Mortgage Lenders and Brokers in Birmingham, 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
Birmingham, Michigan mortgage lenders include First Merchants BankFirst Merchants Bank1712 W Maple Rd, Birmingham, MI 48009A+5.0 ★Texas Ratio: 4.12%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA200 S Old Woodward Ave, Birmingham, MI 48009A+5.0 ★Texas Ratio: 3.68%, Huntington National BankHuntington National Bank555 S Old Woodward Ave, Birmingham, MI 48009A+5.0 ★Texas Ratio: 3.66%, Flagstar Bank NAFlagstar Bank NA35238 Woodward Ave, Birmingham, MI 48009D3.3 ★Texas Ratio: 35.11%, Fifth Third Bank, National AssociationFifth Third Bank, National Association33101 Woodward Ave, Birmingham, MI 48009A+5.0 ★Texas Ratio: 3.22%, Citizens Bank, NACitizens Bank, NA795 E Maple Rd, Birmingham, MI 48009A+5.0 ★Texas Ratio: 5.44%, Wells Fargo Bank NAWells Fargo Bank NA34100 Woodward Ave, Birmingham, MI 48009A+5.0 ★Texas Ratio: 5.36%, PNC Bank N.A.PNC Bank N.A.34953 Woodward Ave, Birmingham, MI 48009A+5.0 ★Texas Ratio: 4.24%, CIBC Bank USACIBC Bank USA34901 Woodward Ave, Birmingham, MI 48009A+5.0 ★Texas Ratio: 5.05%, and Lake Michigan Credit UnionLake Michigan Credit Union496 Ada Dr SE STE 103, Ada, MI 49301. 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 Birmingham, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Birmingham 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 Birmingham, Michigan
Market share is the lender's share of all home loans closed in Birmingham, 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 Birmingham 1712 W Maple Rd, Birmingham, MI 48009 A+5.0 ★Texas Ratio: 4.12% |
Conventional, Jumbo, HELOC | 42 +13 HELOCs |
10% | 97.7% | $1,075,476 | View |
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1 office in Birmingham 200 S Old Woodward Ave, Birmingham, MI 48009 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo, HELOC | 18 +2 HELOCs |
4.3% | 94.7% | $1,135,555 | View |
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2 offices in Birmingham 555 S Old Woodward Ave, Birmingham, MI 48009 A+5.0 ★Texas Ratio: 3.66% |
Conventional, Jumbo, HELOC | 16 +28 HELOCs |
3.8% | 89.5% | $847,500 | View |
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1 office in Birmingham 35238 Woodward Ave, Birmingham, MI 48009 D3.3 ★Texas Ratio: 35.11% |
Conventional, Jumbo, HELOC | 14 +2 HELOCs |
3.3% | 77.8% | $585,000 | View |
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1 office in Birmingham 33101 Woodward Ave, Birmingham, MI 48009 A+5.0 ★Texas Ratio: 3.22% |
Conventional, Jumbo, HELOC | 7 +4 HELOCs |
1.7% | 100% | $630,714 | View |
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1 office in Birmingham 795 E Maple Rd, Birmingham, MI 48009 A+5.0 ★Texas Ratio: 5.44% |
Conventional, Jumbo, HELOC | 4 +27 HELOCs |
1% | 80% | $1,102,500 | View |
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1 office in Birmingham 34100 Woodward Ave, Birmingham, MI 48009 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 3 | 0.7% | 100% | $1,045,000 | View |
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★ 1.7 stars, 3 reviews 1 office in Birmingham 34953 Woodward Ave, Birmingham, MI 48009 A+5.0 ★Texas Ratio: 4.24% |
Conventional, Jumbo, HELOC | 2 +8 HELOCs |
0.5% | 40% | $1,350,000 | View |
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1 office in Birmingham 34901 Woodward Ave, Birmingham, MI 48009 A+5.0 ★Texas Ratio: 5.05% |
Conventional, Jumbo | 1 | 0.2% | 100% | $855,000 | View |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
Conventional, Jumbo, HELOC | 14 +7 HELOCs |
3.3% | 100% | $841,428 | |
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1004 W Midland Rd, Auburn, MI 48611 A5.0 ★Texas Ratio: 6.46% |
Conventional, Jumbo, HELOC | 9 +2 HELOCs |
2.1% | 100% | $1,316,111 | View |
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2100 Executive Hills Dr, Auburn Hills, MI 48326 2947 A+5.0 ★Texas Ratio: 5.37% |
Conventional, Jumbo, HELOC | 9 +1 HELOCs |
2.1% | 56.2% | $1,351,666 | View |
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201 S Superior Ave, Baraga, MI 49908 A+5.0 ★Texas Ratio: 4.32% |
Conventional | 6 | 1.4% | 100% | $423,333 | View |
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395 Briarwood Cir, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 4 +13 HELOCs |
1% | 80% | $1,237,500 | View |
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2483 W Maple Rd, Birmingham, MI 48009 1543 A+5.0 ★Texas Ratio: 1.86% |
Conventional, HELOC | 4 +10 HELOCs |
1% | 80% | $407,500 | View |
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576 E Lincoln St, Birmingham, MI 48009 1757 A+5.0 ★Texas Ratio: 0.54% |
Conventional, HELOC | 4 +6 HELOCs |
1% | 100% | $90,000 | View |
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7310 Woodward Ave, Detroit, MI 48202 A+5.0 ★Texas Ratio: 4.91% |
Conventional, Jumbo | 4 | 1% | 100% | $1,015,000 | View |
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2151 W Stadium Blvd, Ann Arbor, MI 48103 4543 A+5.0 ★Texas Ratio: 3.99% |
Conventional, HELOC | 3 +4 HELOCs |
0.7% | 75% | $345,000 | View |
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20645 Gibraltar Rd, Brownstown Twp, MI 48183 A+5.0 ★Texas Ratio: 4.92% |
Conventional, Jumbo, HELOC | 3 +2 HELOCs |
0.7% | 75% | $1,321,666 | View |
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3082 Coolidge Hwy, Berkley, MI 48072 A+5.0 ★Texas Ratio: 5.97% |
Conventional | 2 | 0.5% | 100% | $105,000 | View |
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6299 Lake Michigan Dr, Allendale, MI 49401 A+5.0 ★Texas Ratio: 0.50% |
Conventional, Jumbo | 2 | 0.5% | 100% | $1,090,000 | View |
Member First Mortgage, LLC
650 W 5th St, Clare, MI 48617 |
Conventional, Jumbo | 2 | 0.5% | 100% | $1,460,000 | |
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188 North Woodward Avenue, Birmingham, MI 48009 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +11 HELOCs |
0.2% | 100% | $95,000 | View |
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2469 Cedar Street, Delhi Township, MI 48842 A-4.9 ★Texas Ratio: 16.59% |
Conventional, HELOC | 1 +2 HELOCs |
0.2% | 100% | $805,000 | View |
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3044 W Grand Blvd Ste L 350, Detroit, MI 48202 3142 A+5.0 ★Texas Ratio: 5.17% |
Conventional | 1 | 0.2% | 100% | $65,000 | View |
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4141 Jackson Rd, Ann Arbor, MI 48103 1827 A+5.0 ★Texas Ratio: 1.03% |
Conventional | 1 | 0.2% | 100% | $735,000 | View |
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5350 Beckley Road B Drive North, Battle Creek, MI 49015 A5.0 ★Texas Ratio: 8.82% |
Conventional | 1 | 0.2% | 100% | $195,000 | View |
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2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54% |
HELOC | 0 +6 HELOCs |
0% | 100% | View | |
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39440 W 14 Mile Rd, Commerce Township, MI 48390 3907 A+5.0 ★Texas Ratio: 5.61% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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53950 Gratiot Ave, Chesterfield, MI 48051 A5.0 ★Texas Ratio: 6.84% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Community Financial
12483 State St, Atlanta, MI 49709 |
HELOC | 0 +1 HELOCs |
0% | 50% | ||
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2550 Capital Ave SW, Battle Creek, MI 49015 A+5.0 ★Texas Ratio: 5.38% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1025 E Grand River Ave, Brighton, MI 48116 1803 A+5.0 ★Texas Ratio: 1.78% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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8171 E 10 Mile Rd, Center Line, MI 48015 1449 A+5.0 ★Texas Ratio: 3.21% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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468 N Ripley Blvd, Alpena, MI 49707 A+5.0 ★Texas Ratio: 2.28% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
United Wholesale Mortgage
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Conventional, VA, Jumbo | 47 | 11.2% | 94.1% | $572,872 | |
Rocket Mortgage
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Conventional, FHA, Jumbo | 46 | 11% | 87% | $451,086 | |
Staunton Financial Inc
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Conventional, Jumbo | 15 | 3.6% | 100% | $704,333 | |
Mortgage Center LC
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Conventional, Jumbo | 5 | 1.2% | 100% | $711,000 | |
Ross Mortgage Corporation
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Conventional | 3 | 0.7% | 100% | $535,000 | |
Gold Star Mortgage Financial Group, Corporation
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Conventional | 2 | 0.5% | 66.7% | $715,000 | |
Mortgage 1 Incorporated
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Conventional | 2 | 0.5% | 75% | $455,000 | |
BLG Holdings, LLC
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Conventional | 2 | 0.5% | 100% | $410,000 | |
Legacy Mortgage
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Conventional | 1 | 0.2% | 100% | $445,000 | |
St. James Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $685,000 | |
Msu Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 10 | 2.4% | 90.9% | $1,042,000 | View |
Guaranteed Rate, Inc.
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Conventional, Jumbo | 8 | 1.9% | 100% | $785,000 | |
CrossCountry Mortgage, LLC
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Conventional, Jumbo | 6 | 1.4% | 100% | $853,333 | |
loanDepot.com LLC
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Conventional, FHA | 6 | 1.4% | 100% | $276,666 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 5 +2 HELOCs |
1.2% | 83.3% | $1,417,000 | View |
Cmg Mortgage Inc
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Conventional, HELOC | 5 +1 HELOCs |
1.2% | 100% | $755,000 | |
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A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo | 5 | 1.2% | 100% | $1,263,000 | View |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional, Jumbo, HELOC | 4 +1 HELOCs |
1% | 100% | $635,000 | View |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 3 | 0.7% | 100% | $1,218,333 | View |
Union Home Mortgage Corp.
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Conventional, Jumbo | 3 | 0.7% | 100% | $491,666 | |
The Anderson Financial Group, Inc.
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Conventional, Jumbo | 3 | 0.7% | 100% | $1,061,666 | |
Mortgage Research Center
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VA | 3 | 0.7% | 100% | $371,666 | |
The Loan Store, Inc
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Conventional | 3 | 0.7% | 83.3% | $435,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 3 | 0.7% | 100% | $291,666 | View |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 2 +2 HELOCs |
0.5% | 100% | $155,000 | View |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 2 | 0.5% | 100% | $640,000 | View |
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A+5.0 ★Texas Ratio: 4.32% |
Conventional, Jumbo | 2 | 0.5% | 100% | $1,610,000 | View |
Kind Lending, LLC
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Conventional | 2 | 0.5% | 100% | $470,000 | |
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A+5.0 ★Texas Ratio: 5.05% |
Conventional | 2 | 0.5% | 100% | $260,000 | View |
Das Acquisition Company, LLC
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Conventional, Jumbo | 2 | 0.5% | 100% | $2,220,000 | |
Pentagon Federal Credit Union
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Conventional | 2 | 0.5% | 100% | $480,000 | |
Better Mortgage Corporation
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Conventional | 2 | 0.5% | 100% | $525,000 | |
New American Funding, LLC.
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Conventional | 2 | 0.5% | 100% | $315,000 | |
Spring Eq, LLC
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Conventional | 2 | 0.5% | 50% | $145,000 | |
Fourleaf Federal Credit Union
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Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.2% | 100% | $1,015,000 | |
The Farmers & Merchants State Bank
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Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.2% | 50% | $1,115,000 | |
Residential Wholesale Mortgage
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Conventional, Jumbo | 1 | 0.2% | 100% | $905,000 | |
Freedom Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $235,000 | |
Primelending
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Conventional | 1 | 0.2% | 100% | $365,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.2% | 33.3% | $115,000 | |
Newrez LLC
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Conventional | 1 | 0.2% | 33.3% | $505,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.2% | 100% | $705,000 | |
Guidance Residential, LLC
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Conventional | 1 | 0.2% | 100% | $705,000 | |
Amerisave Mortgage Company
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Conventional, Jumbo | 1 | 0.2% | 33.3% | $875,000 | |
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A+5.0 ★Texas Ratio: 0.65% |
Conventional | 1 | 0.2% | 100% | $515,000 | View |
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A+5.0 ★Texas Ratio: 3.04% |
Conventional, Jumbo | 1 | 0.2% | 100% | $1,425,000 | View |
Real Genius LLC
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Conventional | 1 | 0.2% | 100% | $485,000 | |
Highlands Residential Mortgage, Ltd.
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Conventional | 1 | 0.2% | 100% | $115,000 | |
Weichert Financial Services
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Conventional | 1 | 0.2% | 100% | $725,000 | |
Provident Funding Associates
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Conventional | 1 | 0.2% | 100% | $725,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.2% | 100% | $325,000 | View |
Nationstar Mortgage
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Conventional | 1 | 0.2% | 100% | $105,000 | |
Stockton Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $425,000 | |
Radius Financial Group Inc
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Conventional | 1 | 0.2% | 100% | $805,000 | |
Citadel Servicing Corporation
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Conventional | 1 | 0.2% | 100% | $135,000 | |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional, Jumbo | 1 | 0.2% | 100% | $1,335,000 | View |
Mutual of Omaha Mortgage
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VA | 1 | 0.2% | 50% | $375,000 | |
Lower, LLC
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Conventional | 1 | 0.2% | 100% | $395,000 | |
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A+5.0 ★Texas Ratio: 2.43% |
Conventional, Jumbo | 1 | 0.2% | 100% | $865,000 | View |
Prism Bank
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Conventional, Jumbo | 1 | 0.2% | 100% | $1,305,000 | |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional, Jumbo | 1 | 0.2% | 100% | $955,000 | View |
Navy Federal Credit Union
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Conventional | 1 | 0.2% | 33.3% | $425,000 | |
Paramount Residential Mortgage
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Conventional, Jumbo | 1 | 0.2% | 100% | $1,925,000 | |
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C+4.1 ★Texas Ratio: 25.91% |
Conventional, Jumbo | 1 | 0.2% | 100% | $1,505,000 | View |
The Mortgage Link, Inc.
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Conventional | 1 | 0.2% | 100% | $725,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
First Savings Bank
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Communityamerica Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Digital Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
RBC Bank (Georgia), N.A.
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HELOC | 0 +1 HELOCs |
0% | n/a |
Birmingham 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 Birmingham, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Birmingham? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Birmingham in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Birmingham, MI
Use these to narrow the list above. Each category shows how many Birmingham, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Birmingham, MI
Independent mortgage companies closed 45.7 percent of home loans in Birmingham, Michigan in 2025, banks 42.4 percent and credit unions 11.9 percent. Member First Mortgage, LLC was the largest mortgage company, First Merchants Bank the largest bank and Lake Michigan Credit Union the largest credit union. Among lenders headquartered in Michigan, Flagstar Bank NA led with 14 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 Birmingham, MI
By home loans closed in 2025, First Merchants Bank was the largest mortgage lender in Birmingham, Michigan with 42 loans, about 10 percent of the market. The largest lender headquartered in Michigan was Flagstar Bank NA with 14 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
2 lenders closed FHA loans in Birmingham, Michigan in 2025, led by Rocket Mortgage with 2. 3 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. 39 banks and 23 credit unions closed home loans in Birmingham, Michigan in 2025, alongside 45 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 Birmingham, 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 Birmingham, 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 Birmingham. 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.
