Mortgage lenders in Oakland County
31,664 mortgages were made in Oakland County, Michigan, in 2025, by 548 lenders. The median rate their borrowers got was 6.750% on a median loan of $235,000. Of 41,932 decisions, 8,459 were denials — 20.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 4,594 | 6.560% | $305,000 | 10.6% |
| Rocket Mortgage, LLC | 3,915 | 6.750% | $225,000 | 13.1% |
| Genisys Credit Union | 1,324 | 7.250% | $105,000 | 21.5% |
| The Huntington National Bank | 1,096 | 7.375% | $205,000 | 34.2% |
| LAKE MICHIGAN CREDIT UNION | 1,031 | 6.490% | $335,000 | 5.7% |
| Citizens Bank, National Association | 980 | 7.400% | $205,000 | 30.4% |
| MICHIGAN SCHOOLS AND GOVERNMENT | 776 | 6.750% | $175,000 | 11.2% |
| JPMorgan Chase Bank, National Association | 698 | 6.500% | $265,000 | 12.0% |
| First Merchants Bank | 652 | 6.250% | $315,000 | 10.5% |
| STAUNTON FINANCIAL, INC. | 632 | 6.500% | $335,000 | 4.7% |
| DFCU FINANCIAL | 568 | 6.125% | $145,000 | 11.6% |
| Bank of America, National Association | 536 | 5.990% | $165,000 | 33.0% |
| Flagstar Bank, N.A. | 495 | 6.625% | $255,000 | 21.7% |
| CREDIT UNION ONE | 478 | 7.990% | $105,000 | 27.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 438 | 6.875% | $285,000 | 4.9% |
| PNC Bank, National Association | 437 | 7.610% | $105,000 | 29.1% |
| Fifth Third Bank, National Association | 426 | 7.500% | $125,000 | 31.1% |
| UNION HOME MORTGAGE CORP. | 406 | 6.625% | $285,000 | 3.0% |
| MORTGAGE CENTER L.C | 398 | 6.250% | $315,000 | 5.0% |
| THE LOAN STORE, INC. | 361 | 6.990% | $265,000 | 9.9% |
| MORTGAGE 1 INCORPORATED | 356 | 6.625% | $285,000 | 1.8% |
| Comerica Bank | 351 | 5.990% | $165,000 | 45.6% |
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 340 | 7.500% | $145,000 | 19.2% |
| VIBE CREDIT UNION | 318 | 6.500% | $85,000 | 8.0% |
| GUARANTEED RATE, INC. | 286 | 6.600% | $285,000 | 4.6% |
| MICHIGAN FIRST CREDIT UNION | 277 | 7.125% | $185,000 | 35.3% |
| NATIONSTAR MORTGAGE LLC | 277 | 8.250% | $95,000 | 17.0% |
| NEWREZ LLC | 252 | 6.875% | $195,000 | 30.3% |
| 21st Mortgage Corporation | 247 | 11.220% | $55,000 | 67.7% |
| Superior National Bank | 244 | 6.624% | $325,000 | 1.2% |
| PULTE MORTGAGE LLC | 217 | 6.500% | $425,000 | 6.9% |
| ROSS MORTGAGE CORPORATION | 201 | 6.625% | $305,000 | 1.4% |
| Independent Bank | 198 | 6.750% | $275,000 | 13.9% |
| Loandepot.Com, LLC | 196 | 6.990% | $135,000 | 27.9% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 187 | 6.750% | $265,000 | 2.4% |
| First State Bank | 180 | 6.490% | $255,000 | 5.2% |
| COMMUNITY FINANCIAL CREDIT UNION | 173 | 7.250% | $105,000 | 19.6% |
| COMMUNITY CHOICE | 161 | 7.500% | $65,000 | 28.4% |
| PENNYMAC LOAN SERVICES, LLC | 149 | 6.499% | $305,000 | 16.8% |
| FIGURE LENDING LLC | 140 | 9.300% | $60,000 | 27.9% |
| FREEDOM MORTGAGE CORPORATION | 131 | 6.125% | $295,000 | 14.9% |
| Mortgage Research Center, LLC | 129 | 6.250% | $325,000 | 33.5% |
| Navy Federal Credit Union | 127 | 7.750% | $125,000 | 32.3% |
| Coastal Community Bank | 126 | 10.115% | $55,000 | 1.6% |
| SPRING EQ, LLC | 125 | 9.225% | $75,000 | 64.8% |
| The Dart Bank | 124 | 6.750% | $355,000 | 3.9% |
| ZILLOW HOME LOANS, LLC | 123 | 6.625% | $245,000 | 5.3% |
| Michigan United Credit Union | 121 | 5.240% | $65,000 | 12.0% |
| PRESTON HOME LOANS INC | 120 | 6.750% | $285,000 | 0.8% |
| LOC Credit Union | 118 | 4.990% | $80,000 | 34.8% |
| CMG MORTGAGE, INC. | 110 | 6.750% | $290,000 | 3.8% |
| PLAZA HOME MORTGAGE, INC. | 108 | 6.625% | $265,000 | 20.1% |
| Kiavi Funding, Inc. | 100 | 10.950% | $215,000 | 11.1% |
| MICHIGAN EDUCATIONAL | 99 | 6.750% | $65,000 | 6.6% |
| AmeriSave Mortgage Corporation | 94 | 8.625% | $75,000 | 64.7% |
| FIRST COMMUNITY MORTGAGE, INC. | 94 | 6.750% | $290,000 | 4.4% |
| MEMBER FIRST MORTGAGE, LLC | 92 | 6.000% | $390,000 | 4.9% |
| THE MORTGAGE LINK, INC. | 89 | 6.750% | $295,000 | 0.0% |
| U.S. Bank National Association | 85 | 6.875% | $275,000 | 32.0% |
| Broker Solutions, Inc. | 81 | 6.750% | $215,000 | 31.9% |
| SOFI BANK, NATIONAL ASSOCIATION | 79 | 7.990% | $115,000 | 20.6% |
| Zippy Loans, LLC | 75 | 9.400% | $35,000 | 40.5% |
| GREENSTATE Credit Union | 75 | 8.090% | $45,000 | 46.7% |
| TRIAD FINANCIAL SERVICES, INC. | 73 | 8.530% | $55,000 | 61.4% |
| EVERETT FINANCIAL, INC. | 73 | 6.625% | $285,000 | 10.2% |
| UNIVERSITY OF MICHIGAN CREDIT UNION | 71 | 7.250% | $155,000 | 5.7% |
| MICHIGAN MUTUAL, INC. | 70 | 6.990% | $260,000 | 6.9% |
| Dort Financial Credit Union | 69 | 6.000% | $155,000 | 12.7% |
| Lendage, LLC | 69 | 11.250% | $55,000 | 11.4% |
| BETTER MORTGAGE CORPORATION | 66 | 7.500% | $185,000 | 46.4% |
| Third Federal Savings and Loan Association of Cleveland | 65 | 6.990% | $105,000 | 34.6% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 64 | 6.375% | $350,000 | 15.2% |
| KIND LENDING, LLC | 61 | 7.000% | $335,000 | 28.7% |
| Morgan Stanley Private Bank, National Association | 58 | 6.138% | $525,000 | 3.1% |
| CONSUMERS CREDIT UNION | 57 | 5.990% | $255,000 | 3.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 55 | 6.250% | $275,000 | 24.1% |
| SUCCESS MORTGAGE PARTNERS, INC. | 54 | 6.625% | $275,000 | 0.0% |
| MOVEMENT MORTGAGE, LLC | 52 | 6.625% | $325,000 | 10.9% |
| Plains Commerce Bank | 50 | 6.500% | $345,000 | 5.7% |
| LAKEVIEW LOAN SERVICING, LLC | 49 | 6.500% | $205,000 | 66.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 48 | 10.295% | $90,000 | 16.4% |
| Cornerstone First Mortgage, Inc | 47 | 6.625% | $255,000 | 2.1% |
| CARRINGTON MORTGAGE SERVICES, LLC | 44 | 7.187% | $170,000 | 49.6% |
| ChoiceOne Bank | 44 | 6.625% | $175,000 | 21.1% |
| Zeal Credit Union | 44 | Not published | $75,000 | 13.7% |
| Equity Prime Mortgage LLC | 41 | 6.750% | $275,000 | 19.6% |
| Valon Mortgage, Inc. | 41 | 8.650% | $55,000 | 20.3% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 41 | 8.100% | $145,000 | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 40 | 6.120% | $355,000 | 6.4% |
| First Independence Bank | 38 | Not published | $430,000 | 0.0% |
| Luminate Bank | 38 | 7.058% | $270,000 | 0.0% |
| A&D Mortgage LLC | 36 | 6.490% | $305,000 | 9.8% |
| CORNERSTONE COMMUNITY FINANCIAL CREDIT UNION | 35 | 5.750% | $85,000 | 37.9% |
| RESICENTRAL, LLC | 35 | 7.500% | $435,000 | 0.0% |
| Discover Bank | 34 | 8.770% | $80,000 | 79.5% |
| Commerce Home Mortgage, Inc. | 34 | 8.250% | $315,000 | 30.6% |
| OCMBC, INC. | 34 | 7.062% | $245,000 | 15.9% |
| Prosperity Home Mortgage, LLC | 34 | 6.500% | $285,000 | 15.0% |
| Wells Fargo Bank, National Association | 33 | 6.250% | $305,000 | 21.4% |
| Lake Trust Credit Union | 32 | 7.435% | $55,000 | 42.1% |
| AMERICAN FINANCIAL NETWORK, INC. | 32 | 6.688% | $240,000 | 8.6% |
| M/I FINANCIAL, LLC | 32 | 5.625% | $395,000 | 0.0% |
| Loan Funder LLC | 31 | 10.690% | $245,000 | 11.4% |
| AMERICAN FINANCIAL RESOURCES, INC. | 31 | 6.500% | $245,000 | 0.0% |
| TOWNE MORTGAGE COMPANY | 30 | 6.375% | $240,000 | 8.1% |
| NexBank | 30 | 6.750% | $300,000 | 8.8% |
| TOLL BROTHERS MORTGAGE COMPANY | 29 | 6.375% | $585,000 | 18.3% |
| Northpointe Bank | 29 | 6.625% | $295,000 | 9.4% |
| University Bank | 29 | 6.625% | $225,000 | 19.4% |
| GreenStone Farm Credit Services, FLCA | 29 | 6.700% | $475,000 | 3.1% |
| CHAMPIONS FUNDING, LLC | 28 | 8.125% | $240,000 | 30.0% |
| USAA Federal Savings Bank | 28 | 6.375% | $345,000 | 27.5% |
| J. VIRGIL, INC. | 28 | 6.750% | $245,000 | 3.5% |
| STOCKTON MORTGAGE CORPORATION | 27 | 6.750% | $265,000 | 0.0% |
| THE ANDERSON FINANCIAL GROUP, INC. | 27 | 6.750% | $335,000 | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | 26 | 6.875% | $245,000 | 6.7% |
| ALLIANCE CATHOLIC CREDIT UNION | 25 | 5.875% | $295,000 | 10.3% |
| BLG HOLDINGS, INC. | 25 | 6.750% | $295,000 | 3.9% |
| VILLAGE CAPITAL & INVESTMENT LLC | 24 | 5.990% | $300,000 | 41.3% |
| PHH Mortgage Corporation | 24 | 6.558% | $255,000 | 10.7% |
| GUIDANCE RESIDENTIAL, LLC | 24 | 6.688% | $365,000 | 0.0% |
| ALLIANT CREDIT UNION | 24 | 7.875% | $115,000 | 36.8% |
| Old National Bank | 24 | 6.240% | $330,000 | 13.8% |
| Tomo Mortgage, LLC | 23 | 6.500% | $295,000 | 16.7% |
| NBKC BANK | 23 | 6.125% | $335,000 | 4.0% |
| Michigan Legacy Credit Union | 23 | 6.500% | $165,000 | 14.3% |
| UBS Bank USA | 23 | 6.000% | $505,000 | 8.0% |
| UIF CORPORATION | 22 | 6.995% | $305,000 | 4.4% |
| DEEPHAVEN MORTGAGE LLC | 22 | 7.688% | $220,000 | 31.3% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 22 | 6.688% | $300,000 | 0.0% |
| Christian Financial Credit Union | 22 | 6.375% | $60,000 | 15.4% |
| GUARANTEED RATE AFFINITY, LLC | 22 | 6.425% | $365,000 | 4.4% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 22 | 6.375% | $430,000 | 0.0% |
| LOWER, LLC | 21 | 6.875% | $235,000 | 21.4% |
| AMERIHOME MORTGAGE COMPANY, LLC | 21 | 6.625% | $305,000 | 12.5% |
| GoodLeap, LLC | 21 | 7.100% | $65,000 | 27.3% |
| FINANCIAL PLUS CREDIT UNION | 21 | 7.240% | $75,000 | 8.7% |
| BPL MORTGAGE TRUST, LLC | 21 | 7.375% | $105,000 | 12.0% |
| DIVERSIFIED MEMBERS | 20 | 7.000% | $55,000 | 39.4% |
| MORTGAGE ACCESS CORP. | 20 | 6.433% | $390,000 | 0.0% |
| PLANET HOME LENDING, LLC | 20 | 5.870% | $315,000 | 28.6% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 20 | 6.750% | $365,000 | 0.0% |
| ELGA CREDIT UNION | 20 | 7.740% | $100,000 | 16.7% |
| NEW DAY FINANCIAL, LLC | 19 | 6.750% | $325,000 | 53.3% |
| Public Service Credit Union | 19 | 7.000% | $125,000 | 47.2% |
| HOMEXPRESS MORTGAGE CORP. | 19 | 7.625% | $345,000 | 36.7% |
| FINANCE OF AMERICA REVERSE LLC | 19 | 6.375% | $145,000 | 17.4% |
| Polish-American Federal Credit Union | 19 | 6.000% | $185,000 | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 18 | 7.125% | $175,000 | 34.5% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 18 | 6.558% | $355,000 | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 17 | 6.750% | $265,000 | 17.7% |
| NEXERA HOLDING LLC | 17 | 7.625% | $195,000 | 5.6% |
| LONGBRIDGE FINANCIAL, LLC | 17 | 6.375% | $225,000 | 16.7% |
| Dearborn Federal Savings Bank | 17 | 6.375% | $325,000 | 19.1% |
| V.I.P. MORTGAGE, INC. | 17 | 6.500% | $305,000 | 0.0% |
| Stifel Bank and Trust | 17 | 5.875% | $525,000 | 0.0% |
| ADVIA Federal Credit Union | 16 | 7.375% | $140,000 | 26.1% |
| Bank of Ann Arbor | 16 | Not published | $350,000 | 10.5% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 16 | 9.928% | $165,000 | 0.0% |
| Horizon Bank | 15 | 6.990% | $435,000 | 33.3% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 15 | 6.624% | $265,000 | 0.0% |
| Citibank, National Association | 14 | 6.125% | $1,015,000 | 12.5% |
| Filo Mortgage, L.L.C. | 14 | 6.688% | $340,000 | 0.0% |
| KeyBank National Association | 14 | 6.875% | $265,000 | 39.1% |
| CHURCHILL MORTGAGE CORPORATION | 14 | 6.375% | $325,000 | 0.0% |
| Charles Schwab Bank, SSB | 14 | 5.938% | $680,000 | 12.5% |
| Sunflower Bank, National Association | 14 | 6.750% | $325,000 | 0.0% |
| The Farmers & Merchants State Bank | 13 | 7.500% | $990,000 | 50.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 13 | 3.875% | $185,000 | 31.6% |
| 254900CTT87ZKAUTIJ37 | 13 | 7.500% | $185,000 | 18.8% |
| Raymond James Bank | 13 | 5.375% | $755,000 | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 13 | 6.625% | $245,000 | 7.1% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 12 | 6.875% | $225,000 | 16.7% |
| GUILD MORTGAGE COMPANY | 12 | 6.500% | $250,000 | 18.8% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 12 | 7.870% | $245,000 | 14.3% |
| 254900M2C4Q6DATP2889 | 11 | 5.990% | $225,000 | 35.3% |
| First Federal Bank | 11 | 6.375% | $305,000 | 26.7% |
| TOP FLITE FINANCIAL, INC. | 11 | 6.875% | $215,000 | 0.0% |
| Barrington Bank & Trust Company, National Association | 11 | 6.875% | $295,000 | 8.3% |
| The Federal Savings Bank | 10 | 6.563% | $325,000 | 8.3% |
| AMERICAN HERITAGE LENDING, LLC | 10 | 7.375% | $170,000 | 10.5% |
| Bethpage Federal Credit Union | 10 | 6.490% | $180,000 | 47.4% |
| DIGITAL | 10 | 7.995% | $160,000 | 21.4% |
| Citadel Servicing Corporation | 10 | 8.875% | $470,000 | 7.7% |
| First National Bank of America | 10 | 8.625% | $195,000 | 16.7% |
| RBC Bank, (Georgia) National Association | 10 | 6.063% | $400,000 | 0.0% |
| TRUE COMMUNITY Credit Union | 10 | Not published | $105,000 | 8.3% |
| St James Mortgage Corporation | 10 | 6.375% | $380,000 | 0.0% |
| DAS Acquisition Company, LLC | 10 | 6.813% | $455,000 | 0.0% |
| LoanUnited.com, LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Fairway Independent Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Mortgage Right | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Wildfire Credit Union | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 8 | Under 10 loans | Under 10 loans | 16.7% |
| AMWEST FUNDING CORP. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Wings Financial Credit Union | 8 | Under 10 loans | Under 10 loans | 15.4% |
| Mercantile Bank | 8 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| EASTRISE FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| ROYAL UNITED MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 348 lenders each made 8 or fewer mortgages here, and are counted in the totals above.
Bank branches in Oakland County
264 FDIC-insured branches from 29 banks, as of 30 June 2026, with the deposits held at them.
Closed since the 2025 survey
48 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Bank of America, National Association, 6120 W Maple Rd, West Bloomfield
- ChoiceOne Bank, 31000 Northwestern Hwy, Ste 150, Farmington Hills
- Citizens Bank, National Association, 23067 Coolidge Hwy, Oak Park
- Citizens Bank, National Association, 2905 Union Lake Rd, Commerce Township
- Comerica Bank, 10951 Highland Rd, White Lake
- Comerica Bank, 1237 S Lapeer Rd, Lake Orion
- Comerica Bank, 1494 John R Rd, Troy
- Comerica Bank, 1495 Crooks Rd, Troy
- Comerica Bank, 188 North Woodward Avenue, Birmingham
- Comerica Bank, 2340 Orchard Lake Rd, Sylvan Lake
- Comerica Bank, 24028 Woodward Ave, Pleasant Ridge
- Comerica Bank, 24770 Telegraph Rd, Southfield
- Comerica Bank, 25192 Greenfield Rd, Oak Park
- Comerica Bank, 25950 Pontiac Trl, South Lyon
- Comerica Bank, 260 Brown Rd, Auburn Hills
- Comerica Bank, 2730 W. Maple, Commerce Township
- Comerica Bank, 29252 Southfield Rd, Southfield
- Comerica Bank, 29333 Northwestern Hwy, Southfield
- Comerica Bank, 3000 Union Lake Rd, Commerce Township
- Comerica Bank, 3012 Walton Blvd, Rochester Hills
- Comerica Bank, 30244 Milford Rd, New Hudson
- Comerica Bank, 31500 W 12 Mile Rd, Farmington Hills
- Comerica Bank, 323 S Main St, Royal Oak
- Comerica Bank, 33101 Woodward Ave, Birmingham
- Comerica Bank, 33140 W 14 Mile Rd, West Bloomfield
- Comerica Bank, 33452 W 8 Mile Rd, Farmington Hills
- Comerica Bank, 36440 Woodward Ave, Bloomfield
- Comerica Bank, 36455 Corporate Dr, Farmington Hills
- Comerica Bank, 37550 W 12 Mile Rd, Farmington Hills
- Comerica Bank, 3910 Telegraph Rd, Ste 100, Bloomfield Hills
- Comerica Bank, 39475 W 10 Mile Rd, Novi
- Comerica Bank, 39950 W 14 Mile Rd, Walled Lake
- Comerica Bank, 4035 Rochester Rd, Troy
- Comerica Bank, 4057 W Maple Rd, Bloomfield Hills
- Comerica Bank, 43332 Woodward Ave, Bloomfield Hills
- Comerica Bank, 4430 Orchard Lake Rd, West Bloomfield
- Comerica Bank, 47060 W Pontiac Trl, Walled Lake
- Comerica Bank, 47440 Grand River Ave, Novi
- Comerica Bank, 4980 N Adams Rd, Rochester Hills
- Comerica Bank, 4999 Crooks Rd, Troy
- Comerica Bank, 5680 West Maple Road, West Bloomfield Township
- Comerica Bank, 7070 Highland Rd, Waterford
- Comerica Bank, 7505 Dixie Hwy, Clarkston
- Comerica Bank, 7789 Sashabaw Rd, Clarkston
- Comerica Bank, 923 S Rochester Rd, Rochester Hills
- First Merchants Bank, 32991 Hamilton Ct, Farmington Hills
- JPMorgan Chase Bank, National Association, 2181 N Pontiac Trl, Walled Lake
- PNC Bank, National Association, 202 S Lafayette Ave, Royal Oak
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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.