Mortgage lenders in Lapeer County
2,268 mortgages were made in Lapeer County, Michigan, in 2025, by 218 lenders. The median rate their borrowers got was 6.750% on a median loan of $185,000. Of 3,005 decisions, 610 were denials — 20.3%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 244 | 6.750% | $190,000 | 16.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 220 | 6.500% | $255,000 | 12.0% |
| PNC Bank, National Association | 121 | 0.250% | $75,000 | 20.4% |
| ChoiceOne Bank | 86 | 6.750% | $90,000 | 28.2% |
| Genisys Credit Union | 79 | 7.240% | $105,000 | 12.6% |
| Dort Financial Credit Union | 77 | 6.625% | $75,000 | 23.0% |
| The Huntington National Bank | 75 | 7.040% | $155,000 | 22.2% |
| J. VIRGIL, INC. | 63 | 6.500% | $185,000 | 0.0% |
| ELGA CREDIT UNION | 57 | 8.240% | $75,000 | 11.8% |
| LAKE MICHIGAN CREDIT UNION | 54 | 6.375% | $300,000 | 1.8% |
| SECURITY CREDIT UNION | 51 | 6.625% | $65,000 | 21.1% |
| MORTGAGE 1 INCORPORATED | 47 | 6.625% | $225,000 | 4.0% |
| PRESTON HOME LOANS INC | 45 | 6.625% | $235,000 | 0.0% |
| UNION HOME MORTGAGE CORP. | 43 | 6.625% | $285,000 | 6.4% |
| MICHIGAN SCHOOLS AND GOVERNMENT | 40 | 7.120% | $130,000 | 16.3% |
| JPMorgan Chase Bank, National Association | 39 | 7.125% | $195,000 | 6.8% |
| The Dart Bank | 29 | 7.000% | $345,000 | 8.3% |
| First State Bank | 28 | 6.813% | $300,000 | 3.3% |
| BLG HOLDINGS, INC. | 27 | 6.625% | $225,000 | 0.0% |
| GreenStone Farm Credit Services, FLCA | 26 | 6.850% | $335,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 24 | 6.250% | $210,000 | 7.1% |
| Citizens Bank, National Association | 23 | 7.650% | $105,000 | 44.2% |
| FIRST CHOICE MH LLC | 22 | 10.350% | $95,000 | 0.0% |
| CREDIT UNION ONE | 21 | 7.990% | $125,000 | 31.3% |
| PLAZA HOME MORTGAGE, INC. | 21 | 6.625% | $255,000 | 16.0% |
| Mortgage Research Center, LLC | 20 | 6.250% | $305,000 | 34.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 20 | 6.575% | $225,000 | 9.1% |
| NEWREZ LLC | 19 | 7.875% | $125,000 | 34.5% |
| Independent Bank | 19 | 7.000% | $125,000 | 35.5% |
| Loandepot.Com, LLC | 19 | 6.625% | $175,000 | 29.6% |
| Bank of America, National Association | 15 | 6.250% | $145,000 | 25.0% |
| Fifth Third Bank, National Association | 14 | 7.750% | $70,000 | 46.4% |
| STAUNTON FINANCIAL, INC. | 14 | 6.750% | $280,000 | 6.7% |
| Tri-County Bank | 14 | Not published | $205,000 | 12.5% |
| Frankenmuth Credit Union | 14 | 7.313% | $105,000 | 0.0% |
| AmeriSave Mortgage Corporation | 13 | 8.375% | $65,000 | 63.9% |
| SPRING EQ, LLC | 13 | 9.275% | $55,000 | 61.8% |
| Coastal Community Bank | 12 | 10.990% | $55,000 | 0.0% |
| Broker Solutions, Inc. | 12 | 6.875% | $180,000 | 27.8% |
| NATIONSTAR MORTGAGE LLC | 12 | 8.813% | $85,000 | 29.4% |
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 12 | 7.500% | $110,000 | 34.8% |
| PENNYMAC LOAN SERVICES, LLC | 12 | 6.188% | $230,000 | 7.1% |
| VIBE CREDIT UNION | 12 | 6.875% | $60,000 | 0.0% |
| First Merchants Bank | 12 | 6.188% | $230,000 | 0.0% |
| GUARANTEED RATE, INC. | 11 | 6.550% | $225,000 | 7.7% |
| MORTGAGE CENTER L.C | 11 | 6.500% | $155,000 | 0.0% |
| ROSS MORTGAGE CORPORATION | 11 | 6.750% | $255,000 | 0.0% |
| Superior National Bank | 11 | 6.625% | $295,000 | 0.0% |
| MICHIGAN MUTUAL, INC. | 10 | 7.058% | $215,000 | 0.0% |
| FINANCIAL PLUS CREDIT UNION | 10 | 7.490% | $45,000 | 16.7% |
| Flagstar Bank, N.A. | 9 | Under 10 loans | Under 10 loans | 33.3% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 9 | Under 10 loans | Under 10 loans | 9.1% |
| EVERETT FINANCIAL, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Lendage, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 8 | Under 10 loans | Under 10 loans | 50.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 31.3% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| FIGURE LENDING LLC | 7 | Under 10 loans | Under 10 loans | 23.1% |
| Navy Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 50.0% |
| TOWNE MORTGAGE COMPANY | 7 | Under 10 loans | Under 10 loans | 22.2% |
| SOVITA Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 60.5% |
| Equity Prime Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| MEMBER FIRST MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 82.8% |
| ADVIA Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 58.3% |
| 254900M2C4Q6DATP2889 | 5 | Under 10 loans | Under 10 loans | 37.5% |
| VILLAGE CAPITAL & INVESTMENT LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| DAS Acquisition Company, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 55.6% |
| GREENSTATE Credit Union | 4 | Under 10 loans | Under 10 loans | 53.8% |
| THE LOAN STORE, INC. | 4 | Under 10 loans | Under 10 loans | 28.6% |
| Comerica Bank | 4 | Under 10 loans | Under 10 loans | 60.0% |
| MICHIGAN FIRST CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 42.9% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Cornerstone First Mortgage, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DFCU FINANCIAL | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Prosperity Home Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY FINANCIAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| University Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| COMMUNITY CHOICE | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST FUNDING, LP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR FINANCIAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWOOD CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| U.S. Bank National Association | 2 | Under 10 loans | Under 10 loans | 66.7% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Emporium TPO LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Extra | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Michigan United Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| St James Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Zeal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 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% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 94.1% |
| TAMMAC HOLDINGS CORPORATION | 1 | Under 10 loans | Under 10 loans | 88.9% |
| Zippy Loans, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMERS CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE COMMUNITY FINANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EZ FUNDINGS INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEAM ONE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE LINK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old Second National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| State Department Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST STATE FINANCIAL, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Christian Financial Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wildfire Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Evergreen Bank Group | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAFCU Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MYCUMORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHERN MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Thumb Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE 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% |
| V.I.P. MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Ann Arbor | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MONROE COMMUNITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VAN DYK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HFG HOLDINGS, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Wells Fargo Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| NETWORK CAPITAL FUNDING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 66.7% |
| AMERICAN FINANCIAL RESOURCES, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Third Federal Savings and Loan Association of Cleveland | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERITRUST MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Michigan Legacy Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LONGBRIDGE FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LoanUnited.com, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| HOMEXPRESS MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Signature Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Northpointe Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| SUCCESS MORTGAGE PARTNERS, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Strong Home Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| RF RENOVO MANAGEMENT COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Service Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Peoples Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| UNIVERSITY OF MICHIGAN CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 18 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Bank branches in Lapeer County
19 FDIC-insured branches from 7 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| ChoiceOne Bank | 8 | $686.0 million |
| Tri-County Bank | 3 | $138.4 million |
| PNC Bank, National Association | 2 | $305.7 million |
| The Huntington National Bank | 2 | $185.6 million |
| Independent Bank | 2 | $60.2 million |
| JPMorgan Chase Bank, National Association | 1 | $171.1 million |
| Oxford Bank | 1 | $39.2 million |
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When the next year’s lending figures are out for Lapeer 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.