | 6.375% | $255,000 | 4.2% |
| Rocket Mortgage, LLC | 210 | 6.500% | $300,000 | 8.2% |
| Fifth Third Bank, National Association | 203 | 6.500% | $285,000 | 14.2% |
| CONSUMERS CREDIT UNION | 194 | 6.750% | $295,000 | 3.0% |
| MORTGAGE 1 INCORPORATED | 188 | 6.625% | $285,000 | 0.0% |
| GUILD MORTGAGE COMPANY | 163 | 6.750% | $285,000 | 0.0% |
| Independent Bank | 159 | 6.625% | $325,000 | 6.5% |
| NORTHERN MORTGAGE SERVICES, LLC | 159 | 6.625% | $295,000 | 1.2% |
| TRIAD FINANCIAL SERVICES, INC. | 154 | 8.580% | $65,000 | 55.3% |
| 21st Mortgage Corporation | 144 | 10.505% | $65,000 | 69.8% |
| The Huntington National Bank | 144 | 6.625% | $290,000 | 5.2% |
| Northpointe Bank | 137 | 6.625% | $315,000 | 4.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 132 | 6.625% | $285,000 | 6.4% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 119 | 6.750% | $285,000 | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 111 | 6.625% | $285,000 | 0.0% |
| The Dart Bank | 93 | 6.625% | $305,000 | 4.1% |
| SUCCESS MORTGAGE PARTNERS, INC. | 93 | 6.625% | $275,000 | 2.1% |
| JPMorgan Chase Bank, National Association | 92 | 6.490% | $275,000 | 10.6% |
| Mortgage Research Center, LLC | 73 | 6.375% | $325,000 | 7.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 73 | 6.625% | $275,000 | 3.9% |
| UNION HOME MORTGAGE CORP. | 72 | 6.625% | $275,000 | 5.3% |
| ChoiceOne Bank | 65 | 6.625% | $265,000 | 4.4% |
| MICHIGAN FIRST CREDIT UNION | 62 | 6.563% | $235,000 | 11.4% |
| Fairway Independent Mortgage Corporation | 59 | 6.625% | $295,000 | 1.7% |
| United Bank of Michigan | 55 | Not published | $245,000 | 5.2% |
| FIRST COMMUNITY MORTGAGE, INC. | 52 | 6.625% | $295,000 | 1.8% |
| TOP FLITE FINANCIAL, INC. | 39 | 6.625% | $235,000 | 7.0% |
| GUARANTEED RATE, INC. | 37 | 6.600% | $345,000 | 0.0% |
| CANOPY MORTGAGE, LLC | 36 | 6.500% | $270,000 | 0.0% |
| NEWREZ LLC | 35 | 6.625% | $285,000 | 14.3% |
| Adventure Credit Union | 34 | 5.990% | $250,000 | 5.6% |
| PENNYMAC LOAN SERVICES, LLC | 34 | 6.499% | $265,000 | 7.9% |
| DFCU FINANCIAL | 32 | 6.125% | $310,000 | 0.0% |
| Kiavi Funding, Inc. | 30 | 9.950% | $195,000 | 8.8% |
| Flagstar Bank, N.A. | 29 | 6.625% | $295,000 | 46.3% |
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 29 | 6.500% | $265,000 | 0.0% |
| PFN Lending Group, Inc. | 27 | 6.750% | $235,000 | 3.6% |
| Barrington Bank & Trust Company, National Association | 26 | 6.625% | $285,000 | 7.1% |
| PNC Bank, National Association | 26 | 6.500% | $325,000 | 7.1% |
| VAN DYK MORTGAGE CORPORATION | 24 | 6.625% | $295,000 | 4.0% |
| MORTGAGE CENTER L.C | 24 | 6.250% | $275,000 | 0.0% |
| ZILLOW HOME LOANS, LLC | 23 | 6.500% | $235,000 | 0.0% |
| West Michigan Community Bank | 23 | Not published | $275,000 | 0.0% |
| Zippy Loans, LLC | 22 | 8.400% | $55,000 | 57.4% |
| THE LOAN STORE, INC. | 22 | 6.563% | $280,000 | 4.0% |
| Bank of America, National Association | 21 | 6.250% | $265,000 | 19.2% |
| ARBOR FINANCIAL CREDIT UNION | 20 | 6.500% | $265,000 | 4.8% |
| Horizon Bank | 19 | 6.625% | $255,000 | 17.4% |
| Superior National Bank | 19 | 6.875% | $315,000 | 0.0% |
| First Merchants Bank | 17 | 6.625% | $335,000 | 19.1% |
| GreenStone Farm Credit Services, FLCA | 17 | 6.550% | $435,000 | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | 17 | 6.750% | $295,000 | 0.0% |
| T2 FINANCIAL LLC | 17 | 6.875% | $285,000 | 0.0% |
| Navy Federal Credit Union | 16 | 6.000% | $300,000 | 11.1% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 16 | 6.750% | $310,000 | 0.0% |
| UNITED FEDERAL CREDIT UNION | 16 | 6.250% | $380,000 | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 16 | 6.490% | $235,000 | 0.0% |
| MMS MORTGAGE SERVICES, LTD. | 16 | 6.375% | $245,000 | 0.0% |
| Prosperity Home Mortgage, LLC | 16 | 6.688% | $240,000 | 0.0% |
| GREENSTATE Credit Union | 15 | 9.340% | $35,000 | 53.8% |
| Grand River Bank | 15 | Not published | $275,000 | 6.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 13 | 6.625% | $335,000 | 13.3% |
| USAA Federal Savings Bank | 12 | 6.250% | $305,000 | 25.0% |
| Honor Credit Union | 12 | 6.500% | $225,000 | 14.3% |
| ENVOY MORTGAGE, LTD | 12 | 6.500% | $325,000 | 0.0% |
| EVERETT FINANCIAL, INC. | 12 | 6.688% | $240,000 | 0.0% |
| STAUNTON FINANCIAL, INC. | 12 | 6.495% | $320,000 | 0.0% |
| MICHIGAN MUTUAL, INC. | 11 | 6.625% | $195,000 | 21.4% |
| Wells Fargo Bank, National Association | 11 | 6.250% | $225,000 | 0.0% |
| CMG MORTGAGE, INC. | 11 | 6.625% | $355,000 | 0.0% |
| First National Bank of America | 11 | 9.750% | $195,000 | 0.0% |
| GVC MORTGAGE, INC. | 11 | 6.625% | $315,000 | 0.0% |
| Community West Credit Union | 10 | 7.063% | $215,000 | 16.7% |
| A&D Mortgage LLC | 10 | 6.808% | $265,000 | 0.0% |
| CREDIT UNION ONE | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Plains Commerce Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Genisys Credit Union | 9 | Under 10 loans | Under 10 loans | 0.0% |
| COMPASS MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 8 | Under 10 loans | Under 10 loans | 69.2% |
| INSPIRE HOME LOANS INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| NATIONSTAR MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 7 | Under 10 loans | Under 10 loans | 30.0% |
| OCMBC, INC. | 7 | Under 10 loans | Under 10 loans | 16.7% |
| Isabella Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| NBKC BANK | 7 | Under 10 loans | Under 10 loans | 12.5% |
| AAC Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Highpoint Community Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Meijer Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 18.2% |
| AMERICAN FINANCIAL NETWORK, INC. | 6 | Under 10 loans | Under 10 loans | 22.2% |
| MICHIGAN SCHOOLS AND GOVERNMENT | 6 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| 254900DIWCHEQWZ9GV45 | 6 | Under 10 loans | Under 10 loans | 0.0% |
| J. VIRGIL, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| BETTER MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| PRESTON HOME LOANS INC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Macatawa Bank, N. A. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 4Front Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 16.7% |
| LOWER, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PLUS RELOCATION MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| POLARIS HOME FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| KELLOGG COMMUNITY CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Sturgis Bank & Trust Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| THE ANDERSON FINANCIAL GROUP, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RIVER VALLEY CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 3 | Under 10 loans | Under 10 loans | 88.2% |
| LENDINGONE, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Loan Funder LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Park Lane Finance Solutions, LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| MEMBERS FIRST Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PREFERRED CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LEADERONE FINANCIAL CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DOW CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CHAMPIONS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NQM FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sidney State Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 254900O723MCLR701H50 | 2 | Under 10 loans | Under 10 loans | 92.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Union Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Sunflower Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Community Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROSS MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSITY OF MICHIGAN CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Wings Financial Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Centier Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| BLG HOLDINGS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Beeline Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PFCU | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900UYC52VIJUZ5X82 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Byline Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TEAM ONE CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TLC COMMUNITY Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank of Indiana | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| State Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 40.0% |
| Loandepot.Com, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Comerica Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Neighborhood Mortgage Solutions | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| NEW DAY FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 66.7% |
| DAS Acquisition Company, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| West Michigan Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Dort Financial Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Starion Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SUMMIT HOME MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Royal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 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 107 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.