Home purchase lenders in Wayne County
16,169 home purchase mortgages were made in Wayne County, Michigan, in 2025, by 409 lenders. The median rate their borrowers got was 6.625% on a median loan of $185,000. Of 20,862 decisions, 3,939 were denials — 18.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 3,366 | 6.750% | $195,000 | 11.8% |
| Rocket Mortgage, LLC | 1,916 | 6.625% | $205,000 | 13.3% |
| STAUNTON FINANCIAL, INC. | 465 | 6.625% | $205,000 | 4.7% |
| Flagstar Bank, N.A. | 440 | 6.625% | $165,000 | 25.2% |
| Kiavi Funding, Inc. | 382 | 10.950% | $135,000 | 11.6% |
| The Huntington National Bank | 347 | 6.625% | $185,000 | 18.2% |
| MORTGAGE 1 INCORPORATED | 340 | 6.625% | $185,000 | 3.5% |
| DFCU FINANCIAL | 332 | 6.250% | $215,000 | 0.9% |
| JPMorgan Chase Bank, National Association | 319 | 6.500% | $185,000 | 14.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 309 | 6.750% | $195,000 | 1.6% |
| THE MORTGAGE LINK, INC. | 307 | 6.625% | $175,000 | 1.2% |
| GUARANTEED RATE, INC. | 301 | 6.625% | $225,000 | 3.5% |
| LAKE MICHIGAN CREDIT UNION | 301 | 6.375% | $265,000 | 2.6% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 271 | 6.625% | $175,000 | 3.2% |
| UNION HOME MORTGAGE CORP. | 265 | 6.875% | $205,000 | 6.4% |
| First Merchants Bank | 252 | 6.250% | $155,000 | 6.6% |
| MICHIGAN FIRST CREDIT UNION | 219 | 6.625% | $175,000 | 20.3% |
| Mortgage Research Center, LLC | 213 | 6.500% | $215,000 | 16.0% |
| THE LOAN STORE, INC. | 213 | 6.875% | $205,000 | 6.1% |
| MORTGAGE CENTER L.C | 196 | 6.375% | $245,000 | 4.8% |
| Independent Bank | 183 | 6.625% | $225,000 | 6.2% |
| 21st Mortgage Corporation | 177 | 11.010% | $65,000 | 73.2% |
| Bank of America, National Association | 165 | 5.990% | $155,000 | 31.0% |
| BPL MORTGAGE TRUST, LLC | 146 | 7.625% | $75,000 | 14.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 140 | 6.875% | $255,000 | 2.6% |
| Citizens Bank, National Association | 135 | 6.625% | $195,000 | 24.3% |
| ROSS MORTGAGE CORPORATION | 135 | 6.625% | $185,000 | 3.6% |
| SUCCESS MORTGAGE PARTNERS, INC. | 132 | 6.625% | $165,000 | 1.5% |
| 254900CTT87ZKAUTIJ37 | 121 | 7.990% | $95,000 | 16.0% |
| TRIAD FINANCIAL SERVICES, INC. | 119 | 8.490% | $55,000 | 63.4% |
| ZILLOW HOME LOANS, LLC | 115 | 6.625% | $185,000 | 7.0% |
| CMG MORTGAGE, INC. | 113 | 6.625% | $145,000 | 5.1% |
| KIND LENDING, LLC | 104 | 7.000% | $145,000 | 35.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 95 | 6.750% | $175,000 | 15.3% |
| NEWREZ LLC | 94 | 6.990% | $205,000 | 16.8% |
| MICHIGAN SCHOOLS AND GOVERNMENT | 92 | 5.875% | $285,000 | 5.1% |
| RUOFF MORTGAGE COMPANY, INC. | 87 | 6.625% | $165,000 | 4.2% |
| PENNYMAC LOAN SERVICES, LLC | 85 | 6.750% | $245,000 | 19.4% |
| MICHIGAN MUTUAL, INC. | 84 | 7.313% | $160,000 | 14.2% |
| Broker Solutions, Inc. | 82 | 6.745% | $165,000 | 17.2% |
| Navy Federal Credit Union | 74 | 6.250% | $235,000 | 20.6% |
| Fifth Third Bank, National Association | 67 | 6.500% | $165,000 | 34.0% |
| MOVEMENT MORTGAGE, LLC | 67 | 6.625% | $185,000 | 14.6% |
| PLAZA HOME MORTGAGE, INC. | 63 | 6.875% | $205,000 | 31.2% |
| Loan Funder LLC | 62 | 10.990% | $105,000 | 42.6% |
| UIF CORPORATION | 61 | 6.875% | $195,000 | 11.6% |
| First State Bank | 60 | 6.625% | $230,000 | 4.8% |
| PNC Bank, National Association | 59 | 6.500% | $185,000 | 24.1% |
| Zippy Loans, LLC | 58 | 8.320% | $35,000 | 61.1% |
| COMMUNITY FINANCIAL CREDIT UNION | 56 | 6.560% | $185,000 | 5.0% |
| Superior National Bank | 55 | 6.625% | $185,000 | 8.3% |
| Equity Prime Mortgage LLC | 53 | 7.250% | $165,000 | 28.4% |
| EVERETT FINANCIAL, INC. | 53 | 6.875% | $185,000 | 17.3% |
| University Bank | 53 | 6.625% | $175,000 | 8.6% |
| Genisys Credit Union | 48 | 6.700% | $190,000 | 17.2% |
| GUIDANCE RESIDENTIAL, LLC | 48 | 6.875% | $230,000 | 0.0% |
| PULTE MORTGAGE LLC | 47 | 6.125% | $395,000 | 7.8% |
| The Dart Bank | 44 | 6.625% | $295,000 | 6.4% |
| FIRST COMMUNITY MORTGAGE, INC. | 43 | 6.625% | $205,000 | 2.1% |
| Loandepot.Com, LLC | 39 | 6.990% | $215,000 | 22.0% |
| OCMBC, INC. | 38 | 7.250% | $175,000 | 16.4% |
| MEMBER FIRST MORTGAGE, LLC | 35 | 6.500% | $185,000 | 27.8% |
| TOWNE MORTGAGE COMPANY | 35 | 6.990% | $175,000 | 7.0% |
| PRESTON HOME LOANS INC | 34 | 6.688% | $200,000 | 8.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 34 | 10.365% | $125,000 | 0.0% |
| AMWEST FUNDING CORP. | 33 | 7.625% | $165,000 | 2.9% |
| AMERICAN FINANCIAL RESOURCES, INC. | 32 | 6.870% | $225,000 | 0.0% |
| M/I FINANCIAL, LLC | 31 | 5.875% | $415,000 | 7.0% |
| Northpointe Bank | 31 | 6.490% | $125,000 | 3.0% |
| GREENSTATE Credit Union | 30 | 8.590% | $50,000 | 52.4% |
| Cornerstone First Mortgage, Inc | 30 | 6.625% | $245,000 | 3.2% |
| Mortgage Right | 29 | 6.625% | $295,000 | 12.1% |
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 29 | 6.625% | $235,000 | 3.3% |
| Commerce Home Mortgage, Inc. | 28 | 8.813% | $225,000 | 24.3% |
| BETTER MORTGAGE CORPORATION | 27 | 6.875% | $275,000 | 27.0% |
| UNIVERSITY OF MICHIGAN CREDIT UNION | 27 | 6.375% | $265,000 | 7.9% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 26 | 6.750% | $285,000 | 10.3% |
| Plains Commerce Bank | 25 | 6.875% | $255,000 | 7.4% |
| Comerica Bank | 24 | 6.313% | $150,000 | 34.2% |
| NATIONSTAR MORTGAGE LLC | 24 | 6.688% | $215,000 | 7.7% |
| CREDIT UNION ONE | 23 | 6.625% | $195,000 | 30.0% |
| Dearborn Federal Savings Bank | 23 | 6.375% | $225,000 | 0.0% |
| Old National Bank | 23 | 6.500% | $380,000 | 11.5% |
| Luminate Bank | 23 | 7.250% | $125,000 | 4.2% |
| SUN WEST MORTGAGE COMPANY, INC. | 22 | 6.250% | $195,000 | 34.2% |
| Click n' Close, Inc. | 21 | 7.500% | $115,000 | 22.2% |
| BLG HOLDINGS, INC. | 21 | 6.490% | $145,000 | 0.0% |
| Bank of Ann Arbor | 20 | Not published | $190,000 | 9.1% |
| HOMESITE MORTGAGE, LLC | 19 | 6.625% | $125,000 | 13.6% |
| GENEVA FINANCIAL, LLC | 19 | 6.500% | $175,000 | 13.6% |
| USAA Federal Savings Bank | 18 | 6.500% | $175,000 | 37.9% |
| NATIONAL COOPERATIVE BANK, N.A. | 18 | 6.938% | $80,000 | 14.3% |
| MICHIGAN EDUCATIONAL | 18 | 6.250% | $195,000 | 5.3% |
| U.S. Bank National Association | 17 | 6.500% | $285,000 | 41.4% |
| NFM, INC. | 17 | 6.500% | $225,000 | 5.6% |
| TAMMAC HOLDINGS CORPORATION | 16 | 9.950% | $100,000 | 81.8% |
| LENDINGONE, LLC | 16 | 9.490% | $185,000 | 74.2% |
| Fairway Independent Mortgage Corporation | 16 | 6.750% | $125,000 | 26.1% |
| SOUTHWEST FUNDING, LP | 16 | 7.250% | $160,000 | 26.1% |
| MORTGAGE ACCESS CORP. | 16 | 6.875% | $265,000 | 11.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 16 | 6.500% | $225,000 | 5.9% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 15 | 6.875% | $195,000 | 0.0% |
| ChoiceOne Bank | 15 | 6.750% | $185,000 | 21.1% |
| CONSUMERS CREDIT UNION | 15 | 6.625% | $215,000 | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 14 | 7.000% | $290,000 | 17.7% |
| AMERICAN HERITAGE LENDING, LLC | 13 | 7.500% | $95,000 | 9.5% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 13 | 10.250% | $135,000 | 0.0% |
| CHAMPIONS FUNDING, LLC | 13 | 8.875% | $185,000 | 13.3% |
| Tomo Mortgage, LLC | 12 | 6.562% | $255,000 | 25.0% |
| DEEPHAVEN MORTGAGE LLC | 12 | 7.625% | $130,000 | 27.8% |
| DOMINION FINANCIAL SERVICES, LLC | 12 | 9.525% | $155,000 | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 12 | 7.625% | $65,000 | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 11 | 6.625% | $205,000 | 8.3% |
| ALLIANCE CATHOLIC CREDIT UNION | 11 | 6.125% | $145,000 | 7.7% |
| J. VIRGIL, INC. | 11 | 6.625% | $205,000 | 8.3% |
| FREEDOM MORTGAGE CORPORATION | 11 | 6.750% | $255,000 | 26.7% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 11 | 6.750% | $205,000 | 8.3% |
| NEXERA HOLDING LLC | 10 | 7.750% | $190,000 | 23.1% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 10 | 7.250% | $205,000 | 15.4% |
| Wells Fargo Bank, National Association | 9 | Under 10 loans | Under 10 loans | 30.8% |
| SOFI BANK, NATIONAL ASSOCIATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| TOLL BROTHERS MORTGAGE COMPANY | 9 | Under 10 loans | Under 10 loans | 12.5% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 9 | Under 10 loans | Under 10 loans | 23.1% |
| VIBE CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 10.0% |
| KeyBank National Association | 9 | Under 10 loans | Under 10 loans | 25.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Mercantile Bank | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Texana Bank, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| INSPIRE HOME LOANS INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Filo Mortgage, L.L.C. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 8 | Under 10 loans | Under 10 loans | 18.2% |
| LIMA ONE CAPITAL, LLC | 8 | Under 10 loans | Under 10 loans | 33.3% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 8 | Under 10 loans | Under 10 loans | 10.0% |
| LOC Credit Union | 8 | Under 10 loans | Under 10 loans | 27.3% |
| EASTRISE FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| FINANCIAL PLUS CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Michigan Legacy Credit Union | 8 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 8 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 7 | Under 10 loans | Under 10 loans | 81.1% |
| First Independence Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| CIBC Bank USA | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Morgan Stanley Private Bank, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 22.2% |
| ALLIANT CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MMS MORTGAGE SERVICES, LTD. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 47.1% |
| Hometown Equity Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 62.5% |
| GUILD MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 22.2% |
| Paramount Residential Mortgage Group, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| GUARANTEED RATE AFFINITY, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| GreenStone Farm Credit Services, FLCA | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| EQUITY RESOURCES, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| GVC MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 82.3% |
| ADVANTAGE ONE Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ADVIA Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 16.7% |
| THE ANDERSON FINANCIAL GROUP, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| A & N MORTGAGE SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Public Service Credit Union | 4 | Under 10 loans | Under 10 loans | 60.0% |
| ICE LENDER HOLDINGS LLC | 4 | Under 10 loans | Under 10 loans | 60.0% |
| AmeriSave Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 69.2% |
| First Federal Bank | 4 | Under 10 loans | Under 10 loans | 60.0% |
| PENTAGON FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 50.0% |
| HOMEXPRESS MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 60.0% |
| Barrington Bank & Trust Company, National Association | 4 | Under 10 loans | Under 10 loans | 33.3% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| BAY EQUITY LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Wings Financial Credit Union | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Liberty Bank and Trust Company | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Sierra Pacific Mortgage Company, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NexBank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CF Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| St James Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWOOD CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 78.6% |
| Park Lane Finance Solutions, LLC | 3 | Under 10 loans | Under 10 loans | 62.5% |
| OAKTREE FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 14.3% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 3 | Under 10 loans | Under 10 loans | 20.0% |
| DOW CREDIT UNION | 3 | 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 209 lenders each made 3 or fewer mortgages here, and are counted in the totals above.
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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. 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.