Top Mortgage Lenders in Michigan (2025)
In 2025, 857 lenders made 228,525 home loans worth $56.6 billion in Michigan, according to Home Mortgage Disclosure Act (HMDA) data. The five largest made 24.5% of them. United Wholesale Mortgage made the most. Below: the top 25 lenders overall, then the top lenders for each kind of loan.
The 25 largest mortgage lenders in Michigan, 2025
Ranked by the number of home loans each lender made (originated) in Michigan in 2025, wherever the lender is based.
| # | Lender | Loans made | Loan volume | Avg. loan | Market share | Denial rate |
|---|---|---|---|---|---|---|
| 1 | United Wholesale Mortgage Plymouth, MI | 22,015 | $5.8B | $265,000 | 9.6% | 13.3% |
| 2 | Lake Michigan Credit Union Grand Rapids, MI | 12,864 | $3.5B | $271,000 | 5.6% | 6.6% |
| 3 | Huntington National Bank Columbus, OH | 10,932 | $2.0B | $183,000 | 4.8% | 34.4% |
| 4 | Fifth Third Bank, National Association Cincinnati, OH | 6,106 | $963.8M | $158,000 | 2.7% | 31.7% |
| 5 | Union Home Mortgage Corp. Strongsville, OH | 4,118 | $932.2M | $226,000 | 1.8% | 5.2% |
| 6 | Citizens Bank, NA Providence, RI | 3,697 | $647.6M | $175,000 | 1.6% | 33.2% |
| 7 | Mortgage 1 Incorporated Sterling Heights, MI | 3,342 | $819.0M | $245,000 | 1.5% | 2.3% |
| 8 | JPMorgan Chase Bank, NA Columbus, OH | 2,995 | $849.9M | $284,000 | 1.3% | 15.0% |
| 9 | Dfcu Financial Dearborn, MI | 2,985 | $512.9M | $172,000 | 1.3% | 14.4% |
| 10 | Consumers Credit Union Kalamazoo, MI | 2,929 | $565.3M | $193,000 | 1.3% | 11.6% |
| 11 | Michigan Schools and Governmen Clinton Township, MI | 2,902 | $528.4M | $182,000 | 1.3% | 14.6% |
| 12 | PNC Bank N.A. Pittsburgh, PA | 2,885 | $575.9M | $200,000 | 1.3% | 31.4% |
| 13 | Genisys Credit Union Auburn Hills, MI | 2,770 | $634.0M | $229,000 | 1.2% | 20.9% |
| 14 | Flagstar Bank NA Troy, MI | 2,677 | $607.2M | $227,000 | 1.2% | 27.3% |
| 15 | Dart Bank Mason, MI | 2,600 | $747.3M | $287,000 | 1.1% | 7.9% |
| 16 | Msu Federal Credit Union East Lansing, MI | 2,551 | $421.6M | $165,000 | 1.1% | 20.8% |
| 17 | Staunton Financial Inc Southfield, MI | 2,473 | $677.6M | $274,000 | 1.1% | 4.8% |
| 18 | Mortgage Research Center Columbia, MO | 2,334 | $629.0M | $269,000 | 1.0% | 28.9% |
| 19 | Crosscountry Mortgage, LLC Cleveland, OH | 2,327 | $598.6M | $257,000 | 1.0% | 6.2% |
| 20 | Independent Bank Grand Rapids, MI | 2,257 | $612.7M | $271,000 | 1.0% | 18.0% |
| 21 | Mortgage Center Lc Southfield, MI | 2,215 | $547.0M | $247,000 | 1.0% | 7.8% |
| 22 | Mercantile Bank Grand Rapids, MI | 2,101 | $606.6M | $289,000 | 0.9% | 15.2% |
| 23 | Bank of America NA Westlake Village, CA | 1,939 | $442.2M | $228,000 | 0.8% | 42.1% |
| 24 | First Merchants Bank Muncie, IN | 1,861 | $640.0M | $344,000 | 0.8% | 13.1% |
| 25 | Credit Union One Ferndale, MI | 1,833 | $2.9B | $1,603,000 | 0.8% | 29.5% |
Top Home Purchase Lenders in Michigan
725 lenders made 106,853 home purchase loans worth $32.8 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | United Wholesale Mortgage Plymouth, MI | 13,086 | 12.2% |
| 2 | Lake Michigan Credit Union Grand Rapids, MI | 6,815 | 6.4% |
| 3 | Union Home Mortgage Corp. Strongsville, OH | 2,992 | 2.8% |
| 4 | Mortgage 1 Incorporated Sterling Heights, MI | 2,735 | 2.6% |
| 5 | Huntington National Bank Columbus, OH | 2,407 | 2.3% |
| 6 | Staunton Financial Inc Southfield, MI | 2,166 | 2.0% |
| 7 | Dart Bank Mason, MI | 1,994 | 1.9% |
| 8 | Mortgage Research Center Columbia, MO | 1,932 | 1.8% |
| 9 | Flagstar Bank NA Troy, MI | 1,883 | 1.8% |
| 10 | Crosscountry Mortgage, LLC Cleveland, OH | 1,710 | 1.6% |
Top Refinance Lenders in Michigan
518 lenders made 36,578 refinance loans worth $11.2 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | United Wholesale Mortgage Plymouth, MI | 5,040 | 13.8% |
| 2 | Fifth Third Bank, National Association Cincinnati, OH | 1,983 | 5.4% |
| 3 | Lake Michigan Credit Union Grand Rapids, MI | 1,970 | 5.4% |
| 4 | Huntington National Bank Columbus, OH | 1,475 | 4.0% |
| 5 | Consumers Credit Union Kalamazoo, MI | 1,449 | 4.0% |
| 6 | Citizens Bank, NA Providence, RI | 1,333 | 3.6% |
| 7 | PNC Bank N.A. Pittsburgh, PA | 889 | 2.4% |
| 8 | Freedom Mortgage Corporation Boca Raton, FL | 843 | 2.3% |
| 9 | Michigan Schools and Governmen Clinton Township, MI | 821 | 2.2% |
| 10 | Union Home Mortgage Corp. Strongsville, OH | 634 | 1.7% |
Top Cash-Out Refinance Lenders in Michigan
469 lenders made 35,499 cash-out refinance loans worth $7.6 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | United Wholesale Mortgage Plymouth, MI | 3,889 | 11.0% |
| 2 | Huntington National Bank Columbus, OH | 2,019 | 5.7% |
| 3 | Newrez LLC Fort Washington, PA | 803 | 2.3% |
| 4 | Amerisave Mortgage Company Sandy Springs, GA | 748 | 2.1% |
| 5 | loanDepot.com LLC Irvine, CA | 608 | 1.7% |
| 6 | Freedom Mortgage Corporation Boca Raton, FL | 537 | 1.5% |
| 7 | Credit Union One Ferndale, MI | 511 | 1.4% |
| 8 | Nationstar Mortgage Coppell, TX | 510 | 1.4% |
| 9 | Carrington Mortgage Services LLC Orange, CA | 478 | 1.3% |
| 10 | JPMorgan Chase Bank, NA Columbus, OH | 448 | 1.3% |
Top FHA Lenders in Michigan
272 lenders made 23,142 FHA loans worth $5.1 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | United Wholesale Mortgage Plymouth, MI | 3,750 | 16.2% |
| 2 | Union Home Mortgage Corp. Strongsville, OH | 862 | 3.7% |
| 3 | Freedom Mortgage Corporation Boca Raton, FL | 613 | 2.6% |
| 4 | Mortgage 1 Incorporated Sterling Heights, MI | 597 | 2.6% |
| 5 | PennyMac Loan Services LLC Westlake Village, CA | 538 | 2.3% |
| 6 | Crosscountry Mortgage, LLC Cleveland, OH | 538 | 2.3% |
| 7 | Legacy Mortgage Grand Blanc, MI | 460 | 2.0% |
| 8 | Flagstar Bank NA Troy, MI | 391 | 1.7% |
| 9 | Staunton Financial Inc Southfield, MI | 382 | 1.7% |
| 10 | loanDepot.com LLC Irvine, CA | 366 | 1.6% |
Top VA Lenders in Michigan
228 lenders made 11,524 VA loans worth $3.4 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | Mortgage Research Center Columbia, MO | 2,139 | 18.6% |
| 2 | United Wholesale Mortgage Plymouth, MI | 1,936 | 16.8% |
| 3 | Freedom Mortgage Corporation Boca Raton, FL | 677 | 5.9% |
| 4 | Navy Federal Credit Union Vienna, VA | 341 | 3.0% |
| 5 | New Day Financial, Llc. West Palm Beach, FL | 310 | 2.7% |
| 6 | PennyMac Loan Services LLC Westlake Village, CA | 309 | 2.7% |
| 7 | Newrez LLC Fort Washington, PA | 269 | 2.3% |
| 8 | Union Home Mortgage Corp. Strongsville, OH | 254 | 2.2% |
| 9 | USAA Federal Savings Bank San Antonio, TX | 202 | 1.8% |
| 10 | Village Capital & Investment Henderson, NV | 173 | 1.5% |
Top USDA Lenders in Michigan
84 lenders made 717 USDA loans worth $133.7 million in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | Union Home Mortgage Corp. Strongsville, OH | 90 | 12.6% |
| 2 | Mortgage300 Corporation Stuart, FL | 45 | 6.3% |
| 3 | United Wholesale Mortgage Plymouth, MI | 41 | 5.7% |
| 4 | CMG Mortgage Inc San Ramon, IL | 39 | 5.4% |
| 5 | Legacy Mortgage Grand Blanc, MI | 32 | 4.5% |
| 6 | Gold Star Mortgage Financial Group, Corporation Ann Arbor, MI | 32 | 4.5% |
| 7 | Gvc Mortgage, Inc. Suite 200, IN | 30 | 4.2% |
| 8 | Mortgage 1 Incorporated Sterling Heights, MI | 23 | 3.2% |
| 9 | Blg Holdings, LLC Flint, MI | 17 | 2.4% |
| 10 | Consumer Real Estate Finance Co dba Society Mortgage Fort Lauderdale, FL | 15 | 2.1% |
Get the lender lists
The Michigan mortgage lender list has the 557 lenders based in Michigan, with addresses, phone numbers and their applications and dollar volume every year since 2003 ($149 for 2025, $298 for 2003–2025). The U.S. lender list has all 17,667 lenders, including the national lenders ranked above.
Michigan lender list U.S. lender listHow this ranking works
- Source: the loan records lenders filed for 2025 under the Home Mortgage Disclosure Act, published by the FFIEC and the CFPB in 2026, totaled by lender for homes in Michigan.
- Lenders are ranked by loans made, the number of loans they originated; loan volume is those loans' total amount. Loans bought from other lenders are not counted.
- Market share is the lender's share of all such loans made in Michigan. Denial rate is applications denied, divided by applications approved or denied.
- Lenders are listed under the name and city on their HMDA filing. Lenders that have asked not to appear on AllMortgageDetail are left out.
More on Michigan
Michigan mortgage data by county and metro area · mortgage lenders by city in Michigan
Nationwide rankings: All loans · Purchase · Refinance · Cash-out refi · FHA · VA · USDA
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