Mortgage Lenders and Brokers in Ferndale, 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
Ferndale, Michigan mortgage lenders include First Merchants BankFirst Merchants Bank22635 Woodward Ave, Ferndale, MI 48220A+5.0 ★Texas Ratio: 4.12%, Credit Union OneCredit Union One400 E 9 Mile Rd, Ferndale, MI 48220A+5.0 ★Texas Ratio: 2.54%, Huntington National BankHuntington National Bank306 W 9 Mile Rd, Ferndale, MI 48220A+5.0 ★Texas Ratio: 3.66%, Citizens Bank, NACitizens Bank, NA23011 Woodward Ave, Ferndale, MI 48220A+5.0 ★Texas Ratio: 5.44%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA455 Ada Dr Se, Ada, MI 49301A+5.0 ★Texas Ratio: 3.68%, Michigan Schools and GovernmenMichigan Schools and Governmen2151 W Stadium Blvd, Ann Arbor, MI 48103 4543A+5.0 ★Texas Ratio: 3.99%, Superior National BankSuperior National Bank201 S Superior Ave, Baraga, MI 49908A+5.0 ★Texas Ratio: 4.32%, Flagstar Bank NAFlagstar Bank NA3233 Fairlane Dr, Allen Park, MI 48101D3.3 ★Texas Ratio: 35.11%, Lake Michigan Credit UnionLake Michigan Credit Union496 Ada Dr SE STE 103, Ada, MI 49301, and Bank of America NABank of America NA395 Briarwood Cir, Ann Arbor, MI 48108A+5.0 ★Texas Ratio: 4.14%. 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 Ferndale, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Ferndale 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 Ferndale, Michigan
Market share is the lender's share of all home loans closed in Ferndale, 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 Ferndale 22635 Woodward Ave, Ferndale, MI 48220 A+5.0 ★Texas Ratio: 4.12% |
Conventional, HELOC | 24 +1 HELOCs |
4.5% | 100% | $178,333 | View |
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400 E 9 Mile Rd, Ferndale, MI 48220 A+5.0 ★Texas Ratio: 2.54% |
Conventional, HELOC | 9 +15 HELOCs |
1.7% | 81.2% | $121,666 | View |
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1 office in Ferndale 306 W 9 Mile Rd, Ferndale, MI 48220 A+5.0 ★Texas Ratio: 3.66% |
Conventional, HELOC | 8 +6 HELOCs |
1.5% | 80% | $200,000 | View |
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1 office in Ferndale 23011 Woodward Ave, Ferndale, MI 48220 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +7 HELOCs |
0% | n/a | View | |
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455 Ada Dr Se, Ada, MI 49301 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 16 +1 HELOCs |
3% | 100% | $213,125 | View |
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2151 W Stadium Blvd, Ann Arbor, MI 48103 4543 A+5.0 ★Texas Ratio: 3.99% |
Conventional, FHA, HELOC | 13 +2 HELOCs |
2.5% | 86.7% | $185,000 | View |
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201 S Superior Ave, Baraga, MI 49908 A+5.0 ★Texas Ratio: 4.32% |
Conventional, VA | 12 | 2.3% | 100% | $265,000 | View |
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3233 Fairlane Dr, Allen Park, MI 48101 D3.3 ★Texas Ratio: 35.11% |
Conventional, FHA, HELOC | 11 +1 HELOCs |
2.1% | 68.8% | $221,363 | View |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
Conventional | 11 | 2.1% | 100% | $288,636 | |
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395 Briarwood Cir, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 5 +6 HELOCs |
0.9% | 100% | $215,000 | View |
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2100 Executive Hills Dr, Auburn Hills, MI 48326 2947 A+5.0 ★Texas Ratio: 5.37% |
Conventional, HELOC | 5 +2 HELOCs |
0.9% | 100% | $165,000 | View |
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4141 Jackson Rd, Ann Arbor, MI 48103 1827 A+5.0 ★Texas Ratio: 1.03% |
Conventional, HELOC | 4 +1 HELOCs |
0.8% | 100% | $52,500 | View |
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53950 Gratiot Ave, Chesterfield, MI 48051 A5.0 ★Texas Ratio: 6.84% |
Conventional | 4 | 0.8% | 100% | $275,000 | View |
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475 Ada Drive, Ada Township, MI 49301 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 3 +2 HELOCs |
0.6% | 100% | $391,666 | View |
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1004 W Midland Rd, Auburn, MI 48611 A5.0 ★Texas Ratio: 6.46% |
Conventional | 3 | 0.6% | 100% | $198,333 | View |
Member First Mortgage, LLC
650 W 5th St, Clare, MI 48617 |
Conventional | 3 | 0.6% | 75% | $398,333 | |
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2910 Carpenter Rd, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 1.86% |
Conventional, HELOC | 2 +5 HELOCs |
0.4% | 100% | $135,000 | View |
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39440 W 14 Mile Rd, Commerce Township, MI 48390 3907 A+5.0 ★Texas Ratio: 5.61% |
Conventional, HELOC | 2 +3 HELOCs |
0.4% | 100% | $45,000 | View |
Community Financial
12483 State St, Atlanta, MI 49709 |
Conventional, HELOC | 2 +1 HELOCs |
0.4% | 100% | $110,000 | |
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20645 Gibraltar Rd, Brownstown Twp, MI 48183 A+5.0 ★Texas Ratio: 4.92% |
Conventional, HELOC | 2 +1 HELOCs |
0.4% | 50% | $50,000 | View |
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340 E Huron St, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 5.54% |
Conventional, HELOC | 2 +1 HELOCs |
0.4% | 100% | $345,000 | View |
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1422 S Winter St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 4.98% |
Conventional | 2 | 0.4% | 100% | $225,000 | View |
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2469 Cedar Street, Delhi Township, MI 48842 A-4.9 ★Texas Ratio: 16.59% |
Conventional | 2 | 0.4% | 100% | $170,000 | View |
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6081 B Dr N, Battle Creek, MI 49014 8367 A+5.0 ★Texas Ratio: 3.56% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $325,000 | View |
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22315 Michigan Ave, Dearborn, MI 48124 A+5.0 ★Texas Ratio: 1.64% |
Conventional | 1 | 0.2% | 100% | $335,000 | View |
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7130 Allen Rd, Allen Park, MI 48101 A+5.0 ★Texas Ratio: 1.86% |
Conventional | 1 | 0.2% | 100% | $265,000 | View |
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3333 Deposit Dr Ne, Grand Rapids, MI 49546 A5.0 ★Texas Ratio: 8.47% |
Conventional | 1 | 0.2% | 100% | $185,000 | View |
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5750 Baypointe Blvd, Clarkston, MI 48346 3192 A+5.0 ★Texas Ratio: 4.06% |
Conventional | 1 | 0.2% | 100% | $205,000 | View |
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7240 Park Ave, Allen Park, MI 48101 A+5.0 ★Texas Ratio: 4.89% |
Conventional | 1 | 0.2% | 100% | $35,000 | View |
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214 W 9 Mile Rd, Ferndale, MI 48220 A+5.0 ★Texas Ratio: 5.97% |
Conventional | 1 | 0.2% | 100% | $225,000 | View |
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3501 Hamlin Rd, Auburn Hills, MI 48326 A+5.0 ★Texas Ratio: 0.54% |
Conventional | 1 | 0.2% | 100% | $25,000 | View |
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7310 Woodward Ave, Detroit, MI 48202 A+5.0 ★Texas Ratio: 4.91% |
Conventional | 1 | 0.2% | 100% | $375,000 | View |
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400 E 9 Mile Rd, Ferndale, MI 48220 A+5.0 ★Texas Ratio: 2.54% |
FHA | 1 | 0.2% | 100% | $175,000 | View |
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5515 Van Dyke Rd, Almont, MI 48003 A+5.0 ★Texas Ratio: 5.45% |
Conventional | 1 | 0.2% | 100% | $175,000 | View |
Financial Plus Credit Union
4129 N Euclid Ave, Bay City, MI 48706 |
Conventional | 1 | 0.2% | 100% | $275,000 | |
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★ 1.7 stars, 3 reviews 855 Marshall St, Allegan, MI 49010 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +9 HELOCs |
0% | n/a | View | |
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1000 E 9 Mile Rd, Ferndale, MI 48220 A+5.0 ★Texas Ratio: 4.14% |
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 | |
Rocket Mortgage
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Conventional, FHA, VA | 107 | 20.2% | 87.9% | $220,700 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 98 +3 HELOCs |
18.5% | 86.1% | $238,979 | |
Staunton Financial Inc
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Conventional, VA | 16 | 3% | 80% | $268,125 | |
Mortgage 1 Incorporated
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Conventional, FHA | 14 | 2.6% | 100% | $265,714 | |
Mortgage Center LC
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Conventional | 6 | 1.1% | 85.7% | $190,000 | |
Gold Star Mortgage Financial Group, Corporation
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Conventional | 4 | 0.8% | 100% | $225,000 | |
Msu Federal Credit Union
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Conventional, HELOC | 3 +4 HELOCs |
0.6% | 75% | $255,000 | |
Michigan Mutual, Inc
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Conventional, FHA | 3 | 0.6% | 100% | $211,666 | |
Ross Mortgage Corporation
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Conventional | 2 | 0.4% | 100% | $235,000 | |
Legacy Mortgage
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FHA | 1 | 0.2% | 100% | $305,000 | |
Ccf - Auburn Hills Branch
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Conventional | 1 | 0.2% | 50% | $25,000 | |
BLG Holdings, LLC
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Conventional | 1 | 0.2% | 100% | $185,000 | |
Top Flite Financial, Inc.
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Conventional | 1 | 0.2% | 100% | $215,000 | |
Union Home Mortgage Corp.
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Conventional, FHA, HELOC | 20 +1 HELOCs |
3.8% | 100% | $222,500 | |
Newrez LLC
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Conventional, VA | 8 | 1.5% | 80% | $191,250 | |
loanDepot.com LLC
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Conventional, FHA | 7 | 1.3% | 100% | $193,571 | |
Nationstar Mortgage
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Conventional | 6 | 1.1% | 85.7% | $111,666 | |
CrossCountry Mortgage, LLC
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Conventional | 5 | 0.9% | 100% | $189,000 | |
The Loan Store, Inc
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Conventional | 5 | 0.9% | 100% | $225,000 | |
Pennymac Loan Services LLC
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Conventional, VA | 4 | 0.8% | 66.7% | $212,500 | |
Everett Financial, Inc.
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Conventional, FHA | 3 | 0.6% | 100% | $241,666 | |
The Mortgage Link, Inc.
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Conventional | 3 | 0.6% | 100% | $241,666 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 2 +1 HELOCs |
0.4% | 100% | $170,000 | View |
Cmg Mortgage Inc
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Conventional, FHA, HELOC | 2 +1 HELOCs |
0.4% | 100% | $120,000 | |
Cornerstone First Mortgage, LLC
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Conventional | 2 | 0.4% | 100% | $225,000 | |
American Financial Resources LLC
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Conventional | 2 | 0.4% | 100% | $175,000 | |
Equity Prime Mortgage LLC
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FHA | 2 | 0.4% | 100% | $180,000 | |
Movement Mortgage, LLC
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Conventional | 2 | 0.4% | 66.7% | $430,000 | |
The Anderson Financial Group, Inc.
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Conventional, FHA | 2 | 0.4% | 100% | $210,000 | |
Zillow Home Loans, LLC
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Conventional | 2 | 0.4% | 100% | $175,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 0.4% | 100% | $275,000 | View |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 2 | 0.4% | 100% | $230,000 | View |
Plaza Home Mortgage, Inc
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Conventional | 2 | 0.4% | 50% | $350,000 | |
Tomo Mortgage LLC
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Conventional | 2 | 0.4% | 100% | $255,000 | |
Valon Mortgage
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Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $325,000 | |
Alliant Credit Union
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Conventional | 1 | 0.2% | 100% | $305,000 | |
Ruoff Mortgage Company
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Conventional | 1 | 0.2% | 100% | $195,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
FHA | 1 | 0.2% | 100% | $365,000 | View |
Royal United Mortgage LLC
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Conventional | 1 | 0.2% | 100% | $125,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.2% | 100% | $365,000 | View |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.2% | 20% | $35,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.2% | 100% | $265,000 | |
Nbkc Bank
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Conventional | 1 | 0.2% | 100% | $205,000 | |
Resicentral LLC
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Conventional | 1 | 0.2% | 100% | $225,000 | |
American Financial Network, Inc.
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Conventional | 1 | 0.2% | 100% | $105,000 | |
Assurance Financial Group, L.L.C.
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FHA | 1 | 0.2% | 100% | $175,000 | |
Discover Bank
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Conventional | 1 | 0.2% | 20% | $55,000 | |
Kwik Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $335,000 | |
Weichert Financial Services
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Conventional | 1 | 0.2% | 100% | $215,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 0.2% | 50% | $175,000 | View |
Intouch Credit Union
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Conventional | 1 | 0.2% | 100% | $25,000 | |
Beeline Loans, Inc.
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Conventional | 1 | 0.2% | 100% | $225,000 | |
Churchill Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $195,000 | |
Provident Funding Associates
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Conventional | 1 | 0.2% | 100% | $255,000 | |
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A5.0 ★Texas Ratio: 8.69% |
Conventional | 1 | 0.2% | 100% | $225,000 | View |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 1 | 0.2% | 50% | $175,000 | View |
Mortgage Research Center
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VA | 1 | 0.2% | 50% | $245,000 | |
Stockton Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $135,000 | |
V.I.P. Mortgage, Inc.
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Conventional | 1 | 0.2% | 100% | $295,000 | |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional | 1 | 0.2% | 100% | $105,000 | View |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.2% | 100% | $265,000 | |
New American Funding, LLC.
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Conventional | 1 | 0.2% | 100% | $245,000 | |
Stanford Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $225,000 | |
Navy Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $45,000 | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Better Mortgage Corporation
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Ferndale 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 Ferndale, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Ferndale? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Ferndale in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Ferndale, MI
Use these to narrow the list above. Each category shows how many Ferndale, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Ferndale, MI
Independent mortgage companies closed 65.8 percent of home loans in Ferndale, Michigan in 2025, banks 20.4 percent and credit unions 13.8 percent. Member First Mortgage, LLC was the largest mortgage company, First Merchants Bank the largest bank and Credit Union One the largest credit union. Among lenders headquartered in Michigan, Credit Union One led with 9 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 Ferndale, MI
By home loans closed in 2025, First Merchants Bank was the largest mortgage lender in Ferndale, Michigan with 24 loans, about 4.5 percent of the market. The largest lender headquartered in Michigan was Credit Union One with 9 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Ferndale, Michigan, Rocket Mortgage approved the highest share of completed applications in 2025 at 87.9 percent, against a 88 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
16 lenders closed FHA loans in Ferndale, Michigan in 2025, led by Rocket Mortgage with 15. 7 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. 31 banks and 25 credit unions closed home loans in Ferndale, Michigan in 2025, alongside 51 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 Ferndale, 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 Ferndale, 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 Ferndale. 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.
