Mortgage lenders in Monroe County
4,125 mortgages were made in Monroe County, Michigan, in 2025, by 276 lenders. The median rate their borrowers got was 6.875% on a median loan of $165,000. Of 5,664 decisions, 1,310 were denials — 23.1%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 462 | 6.750% | $165,000 | 17.9% |
| The Huntington National Bank | 304 | 7.465% | $115,000 | 29.4% |
| AMERICAN FINANCIAL NETWORK, INC. | 283 | 6.625% | $215,000 | 2.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 233 | 6.490% | $225,000 | 15.7% |
| First Merchants Bank | 214 | 6.875% | $105,000 | 27.1% |
| Fifth Third Bank, National Association | 187 | 7.750% | $105,000 | 31.1% |
| MONROE COMMUNITY CREDIT UNION | 164 | 6.750% | $55,000 | 6.3% |
| UNION HOME MORTGAGE CORP. | 154 | 6.775% | $185,000 | 9.3% |
| Directions Credit Union, Inc. | 130 | 6.750% | $105,000 | 14.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 85 | 6.688% | $195,000 | 3.4% |
| Citizens Bank, National Association | 76 | 7.400% | $105,000 | 24.0% |
| DFCU FINANCIAL | 69 | 6.375% | $225,000 | 12.2% |
| PNC Bank, National Association | 64 | 7.490% | $105,000 | 32.3% |
| KeyBank National Association | 59 | 6.500% | $165,000 | 22.4% |
| TRIAD FINANCIAL SERVICES, INC. | 58 | 8.490% | $65,000 | 51.6% |
| MORTGAGE 1 INCORPORATED | 53 | 6.625% | $185,000 | 0.0% |
| 21st Mortgage Corporation | 52 | 11.450% | $55,000 | 69.7% |
| NEWREZ LLC | 48 | 6.813% | $200,000 | 25.0% |
| Loandepot.Com, LLC | 43 | 7.125% | $145,000 | 16.7% |
| TLC COMMUNITY Credit Union | 43 | 7.500% | $85,000 | 20.7% |
| Mortgage Research Center, LLC | 41 | 6.250% | $245,000 | 26.3% |
| NATIONSTAR MORTGAGE LLC | 41 | 7.250% | $115,000 | 17.7% |
| FREEDOM MORTGAGE CORPORATION | 38 | 6.250% | $215,000 | 10.9% |
| GreenStone Farm Credit Services, FLCA | 38 | 6.550% | $305,000 | 4.4% |
| EQUITY RESOURCES, INC. | 36 | 6.625% | $220,000 | 12.2% |
| Old National Bank | 34 | 6.375% | $170,000 | 10.5% |
| LAKE MICHIGAN CREDIT UNION | 34 | 6.625% | $260,000 | 5.6% |
| THE MORTGAGE LINK, INC. | 34 | 6.688% | $215,000 | 2.9% |
| MORTGAGE CENTER L.C | 30 | 6.250% | $240,000 | 18.9% |
| STAUNTON FINANCIAL, INC. | 28 | 6.625% | $245,000 | 9.7% |
| FIGURE LENDING LLC | 27 | 9.075% | $55,000 | 26.4% |
| JPMorgan Chase Bank, National Association | 27 | 6.625% | $255,000 | 12.5% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 27 | 6.875% | $265,000 | 3.3% |
| PENNYMAC LOAN SERVICES, LLC | 24 | 6.188% | $245,000 | 16.7% |
| GUARANTEED RATE, INC. | 23 | 6.550% | $225,000 | 14.8% |
| THE LOAN STORE, INC. | 22 | 6.688% | $215,000 | 17.9% |
| CMG MORTGAGE, INC. | 21 | 6.750% | $235,000 | 10.3% |
| Flagstar Bank, N.A. | 21 | 6.625% | $205,000 | 8.7% |
| GVC MORTGAGE, INC. | 19 | 6.990% | $205,000 | 0.0% |
| Click n' Close, Inc. | 19 | 6.750% | $265,000 | 0.0% |
| Navy Federal Credit Union | 18 | 6.438% | $275,000 | 41.9% |
| RUOFF MORTGAGE COMPANY, INC. | 18 | 6.750% | $230,000 | 13.0% |
| ADVANTAGE ONE Credit Union | 18 | 8.240% | $55,000 | 5.0% |
| INSPIRE HOME LOANS INC. | 16 | 6.375% | $315,000 | 14.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 16 | 6.250% | $175,000 | 37.0% |
| MICHIGAN FIRST CREDIT UNION | 16 | 7.500% | $200,000 | 23.8% |
| AmeriSave Mortgage Corporation | 15 | 8.375% | $65,000 | 70.0% |
| Civista Bank | 15 | 6.500% | $355,000 | 0.0% |
| WesBanco Bank, Inc. | 15 | 6.750% | $225,000 | 0.0% |
| Bank of America, National Association | 14 | 5.990% | $145,000 | 46.2% |
| UNIVERSITY OF MICHIGAN CREDIT UNION | 14 | 7.500% | $70,000 | 15.8% |
| SUN Federal Credit Union | 14 | 7.438% | $80,000 | 0.0% |
| SPRING EQ, LLC | 13 | 11.625% | $55,000 | 60.6% |
| Coastal Community Bank | 12 | 10.740% | $35,000 | 0.0% |
| Public Service Credit Union | 12 | 6.750% | $65,000 | 18.8% |
| COMMUNITY FINANCIAL CREDIT UNION | 12 | 8.000% | $70,000 | 36.8% |
| NFM, INC. | 12 | 6.875% | $260,000 | 0.0% |
| Discover Bank | 11 | 9.310% | $75,000 | 59.3% |
| Kiavi Funding, Inc. | 11 | 9.500% | $135,000 | 8.3% |
| ADVIA Federal Credit Union | 11 | 7.500% | $65,000 | 8.3% |
| LAKEVIEW LOAN SERVICING, LLC | 10 | 6.750% | $195,000 | 51.6% |
| Broker Solutions, Inc. | 10 | 6.875% | $225,000 | 37.5% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 10 | 11.375% | $60,000 | 58.3% |
| Genisys Credit Union | 10 | 6.575% | $155,000 | 23.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 10 | 6.375% | $185,000 | 33.3% |
| MICHIGAN SCHOOLS AND GOVERNMENT | 10 | 7.115% | $65,000 | 23.1% |
| The Genoa Banking Company | 10 | Not published | $235,000 | 0.0% |
| Lendage, LLC | 9 | Under 10 loans | Under 10 loans | 26.7% |
| CREDIT UNION ONE | 8 | Under 10 loans | Under 10 loans | 37.5% |
| SOFI BANK, NATIONAL ASSOCIATION | 8 | Under 10 loans | Under 10 loans | 20.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 8 | Under 10 loans | Under 10 loans | 30.8% |
| PHH Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Wells Fargo Bank, National Association | 8 | Under 10 loans | Under 10 loans | 10.0% |
| The Dart Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Michigan Legacy Credit Union | 8 | Under 10 loans | Under 10 loans | 20.0% |
| University Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| BLG HOLDINGS, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| ROSS MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| TRUE COMMUNITY Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 5 | Under 10 loans | Under 10 loans | 37.5% |
| U.S. Bank National Association | 5 | Under 10 loans | Under 10 loans | 50.0% |
| Valon Mortgage, Inc. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| PLAZA HOME MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Independent Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Waterford Bank, N.A. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 4 | Under 10 loans | Under 10 loans | 65.2% |
| NEW DAY FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 77.8% |
| AMERICAN FINANCING CORPORATION | 4 | Under 10 loans | Under 10 loans | 58.3% |
| GREENSTATE Credit Union | 4 | Under 10 loans | Under 10 loans | 45.5% |
| Third Federal Savings and Loan Association of Cleveland | 4 | Under 10 loans | Under 10 loans | 55.6% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| LOC Credit Union | 4 | Under 10 loans | Under 10 loans | 42.9% |
| ZILLOW HOME LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 33.3% |
| ROYAL UNITED MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN EDUCATIONAL | 4 | Under 10 loans | Under 10 loans | 20.0% |
| MOVEMENT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| GREENWOOD CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Signature Bank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Zippy Loans, LLC | 3 | Under 10 loans | Under 10 loans | 87.5% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| GoodLeap, LLC | 3 | Under 10 loans | Under 10 loans | 33.3% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Farmers & Merchants State Bank | 3 | Under 10 loans | Under 10 loans | 33.3% |
| OCMBC, INC. | 3 | Under 10 loans | Under 10 loans | 33.3% |
| Comerica Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GENEVA FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Mercantile Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE COMMUNITY FINANCIAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Superior National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRESTON HOME LOANS INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Dearborn Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SCHUMACHER MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Lake Trust Credit Union | 2 | Under 10 loans | Under 10 loans | 75.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MILEND, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wings Financial Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| COMMUNITY CHOICE | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Zeal Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MICHIGAN MUTUAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUPERIOR CREDIT UNION, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VIBE CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| V.I.P. MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| County National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Old Second National Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Savings and Loan Association of Lakewood | 2 | Under 10 loans | Under 10 loans | 0.0% |
| J. VIRGIL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN HERITAGE LENDING, LLC | 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% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The State Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 66.7% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Evergreen Bank Group | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LAFCU Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GreenStone Farm Credit Services, ACA | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMERS CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 2549004XDCE3LGQW7H72 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Union Bank Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valley West Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Service Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cazle Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PULTE MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 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 76 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Monroe County
22 FDIC-insured branches from 7 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| First Merchants Bank | 9 | $1.0 billion |
| The Huntington National Bank | 4 | $618.2 million |
| Fifth Third Bank, National Association | 3 | $350.9 million |
| KeyBank National Association | 3 | $192.4 million |
| Old National Bank | 1 | $590.7 million |
| PNC Bank, National Association | 1 | $162.3 million |
| Flagstar Bank, National Association | 1 | $47.0 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.