Home purchase lenders in Oakland County
14,475 home purchase mortgages were made in Oakland County, Michigan, in 2025, by 430 lenders. The median rate their borrowers got was 6.625% on a median loan of $305,000. Of 17,186 decisions, 2,237 were denials — 13.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 2,635 | 6.625% | $295,000 | 7.4% |
| Rocket Mortgage, LLC | 1,510 | 6.625% | $305,000 | 10.0% |
| LAKE MICHIGAN CREDIT UNION | 626 | 6.250% | $455,000 | 2.2% |
| STAUNTON FINANCIAL, INC. | 529 | 6.624% | $325,000 | 4.8% |
| First Merchants Bank | 458 | 6.250% | $305,000 | 1.7% |
| JPMorgan Chase Bank, National Association | 383 | 6.490% | $305,000 | 8.9% |
| Flagstar Bank, N.A. | 331 | 6.625% | $275,000 | 17.8% |
| Genisys Credit Union | 326 | 6.500% | $295,000 | 10.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 317 | 6.875% | $305,000 | 2.4% |
| The Huntington National Bank | 282 | 6.500% | $325,000 | 8.3% |
| MORTGAGE 1 INCORPORATED | 280 | 6.625% | $275,000 | 1.4% |
| UNION HOME MORTGAGE CORP. | 267 | 6.813% | $295,000 | 1.8% |
| MICHIGAN SCHOOLS AND GOVERNMENT | 259 | 5.875% | $355,000 | 3.7% |
| MORTGAGE CENTER L.C | 249 | 6.250% | $355,000 | 1.6% |
| 21st Mortgage Corporation | 245 | 11.190% | $55,000 | 67.5% |
| PULTE MORTGAGE LLC | 217 | 6.500% | $425,000 | 6.9% |
| GUARANTEED RATE, INC. | 202 | 6.625% | $290,000 | 3.8% |
| THE LOAN STORE, INC. | 202 | 6.750% | $330,000 | 4.8% |
| Superior National Bank | 202 | 6.625% | $325,000 | 0.5% |
| Bank of America, National Association | 175 | 6.125% | $255,000 | 12.1% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 147 | 6.750% | $265,000 | 1.3% |
| First State Bank | 145 | 6.500% | $285,000 | 2.7% |
| Independent Bank | 136 | 6.625% | $280,000 | 4.9% |
| ROSS MORTGAGE CORPORATION | 131 | 6.875% | $295,000 | 1.5% |
| MICHIGAN FIRST CREDIT UNION | 125 | 6.625% | $295,000 | 11.9% |
| ZILLOW HOME LOANS, LLC | 122 | 6.625% | $250,000 | 5.3% |
| DFCU FINANCIAL | 116 | 6.250% | $310,000 | 0.8% |
| PRESTON HOME LOANS INC | 103 | 6.750% | $285,000 | 1.0% |
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 100 | 6.625% | $285,000 | 2.9% |
| Mortgage Research Center, LLC | 99 | 6.375% | $305,000 | 19.4% |
| The Dart Bank | 94 | 6.750% | $370,000 | 1.1% |
| Citizens Bank, National Association | 88 | 6.875% | $305,000 | 25.6% |
| Fifth Third Bank, National Association | 86 | 6.500% | $345,000 | 16.4% |
| Kiavi Funding, Inc. | 81 | 11.250% | $245,000 | 6.7% |
| FIRST COMMUNITY MORTGAGE, INC. | 81 | 6.875% | $285,000 | 2.1% |
| PENNYMAC LOAN SERVICES, LLC | 80 | 6.750% | $310,000 | 14.0% |
| NEWREZ LLC | 77 | 6.750% | $305,000 | 10.3% |
| Zippy Loans, LLC | 75 | 9.400% | $35,000 | 40.5% |
| CMG MORTGAGE, INC. | 73 | 6.688% | $285,000 | 2.4% |
| TRIAD FINANCIAL SERVICES, INC. | 72 | 8.510% | $55,000 | 61.4% |
| PNC Bank, National Association | 72 | 6.500% | $285,000 | 18.0% |
| GREENSTATE Credit Union | 71 | 8.090% | $45,000 | 46.9% |
| PLAZA HOME MORTGAGE, INC. | 70 | 6.625% | $280,000 | 12.2% |
| CREDIT UNION ONE | 65 | 6.500% | $255,000 | 12.5% |
| MEMBER FIRST MORTGAGE, LLC | 62 | 6.000% | $445,000 | 4.4% |
| THE MORTGAGE LINK, INC. | 61 | 6.750% | $275,000 | 0.0% |
| EVERETT FINANCIAL, INC. | 53 | 6.625% | $275,000 | 10.9% |
| MICHIGAN MUTUAL, INC. | 51 | 6.990% | $265,000 | 6.9% |
| VIBE CREDIT UNION | 48 | 6.375% | $225,000 | 3.9% |
| Plains Commerce Bank | 46 | 6.500% | $345,000 | 4.2% |
| Broker Solutions, Inc. | 46 | 6.683% | $245,000 | 6.1% |
| SUCCESS MORTGAGE PARTNERS, INC. | 44 | 6.625% | $275,000 | 0.0% |
| KIND LENDING, LLC | 42 | 7.063% | $315,000 | 25.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 42 | 6.500% | $340,000 | 15.7% |
| Cornerstone First Mortgage, Inc | 42 | 6.625% | $270,000 | 2.3% |
| U.S. Bank National Association | 42 | 6.625% | $350,000 | 12.5% |
| Navy Federal Credit Union | 39 | 6.125% | $345,000 | 7.1% |
| MOVEMENT MORTGAGE, LLC | 35 | 6.625% | $325,000 | 0.0% |
| Morgan Stanley Private Bank, National Association | 33 | 5.950% | $605,000 | 0.0% |
| M/I FINANCIAL, LLC | 32 | 5.625% | $395,000 | 0.0% |
| TOLL BROTHERS MORTGAGE COMPANY | 29 | 6.375% | $585,000 | 18.3% |
| First Independence Bank | 29 | Not published | $435,000 | 0.0% |
| Luminate Bank | 29 | 6.990% | $265,000 | 0.0% |
| J. VIRGIL, INC. | 27 | 6.750% | $235,000 | 3.6% |
| USAA Federal Savings Bank | 26 | 6.375% | $330,000 | 25.7% |
| UNIVERSITY OF MICHIGAN CREDIT UNION | 26 | 6.375% | $305,000 | 0.0% |
| Comerica Bank | 26 | 6.183% | $310,000 | 16.1% |
| Prosperity Home Mortgage, LLC | 26 | 6.500% | $295,000 | 7.1% |
| CONSUMERS CREDIT UNION | 26 | 6.688% | $335,000 | 0.0% |
| Loandepot.Com, LLC | 25 | 6.625% | $335,000 | 18.8% |
| AMERICAN FINANCIAL NETWORK, INC. | 25 | 6.875% | $235,000 | 7.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 25 | 6.490% | $415,000 | 7.1% |
| TOWNE MORTGAGE COMPANY | 25 | 6.375% | $255,000 | 6.9% |
| Commerce Home Mortgage, Inc. | 24 | 8.250% | $295,000 | 31.4% |
| University Bank | 24 | 6.625% | $230,000 | 11.1% |
| THE ANDERSON FINANCIAL GROUP, INC. | 24 | 6.813% | $330,000 | 0.0% |
| Tomo Mortgage, LLC | 23 | 6.500% | $295,000 | 16.7% |
| AMERICAN FINANCIAL RESOURCES, INC. | 23 | 6.500% | $245,000 | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | 23 | 6.875% | $255,000 | 3.9% |
| Northpointe Bank | 23 | 6.670% | $315,000 | 8.0% |
| OCMBC, INC. | 20 | 7.188% | $245,000 | 9.1% |
| BLG HOLDINGS, INC. | 20 | 6.688% | $300,000 | 4.8% |
| GreenStone Farm Credit Services, FLCA | 20 | 6.725% | $500,000 | 4.4% |
| MORTGAGE ACCESS CORP. | 19 | 6.490% | $395,000 | 0.0% |
| A&D Mortgage LLC | 19 | 6.625% | $265,000 | 9.5% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 19 | 10.250% | $165,000 | 0.0% |
| Equity Prime Mortgage LLC | 18 | 7.250% | $285,000 | 18.2% |
| Wells Fargo Bank, National Association | 18 | 6.500% | $370,000 | 0.0% |
| COMMUNITY FINANCIAL CREDIT UNION | 18 | 6.813% | $195,000 | 3.3% |
| GUIDANCE RESIDENTIAL, LLC | 18 | 6.688% | $300,000 | 0.0% |
| UIF CORPORATION | 18 | 6.995% | $320,000 | 5.3% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 18 | 6.525% | $420,000 | 0.0% |
| NexBank | 18 | 6.875% | $305,000 | 9.5% |
| BETTER MORTGAGE CORPORATION | 17 | 6.875% | $345,000 | 37.0% |
| UBS Bank USA | 16 | 5.938% | $505,000 | 5.9% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 15 | 6.620% | $295,000 | 5.3% |
| CHAMPIONS FUNDING, LLC | 15 | 8.125% | $285,000 | 31.8% |
| STOCKTON MORTGAGE CORPORATION | 15 | 7.000% | $245,000 | 0.0% |
| RESICENTRAL, LLC | 15 | 7.875% | $505,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 15 | 6.375% | $225,000 | 5.9% |
| Dort Financial Credit Union | 15 | 6.000% | $255,000 | 6.3% |
| NBKC BANK | 14 | 6.308% | $335,000 | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 14 | 6.625% | $385,000 | 6.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 14 | 6.750% | $360,000 | 0.0% |
| Dearborn Federal Savings Bank | 14 | 6.375% | $320,000 | 17.7% |
| Loan Funder LLC | 13 | 10.750% | $155,000 | 13.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 13 | 6.625% | $305,000 | 7.1% |
| 254900CTT87ZKAUTIJ37 | 13 | 7.500% | $185,000 | 7.1% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 12 | 6.495% | $325,000 | 0.0% |
| GUILD MORTGAGE COMPANY | 12 | 6.500% | $250,000 | 13.3% |
| FREEDOM MORTGAGE CORPORATION | 12 | 5.688% | $375,000 | 7.7% |
| Bank of Ann Arbor | 12 | Not published | $355,000 | 7.1% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 12 | 6.624% | $255,000 | 0.0% |
| Sunflower Bank, National Association | 12 | 6.750% | $350,000 | 0.0% |
| Polish-American Federal Credit Union | 12 | 6.250% | $195,000 | 0.0% |
| ALLIANCE CATHOLIC CREDIT UNION | 11 | 5.250% | $315,000 | 8.3% |
| ChoiceOne Bank | 11 | 6.625% | $265,000 | 20.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 10 | 7.187% | $260,000 | 18.8% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 10 | 6.875% | $320,000 | 0.0% |
| Stifel Bank and Trust | 10 | 5.750% | $510,000 | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 10 | 6.688% | $225,000 | 0.0% |
| First Federal Bank | 9 | Under 10 loans | Under 10 loans | 25.0% |
| First National Bank of America | 9 | Under 10 loans | Under 10 loans | 18.2% |
| CHURCHILL MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 9 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Filo Mortgage, L.L.C. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| SUN WEST MORTGAGE COMPANY, INC. | 8 | Under 10 loans | Under 10 loans | 13.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 8 | Under 10 loans | Under 10 loans | 16.7% |
| LOWER, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| RBC Bank, (Georgia) National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCIAL PLUS CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN EDUCATIONAL | 8 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| HOMEXPRESS MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Barrington Bank & Trust Company, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 20.0% |
| ALLIANT CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| LOC Credit Union | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Fairway Independent Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Michigan United Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| The Farmers & Merchants State Bank | 5 | Under 10 loans | Under 10 loans | 37.5% |
| PENTAGON FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| AMWEST FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Citibank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Wildfire Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| EZ FUNDINGS INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SELFRELIANCE FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Truist Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| DOW CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ELGA CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LAFCU Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Horizon Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 3 | Under 10 loans | Under 10 loans | 81.7% |
| SPRING EQ, LLC | 3 | Under 10 loans | Under 10 loans | 62.5% |
| CANOPY MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Mercantile Bank | 3 | Under 10 loans | Under 10 loans | 50.0% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| FIRST COLONY MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| DOMINION FINANCIAL SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Waterman State Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Bank of Michigan | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GVC MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| A & N MORTGAGE SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 3 | 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 230 lenders each made 3 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.