Mortgage lenders in Grand Traverse County
2,514 mortgages were made in Grand Traverse County, Michigan, in 2025, by 258 lenders. The median rate their borrowers got was 6.925% on a median loan of $235,000. Of 3,324 decisions, 668 were denials — 20.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 306 | 6.625% | $325,000 | 7.8% |
| LAKE MICHIGAN CREDIT UNION | 242 | 6.875% | $215,000 | 7.4% |
| The Huntington National Bank | 240 | 7.440% | $155,000 | 25.5% |
| Rocket Mortgage, LLC | 153 | 6.750% | $215,000 | 20.0% |
| Fifth Third Bank, National Association | 139 | 7.500% | $105,000 | 23.8% |
| 4Front Credit Union | 113 | 7.500% | $105,000 | 13.0% |
| Independent Bank | 103 | 7.000% | $225,000 | 12.6% |
| CREDIT UNION ONE | 101 | 7.125% | $145,000 | 16.4% |
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 64 | 7.500% | $145,000 | 19.6% |
| JPMorgan Chase Bank, National Association | 44 | 6.500% | $295,000 | 8.2% |
| CALCON MUTUAL MORTGAGE LLC | 39 | 6.490% | $285,000 | 4.9% |
| 254900UYC52VIJUZ5X82 | 38 | Not published | $410,000 | 5.0% |
| Genisys Credit Union | 37 | 6.250% | $475,000 | 5.1% |
| Mercantile Bank | 36 | 6.750% | $365,000 | 10.0% |
| TRIAD FINANCIAL SERVICES, INC. | 34 | 7.900% | $45,000 | 58.9% |
| Honor Bank | 29 | Not published | $255,000 | 6.5% |
| NEWREZ LLC | 28 | 6.990% | $235,000 | 22.2% |
| GUARANTEED RATE, INC. | 28 | 6.638% | $345,000 | 6.5% |
| 21st Mortgage Corporation | 24 | 12.150% | $50,000 | 59.0% |
| State Savings Bank | 24 | Not published | $290,000 | 10.7% |
| Zippy Loans, LLC | 23 | 9.500% | $45,000 | 30.3% |
| FIGURE LENDING LLC | 22 | 8.950% | $60,000 | 23.3% |
| PNC Bank, National Association | 22 | 7.340% | $145,000 | 26.7% |
| Loandepot.Com, LLC | 21 | 6.990% | $195,000 | 22.2% |
| UNION HOME MORTGAGE CORP. | 20 | 6.563% | $325,000 | 12.0% |
| Mortgage Research Center, LLC | 19 | 6.125% | $365,000 | 20.8% |
| Nicolet National Bank | 19 | 7.350% | $245,000 | 4.8% |
| GreenStone Farm Credit Services, FLCA | 17 | 6.750% | $455,000 | 9.5% |
| NATIONSTAR MORTGAGE LLC | 14 | 8.563% | $105,000 | 17.7% |
| STAUNTON FINANCIAL, INC. | 14 | 6.490% | $335,000 | 12.5% |
| The Dart Bank | 13 | 7.125% | $255,000 | 13.3% |
| FREEDOM MORTGAGE CORPORATION | 12 | 5.750% | $375,000 | 17.7% |
| GUILD MORTGAGE COMPANY | 12 | 6.688% | $345,000 | 0.0% |
| Bank of America, National Association | 11 | 5.990% | $305,000 | 26.7% |
| PENNYMAC LOAN SERVICES, LLC | 11 | 6.124% | $315,000 | 25.0% |
| Citizens Bank, National Association | 10 | 7.275% | $170,000 | 28.6% |
| MICHIGAN SCHOOLS AND GOVERNMENT | 10 | 7.375% | $120,000 | 9.1% |
| CONSUMERS CREDIT UNION | 10 | 6.250% | $360,000 | 0.0% |
| Coastal Community Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 30.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 9.1% |
| THE LOAN STORE, INC. | 8 | Under 10 loans | Under 10 loans | 10.0% |
| Flagstar Bank, N.A. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 8 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| CARRINGTON MORTGAGE SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 35.7% |
| AmeriSave Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 46.2% |
| Morgan Stanley Private Bank, National Association | 7 | Under 10 loans | Under 10 loans | 22.2% |
| SPRING EQ, LLC | 6 | Under 10 loans | Under 10 loans | 68.4% |
| MOVEMENT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 30.0% |
| J. VIRGIL, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Frankenmuth Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GREENSTATE Credit Union | 6 | Under 10 loans | Under 10 loans | 12.5% |
| SOFI BANK, NATIONAL ASSOCIATION | 5 | Under 10 loans | Under 10 loans | 37.5% |
| LAKEVIEW LOAN SERVICING, LLC | 5 | Under 10 loans | Under 10 loans | 70.6% |
| MORTGAGE 1 INCORPORATED | 5 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Valon Mortgage, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Superior National Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 4 | Under 10 loans | Under 10 loans | 50.0% |
| KIND LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 66.7% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 20.0% |
| COMMUNITY FINANCIAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Barrington Bank & Trust Company, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSITY OF MICHIGAN CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Merchants Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Bethpage Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 40.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Old National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DOW CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Raymond James Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Dort Financial Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHERN MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR FINANCIAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DFCU FINANCIAL | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 57.1% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 71.4% |
| Third Federal Savings and Loan Association of Cleveland | 2 | Under 10 loans | Under 10 loans | 60.0% |
| CHARTWELL FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ZILLOW HOME LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LONGBRIDGE FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Lendage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Community Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Horizon Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| KELLOGG COMMUNITY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wildfire 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% |
| OceanFirst Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TEAM ONE CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CASE Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| County National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MMS MORTGAGE SERVICES, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 1st Source Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 87.5% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 90.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Isabella Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COAST ONE MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Comerica Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Honor Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MICHIGAN FIRST CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Blaze Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ADVIA Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRESTON HOME LOANS INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST STATE FINANCIAL, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Dearborn Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENCORE BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Evergreen Bank Group | 1 | Under 10 loans | Under 10 loans | 0.0% |
| German American Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank Texas | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GVC MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The National Bank of Indianapolis | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Union Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLIFFCO, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWOOD CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN ONE COMMUNITY Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ONY GLO, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BLG HOLDINGS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| IncredibleBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ChoiceOne Bank | 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 58 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Grand Traverse County
28 FDIC-insured branches from 13 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| The Huntington National Bank | 7 | $1.5 billion |
| Fifth Third Bank, National Association | 3 | $594.0 million |
| JPMorgan Chase Bank, National Association | 3 | $533.9 million |
| Independent Bank | 3 | $392.7 million |
| Honor Bank | 2 | $124.2 million |
| State Savings Bank | 2 | $95.4 million |
| Nicolet National Bank | 2 | $58.1 million |
| First National Bank of America | 1 | $220.3 million |
| PNC Bank, National Association | 1 | $117.3 million |
| West Shore Bank | 1 | $82.1 million |
| First Community Bank | 1 | $62.9 million |
| Mercantile Bank | 1 | $17.7 million |
| First State Bank of Michigan | 1 | $496,000 |
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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.