Mortgage lenders in Saginaw County
3,495 mortgages were made in Saginaw County, Michigan, in 2025, by 271 lenders. The median rate their borrowers got was 6.750% on a median loan of $135,000. Of 4,720 decisions, 1,073 were denials — 22.7%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Frankenmuth Credit Union | 336 | 7.125% | $115,000 | 2.3% |
| Rocket Mortgage, LLC | 297 | 6.875% | $135,000 | 17.5% |
| The Huntington National Bank | 258 | 7.590% | $85,000 | 40.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 240 | 6.500% | $165,000 | 19.7% |
| LAKE MICHIGAN CREDIT UNION | 118 | 6.625% | $145,000 | 9.9% |
| STAUNTON FINANCIAL, INC. | 97 | 6.625% | $155,000 | 3.0% |
| Wildfire Credit Union | 94 | Not published | $125,000 | 19.7% |
| FINANCIAL PLUS CREDIT UNION | 92 | 7.240% | $65,000 | 38.8% |
| Independent Bank | 92 | 6.625% | $135,000 | 22.5% |
| Isabella Bank | 84 | 6.738% | $145,000 | 22.7% |
| Mortgage Research Center, LLC | 65 | 6.500% | $205,000 | 33.0% |
| PRESTON HOME LOANS INC | 63 | 6.625% | $155,000 | 6.0% |
| UNITED FINANCIAL Credit Union | 59 | 6.500% | $115,000 | 15.5% |
| BLG HOLDINGS, INC. | 56 | 6.625% | $165,000 | 1.8% |
| PNC Bank, National Association | 50 | 7.360% | $105,000 | 41.8% |
| DOW CREDIT UNION | 50 | 7.188% | $95,000 | 7.1% |
| Fifth Third Bank, National Association | 50 | 7.250% | $105,000 | 22.7% |
| JOLT CREDIT UNION | 48 | 5.990% | $145,000 | 15.5% |
| GUARANTEED RATE, INC. | 43 | 6.625% | $165,000 | 10.4% |
| 1ST STATE FINANCIAL, LTD. | 41 | Not published | $145,000 | 6.8% |
| MORTGAGE 1 INCORPORATED | 39 | 6.625% | $185,000 | 0.0% |
| Citizens Bank, National Association | 34 | 7.650% | $95,000 | 37.0% |
| Lake Huron Credit Union | 34 | 6.500% | $125,000 | 26.1% |
| DAS Acquisition Company, LLC | 33 | 6.625% | $175,000 | 5.4% |
| J. VIRGIL, INC. | 33 | 6.750% | $175,000 | 0.0% |
| The Dart Bank | 32 | 6.625% | $215,000 | 15.4% |
| CREDIT UNION ONE | 31 | 7.990% | $75,000 | 11.9% |
| Mercantile Bank | 31 | 6.625% | $75,000 | 13.9% |
| HEALTH ADVANTAGE FEDERAL CREDIT UNION | 31 | 6.750% | $195,000 | 3.1% |
| JPMorgan Chase Bank, National Association | 30 | 6.688% | $165,000 | 9.1% |
| PENNYMAC LOAN SERVICES, LLC | 25 | 5.875% | $175,000 | 27.8% |
| NEWREZ LLC | 24 | 6.625% | $135,000 | 22.6% |
| Loandepot.Com, LLC | 23 | 6.990% | $85,000 | 43.9% |
| Navy Federal Credit Union | 23 | 6.875% | $175,000 | 20.7% |
| 2549002HZ6B3ZIAO3Q76 | 23 | 6.500% | $35,000 | 31.6% |
| Dort Financial Credit Union | 22 | 5.875% | $105,000 | 18.5% |
| TEAM ONE CREDIT UNION | 21 | 6.500% | $135,000 | 4.6% |
| 21st Mortgage Corporation | 20 | 12.070% | $55,000 | 68.8% |
| Broker Solutions, Inc. | 20 | 6.813% | $170,000 | 28.6% |
| FREEDOM MORTGAGE CORPORATION | 20 | 6.188% | $180,000 | 16.7% |
| ChoiceOne Bank | 20 | 6.563% | $70,000 | 37.5% |
| ELGA CREDIT UNION | 20 | 8.490% | $70,000 | 25.9% |
| FIRST COMMUNITY MORTGAGE, INC. | 20 | 6.625% | $170,000 | 0.0% |
| MEMBERS FIRST Credit Union | 17 | 6.750% | $135,000 | 15.0% |
| UNION HOME MORTGAGE CORP. | 14 | 6.625% | $105,000 | 15.8% |
| NATIONSTAR MORTGAGE LLC | 14 | 7.933% | $95,000 | 12.5% |
| Prosperity Home Mortgage, LLC | 14 | 6.625% | $140,000 | 6.7% |
| GreenStone Farm Credit Services, FLCA | 13 | 6.850% | $335,000 | 0.0% |
| Great Lakes Federal Credit Union | 13 | 6.250% | $55,000 | 0.0% |
| FIGURE LENDING LLC | 12 | 8.075% | $40,000 | 46.9% |
| Coastal Community Bank | 11 | 10.490% | $65,000 | 0.0% |
| SECURITY CREDIT UNION | 11 | 5.750% | $25,000 | 40.0% |
| Flagstar Bank, N.A. | 11 | 6.750% | $205,000 | 25.0% |
| USAA Federal Savings Bank | 11 | 6.500% | $185,000 | 15.4% |
| United Bay Community Credit Union | 11 | 6.875% | $65,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 10 | 6.687% | $145,000 | 47.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 10 | 6.688% | $140,000 | 0.0% |
| ROSS MORTGAGE CORPORATION | 10 | 6.808% | $155,000 | 0.0% |
| First State Bank | 10 | 7.000% | $175,000 | 0.0% |
| GENEVA FINANCIAL, LLC | 10 | 6.625% | $130,000 | 0.0% |
| AmeriSave Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 81.6% |
| Bank of America, National Association | 9 | Under 10 loans | Under 10 loans | 47.1% |
| Horizon Bank | 9 | Under 10 loans | Under 10 loans | 30.8% |
| ZILLOW HOME LOANS, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST FUNDING, LP | 9 | Under 10 loans | Under 10 loans | 9.1% |
| TOWNE MORTGAGE COMPANY | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| THE LOAN STORE, INC. | 8 | Under 10 loans | Under 10 loans | 30.8% |
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 16.7% |
| Kiavi Funding, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 46.2% |
| Genisys Credit Union | 7 | Under 10 loans | Under 10 loans | 33.3% |
| Magnolia Bank, Incorporated | 7 | Under 10 loans | Under 10 loans | 22.2% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 12.5% |
| FinancialEdge Community Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 6 | Under 10 loans | Under 10 loans | 77.8% |
| Discover Bank | 6 | Under 10 loans | Under 10 loans | 57.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| ROYAL UNITED MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Wells Fargo Bank, National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Plains Commerce Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN SCHOOLS AND GOVERNMENT | 6 | Under 10 loans | Under 10 loans | 14.3% |
| MOVEMENT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE CENTER L.C | 5 | Under 10 loans | Under 10 loans | 16.7% |
| KIND LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Consumers Professional Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 16.7% |
| EVERETT FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| 254900M2C4Q6DATP2889 | 4 | Under 10 loans | Under 10 loans | 33.3% |
| GoodLeap, LLC | 4 | Under 10 loans | Under 10 loans | 14.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| STOCKTON MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| MICHIGAN FIRST CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Merchants Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMERS CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUNRISE FAMILY CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 3 | Under 10 loans | Under 10 loans | 61.1% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LAKEVIEW LOAN SERVICING, LLC | 3 | Under 10 loans | Under 10 loans | 68.8% |
| Zippy Loans, LLC | 3 | Under 10 loans | Under 10 loans | 75.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MEMBER FIRST MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 3 | Under 10 loans | Under 10 loans | 16.7% |
| COMMUNITY FINANCIAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Thumb Bank and Trust | 3 | Under 10 loans | Under 10 loans | 40.0% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| 254900CTT87ZKAUTIJ37 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSITY OF MICHIGAN CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PFCU | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 254900DIWCHEQWZ9GV45 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MYCUMORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| County National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DFCU FINANCIAL | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 54.6% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 20.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GVC MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Superior National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OceanFirst Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOC Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| U.S. Bank National Association | 1 | Under 10 loans | Under 10 loans | 83.3% |
| LoanUnited.com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY CHOICE | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, 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 | 50.0% |
| 2549004XDCE3LGQW7H72 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ABL RPC Residential Credit Acquisition LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SOVITA Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAFCU Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| North American Savings Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| State Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREFERRED CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900RNV63A0TIZNK90 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Lake Trust Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Honor Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MidFirst Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 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% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TruHome Solutions, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DELMAR FINANCIAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN EDUCATIONAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northstar Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EZ FUNDINGS INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLUS RELOCATION MORTGAGE, LLC | 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% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, 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 71 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Saginaw County
32 FDIC-insured branches from 10 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| The Huntington National Bank | 7 | $826.7 million |
| ChoiceOne Bank | 5 | $194.2 million |
| Isabella Bank | 5 | $190.7 million |
| JPMorgan Chase Bank, National Association | 3 | $394.6 million |
| PNC Bank, National Association | 3 | $283.2 million |
| Independent Bank | 3 | $213.8 million |
| 1st State Bank | 2 | $313.1 million |
| Mercantile Bank | 2 | $91.9 million |
| Fifth Third Bank, National Association | 1 | $83.5 million |
| Thumb Bank and Trust | 1 | $37.2 million |
Closed since the 2025 survey
2 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Citizens Bank, National Association, 100 W Broad St, Chesaning
- Mercantile Bank, 5444 State Street, STE 2, Saginaw
Get told when this changes
When the next year’s lending figures are out for Saginaw 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.