Mortgage lenders in Clinton County
1,898 mortgages were made in Clinton County, Michigan, in 2025, by 229 lenders. The median rate their borrowers got was 6.875% on a median loan of $195,000. Of 2,445 decisions, 452 were denials — 18.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 237 | 7.500% | $115,000 | 16.9% |
| The Dart Bank | 217 | 6.750% | $285,000 | 9.1% |
| Rocket Mortgage, LLC | 166 | 6.625% | $185,000 | 16.0% |
| UNION HOME MORTGAGE CORP. | 120 | 6.875% | $245,000 | 2.4% |
| Fifth Third Bank, National Association | 104 | 7.870% | $105,000 | 26.7% |
| The Huntington National Bank | 98 | 7.440% | $135,000 | 18.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 80 | 6.125% | $270,000 | 14.4% |
| Flagstar Bank, N.A. | 36 | 6.382% | $255,000 | 36.2% |
| MORTGAGE CENTER L.C | 33 | 6.375% | $225,000 | 5.7% |
| LAKE MICHIGAN CREDIT UNION | 29 | 6.625% | $225,000 | 3.2% |
| GreenStone Farm Credit Services, FLCA | 29 | 6.650% | $235,000 | 0.0% |
| PNC Bank, National Association | 28 | 7.610% | $105,000 | 17.1% |
| LAFCU Credit Union | 27 | 5.625% | $95,000 | 15.6% |
| 21st Mortgage Corporation | 24 | 11.485% | $55,000 | 57.1% |
| MORTGAGE 1 INCORPORATED | 23 | 6.500% | $295,000 | 0.0% |
| PFCU | 23 | 6.500% | $155,000 | 0.0% |
| VAN DYK MORTGAGE CORPORATION | 20 | 6.563% | $285,000 | 4.8% |
| Lake Trust Credit Union | 19 | 7.500% | $65,000 | 44.1% |
| Northpointe Bank | 19 | 6.625% | $295,000 | 9.5% |
| PENNYMAC LOAN SERVICES, LLC | 19 | 6.250% | $215,000 | 5.0% |
| Mercantile Bank | 19 | 6.800% | $145,000 | 17.4% |
| Mortgage Research Center, LLC | 18 | 6.250% | $285,000 | 21.7% |
| NATIONSTAR MORTGAGE LLC | 18 | 7.188% | $110,000 | 25.9% |
| CONSUMERS CREDIT UNION | 16 | 5.990% | $110,000 | 5.9% |
| NEWREZ LLC | 15 | 6.500% | $235,000 | 20.0% |
| CASE Credit Union | 15 | 7.750% | $115,000 | 11.8% |
| Adventure Credit Union | 15 | 6.740% | $65,000 | 11.8% |
| EVERETT FINANCIAL, INC. | 15 | 6.750% | $235,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 13 | 6.125% | $235,000 | 0.0% |
| Independent Bank | 13 | 7.000% | $185,000 | 27.8% |
| Navy Federal Credit Union | 12 | 6.250% | $325,000 | 20.0% |
| DFCU FINANCIAL | 12 | 6.125% | $95,000 | 13.3% |
| Loandepot.Com, LLC | 11 | 8.125% | $105,000 | 31.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 11 | 6.625% | $235,000 | 0.0% |
| Citizens Bank, National Association | 10 | 7.650% | $105,000 | 28.6% |
| SUCCESS MORTGAGE PARTNERS, INC. | 10 | 6.625% | $255,000 | 0.0% |
| CREDIT UNION ONE | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Eaton Community Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Union Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 63.9% |
| FIGURE LENDING LLC | 7 | Under 10 loans | Under 10 loans | 35.7% |
| Coastal Community Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 35.7% |
| Broker Solutions, Inc. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| AmeriSave Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 53.8% |
| JPMorgan Chase Bank, National Association | 6 | Under 10 loans | Under 10 loans | 33.3% |
| GUILD MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| J. VIRGIL, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 5 | Under 10 loans | Under 10 loans | 66.7% |
| GUARANTEED RATE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| ZILLOW HOME LOANS, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| U.S. Bank National Association | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Horizon Bank | 4 | Under 10 loans | Under 10 loans | 44.4% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 20.0% |
| THE LOAN STORE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Frankenmuth Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| EMM LOANS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BLG HOLDINGS, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| MMS MORTGAGE SERVICES, LTD. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PRESTON HOME LOANS INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Dort Financial Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MICHIGAN SCHOOLS AND GOVERNMENT | 3 | Under 10 loans | Under 10 loans | 25.0% |
| DAS Acquisition Company, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWOOD CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| STAUNTON FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 80.0% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| DIGITAL | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Comerica Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Merchants Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN FIRST CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Sierra Pacific Mortgage Company, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCIAL PLUS CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE LINK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ELGA CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ADVIA Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| County National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 60.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GREENSTATE Credit Union | 1 | Under 10 loans | Under 10 loans | 62.5% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 60.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRUE COMMUNITY Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Bell Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Evergreen Bank Group | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT 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% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CLEARPATH LENDING | 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% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Bay Community Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Superior National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Independence Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Bank of Michigan | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KELLOGG COMMUNITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wildfire Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Honor Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Lake Huron Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OceanFirst Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GreenStone Farm Credit Services, ACA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY FINANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PROFED CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANCE CATHOLIC CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Michigan Legacy Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Macatawa Bank, N. A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Washington Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCAP LENDING INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE ANDERSON FINANCIAL GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Isabella Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Kemba Financial Credit Union Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old Second National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 0 | Under 10 loans | Under 10 loans | 80.0% |
| Zippy Loans, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Equity Prime Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| HFG HOLDINGS, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| 254900O723MCLR701H50 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Bank Five Nine | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Citadel Servicing Corporation | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Neighborhood Mortgage Solutions | 0 | Under 10 loans | Under 10 loans | Not published |
| Day Air Credit Union, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| USALLIANCE FEDERAL CREDIT UNION | 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 29 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Bank branches in Clinton County
7 FDIC-insured branches from 5 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| The Huntington National Bank | 2 | $206.6 million |
| Fifth Third Bank, National Association | 2 | $188.4 million |
| Mercantile Bank | 1 | $103.0 million |
| Union Bank | 1 | $64.4 million |
| PNC Bank, National Association | 1 | $52.9 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.