Mortgage lenders in Bay County
2,131 mortgages were made in Bay County, Michigan, in 2025, by 220 lenders. The median rate their borrowers got was 6.750% on a median loan of $125,000. Of 2,780 decisions, 544 were denials — 19.6%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 180 | 6.750% | $135,000 | 22.8% |
| STAUNTON FINANCIAL, INC. | 150 | 6.625% | $135,000 | 3.2% |
| The Huntington National Bank | 144 | 7.590% | $85,000 | 29.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 125 | 6.399% | $165,000 | 17.4% |
| United Bay Community Credit Union | 122 | 7.000% | $65,000 | 8.2% |
| Wildfire Credit Union | 84 | Not published | $125,000 | 6.6% |
| Frankenmuth Credit Union | 83 | 7.250% | $125,000 | 3.5% |
| Independent Bank | 75 | 6.750% | $105,000 | 25.0% |
| FINANCIAL PLUS CREDIT UNION | 67 | 6.990% | $55,000 | 16.3% |
| DAS Acquisition Company, LLC | 59 | 6.625% | $135,000 | 0.0% |
| FinancialEdge Community Credit Union | 50 | 6.875% | $70,000 | 0.0% |
| Mortgage Research Center, LLC | 42 | 6.563% | $175,000 | 26.3% |
| DOW CREDIT UNION | 40 | 6.625% | $155,000 | 14.3% |
| JOLT CREDIT UNION | 40 | 5.990% | $125,000 | 8.9% |
| 1ST STATE FINANCIAL, LTD. | 36 | Not published | $175,000 | 5.3% |
| SUNRISE FAMILY CREDIT UNION | 36 | 5.875% | $70,000 | 5.3% |
| GUARANTEED RATE, INC. | 35 | 6.625% | $145,000 | 5.3% |
| Great Lakes Federal Credit Union | 35 | 6.250% | $65,000 | 0.0% |
| PNC Bank, National Association | 26 | 7.610% | $75,000 | 46.9% |
| TOP FLITE FINANCIAL, INC. | 24 | 6.750% | $145,000 | 4.0% |
| UNITED FINANCIAL Credit Union | 23 | 6.750% | $145,000 | 8.0% |
| Isabella Bank | 21 | 6.000% | $165,000 | 12.5% |
| LAKE MICHIGAN CREDIT UNION | 20 | 6.438% | $185,000 | 9.1% |
| BLG HOLDINGS, INC. | 20 | 6.625% | $155,000 | 0.0% |
| Fifth Third Bank, National Association | 19 | 8.500% | $95,000 | 39.4% |
| Loandepot.Com, LLC | 19 | 8.250% | $85,000 | 37.5% |
| PRESTON HOME LOANS INC | 18 | 6.990% | $150,000 | 0.0% |
| CREDIT UNION ONE | 17 | 7.990% | $55,000 | 15.0% |
| NATIONSTAR MORTGAGE LLC | 17 | 6.990% | $95,000 | 10.5% |
| FIRST COMMUNITY MORTGAGE, INC. | 17 | 6.625% | $205,000 | 0.0% |
| Mercantile Bank | 16 | 6.500% | $135,000 | 5.9% |
| NEWREZ LLC | 15 | 6.750% | $155,000 | 31.8% |
| PENNYMAC LOAN SERVICES, LLC | 15 | 6.000% | $155,000 | 31.8% |
| JPMorgan Chase Bank, National Association | 14 | 6.625% | $120,000 | 12.5% |
| FIGURE LENDING LLC | 13 | 8.100% | $45,000 | 30.4% |
| MEMBERS FIRST Credit Union | 13 | 6.875% | $145,000 | 18.8% |
| J. VIRGIL, INC. | 12 | 6.625% | $115,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 10 | 6.250% | $135,000 | 20.0% |
| GreenStone Farm Credit Services, FLCA | 10 | 7.075% | $165,000 | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| ELGA CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 38.5% |
| AmeriSave Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 71.0% |
| GREENSTATE Credit Union | 7 | Under 10 loans | Under 10 loans | 30.8% |
| UNION HOME MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| GUILD MORTGAGE COMPANY | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Fairway Independent Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 6 | Under 10 loans | Under 10 loans | 57.1% |
| Bank of America, National Association | 6 | Under 10 loans | Under 10 loans | 62.5% |
| BETTER MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 50.0% |
| LAKEVIEW LOAN SERVICING, LLC | 6 | Under 10 loans | Under 10 loans | 41.7% |
| Lake Huron Credit Union | 6 | Under 10 loans | Under 10 loans | 40.0% |
| The Dart Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| MORTGAGE 1 INCORPORATED | 6 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Equity Prime Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 25.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 44.4% |
| EVERETT FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 254900RNV63A0TIZNK90 | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST FUNDING, LP | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 81.0% |
| TAMMAC HOLDINGS CORPORATION | 4 | Under 10 loans | Under 10 loans | 69.2% |
| SPRING EQ, LLC | 4 | Under 10 loans | Under 10 loans | 55.6% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 28.6% |
| Dort Financial Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| MEMBER FIRST MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| THE LOAN STORE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 62.5% |
| Discover Bank | 3 | Under 10 loans | Under 10 loans | 76.5% |
| TEAM ONE CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Citizens Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Wells Fargo Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Horizon Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LAFCU Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Thumb Bank and Trust | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CLEARPATH LENDING | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HEALTH ADVANTAGE FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 57.9% |
| VILLAGE CAPITAL & INVESTMENT LLC | 2 | Under 10 loans | Under 10 loans | 11.1% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 50.0% |
| GoodLeap, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| 2549002HZ6B3ZIAO3Q76 | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROSS MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ChoiceOne Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900DIWCHEQWZ9GV45 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Adventure Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank Texas | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GVC MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN FIRST CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN SCHOOLS AND GOVERNMENT | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 55.6% |
| U.S. Bank National Association | 1 | Under 10 loans | Under 10 loans | 90.9% |
| Zippy Loans, LLC | 1 | Under 10 loans | Under 10 loans | 80.0% |
| SECURITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 33.3% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| VIBE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY FINANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CMG MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY CHOICE | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE CENTER L.C | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Union Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 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% |
| 254900UYC52VIJUZ5X82 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Assurance Financial Group, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSITY OF MICHIGAN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Servion, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR FINANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Five Star Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wings Financial Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMPASS MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOC Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 0 | Under 10 loans | Under 10 loans | 16.7% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 66.7% |
| HFG HOLDINGS, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 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 |
| ALLIANT CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Lendage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| SOUTH RIVER MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Click n' Close, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| GENWAY HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| MILEND, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Comerica Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NBKC BANK | 0 | Under 10 loans | Under 10 loans | Not published |
| Public Service Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| 4Front Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Paramount Residential Mortgage Group, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 0 | Under 10 loans | Under 10 loans | Not published |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 0 | Under 10 loans | Under 10 loans | Not published |
| WESTMARK Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| NEXERA HOLDING LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Commercial Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ALLIANCE CATHOLIC CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| NETWORK CAPITAL FUNDING CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| CONSUMERS CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| THE MORTGAGE LINK, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 20 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Bank branches in Bay County
19 FDIC-insured branches from 7 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| The Huntington National Bank | 7 | $477.7 million |
| Independent Bank | 5 | $404.4 million |
| PNC Bank, National Association | 2 | $201.0 million |
| 1st State Bank | 2 | $73.3 million |
| Thumb Bank and Trust | 1 | $83.8 million |
| Fifth Third Bank, National Association | 1 | $55.0 million |
| Isabella Bank | 1 | $0 |
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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.