Mortgage Lenders and Brokers in Benton Harbor, Michigan
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Benton Harbor, Michigan mortgage lenders include Fifth Third Bank, National AssociationFifth Third Bank, National Association1295 E Napier Ave, Benton Harbor, MI 49022A+5.0 ★Texas Ratio: 3.22%, Huntington National BankHuntington National Bank1882 Pipestone Rd, Benton Harbor, MI 49022A+5.0 ★Texas Ratio: 3.66%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1088 E Napier Ave, Benton Harbor, MI 49022A+5.0 ★Texas Ratio: 3.68%, Horizon BankHorizon Bank1041 E Napier Ave, Benton Harbor, MI 49022A+5.0 ★Texas Ratio: 4.40%, United Federal Credit UnionUnited Federal Credit Union724 E Napier Ave, Benton Harbor, MI 49022 6124A+5.0 ★Texas Ratio: 4.11%, Honor Credit UnionHonor Credit Union1873 E Napier Ave, Benton Harbor, MI 49022A+5.0 ★Texas Ratio: 5.27%, 1St Source Bank1St Source Bank223 S Front St, Dowagiac, MI 49047A+5.0 ★Texas Ratio: 5.01%, Old National BankOld National Bank1422 S Winter St, Adrian, MI 49221A+5.0 ★Texas Ratio: 4.98%, Wells Fargo Bank NAWells Fargo Bank NA34100 Woodward Ave, Birmingham, MI 48009A+5.0 ★Texas Ratio: 5.36%, and Sturgis Bank & TrustSturgis Bank & Trust232 W Monroe St, Bangor, MI 49013A5.0 ★Texas Ratio: 9.46%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Benton Harbor, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Benton Harbor are listed first, then lenders elsewhere in Michigan, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Benton Harbor, Michigan
Market share is the lender's share of all home loans closed in Benton Harbor, Michigan. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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1 office in Benton Harbor 1295 E Napier Ave, Benton Harbor, MI 49022 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 5 +5 HELOCs |
5.8% | 83.3% | $59,000 | View |
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2 offices in Benton Harbor 1882 Pipestone Rd, Benton Harbor, MI 49022 A+5.0 ★Texas Ratio: 3.66% |
Conventional, HELOC | 5 +4 HELOCs |
5.8% | 83.3% | $105,000 | View |
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1 office in Benton Harbor 1088 E Napier Ave, Benton Harbor, MI 49022 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 4 | 4.7% | 80% | $800,000 | View |
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1 office in Benton Harbor 1041 E Napier Ave, Benton Harbor, MI 49022 A+5.0 ★Texas Ratio: 4.40% |
Conventional, FHA | 4 | 4.7% | 40% | $125,000 | View |
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724 E Napier Ave, Benton Harbor, MI 49022 6124 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 16 +8 HELOCs |
18.6% | 76.2% | $112,500 | View |
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1873 E Napier Ave, Benton Harbor, MI 49022 A+5.0 ★Texas Ratio: 5.27% |
Conventional, HELOC | 7 +6 HELOCs |
8.1% | 58.3% | $143,571 | View |
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223 S Front St, Dowagiac, MI 49047 A+5.0 ★Texas Ratio: 5.01% |
Conventional | 1 | 1.2% | 50% | $105,000 | View |
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1422 S Winter St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 4.98% |
Conventional | 1 | 1.2% | 100% | $95,000 | View |
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34100 Woodward Ave, Birmingham, MI 48009 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 1.2% | 100% | $55,000 | View |
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232 W Monroe St, Bangor, MI 49013 A5.0 ★Texas Ratio: 9.46% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
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455 E Eisenhower Pkwy, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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6081 B Dr N, Battle Creek, MI 49014 8367 A+5.0 ★Texas Ratio: 3.56% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Rocket Mortgage
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Conventional, FHA | 7 | 8.1% | 77.8% | $132,142 | |
United Wholesale Mortgage
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FHA, VA | 3 | 3.5% | 42.9% | $108,333 | |
Top Flite Financial, Inc.
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Conventional, FHA | 2 | 2.3% | 100% | $200,000 | |
Union Home Mortgage Corp.
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Conventional, FHA | 9 | 10.5% | 100% | $156,111 | |
Fairway Independent Mort Corp
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Conventional, FHA | 5 | 5.8% | 100% | $93,000 | |
loanDepot.com LLC
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Conventional, VA, HELOC | 3 +1 HELOCs |
3.5% | 60% | $135,000 | |
Mortgage Research Center
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VA | 2 | 2.3% | 50% | $170,000 | |
Zillow Home Loans, LLC
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Conventional | 2 | 2.3% | 100% | $170,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
VA | 1 | 1.2% | 100% | $265,000 | View |
American Financial Resources LLC
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Conventional | 1 | 1.2% | 100% | $65,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 1.2% | 100% | $65,000 | |
Goodleap, LLC
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Conventional | 1 | 1.2% | 100% | $75,000 | |
Newrez LLC
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VA | 1 | 1.2% | 50% | $175,000 | |
American Financing Corporation
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Conventional | 1 | 1.2% | 100% | $65,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 1.2% | 100% | $235,000 | |
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A+5.0 ★Texas Ratio: 2.55% |
Conventional | 1 | 1.2% | 100% | $65,000 | View |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 1.2% | 100% | $545,000 | View |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a |
Benton Harbor Mortgage Rate Trends
Daily average mortgage rates for Michigan compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Benton Harbor, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Benton Harbor? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Benton Harbor in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Benton Harbor, MI
Use these to narrow the list above. Each category shows how many Benton Harbor, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Benton Harbor, MI
Independent mortgage companies closed 45.3 percent of home loans in Benton Harbor, Michigan in 2025, banks 27.9 percent and credit unions 26.7 percent. Rocket Mortgage was the largest mortgage company, Fifth Third Bank, National Association the largest bank and United Federal Credit Union the largest credit union. Among lenders headquartered in Michigan, United Federal Credit Union led with 16 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in Michigan. State real estate transfer tax of $3.75 per $500 (0.75 percent) plus a county transfer tax of $0.55 per $500 (0.11 percent), customarily paid by the seller. No mortgage recording tax.
More Michigan Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Benton Harbor, MI
By home loans closed in 2025, Fifth Third Bank, National Association was the largest mortgage lender in Benton Harbor, Michigan with 5 loans, about 5.8 percent of the market. The largest lender headquartered in Michigan was United Federal Credit Union with 16 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
6 lenders closed FHA loans in Benton Harbor, Michigan in 2025, led by Union Home Mortgage Corp. with 7. 5 lenders closed VA loans, led by United Wholesale Mortgage. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 12 banks and 3 credit unions closed home loans in Benton Harbor, Michigan in 2025, alongside 15 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Benton Harbor, Michigan during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Benton Harbor, Michigan for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Benton Harbor. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
