Mortgage Lenders and Brokers in Flat Rock, 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
Flat Rock, Michigan mortgage lenders include First Merchants BankFirst Merchants Bank28417 Telegraph Rd, Flat Rock, MI 48134A+5.0 ★Texas Ratio: 4.12%, Fifth Third Bank, National AssociationFifth Third Bank, National Association28725 Telegraph Rd, Flat Rock, MI 48134A+5.0 ★Texas Ratio: 3.22%, DFCU FinancialDFCU Financial2910 Carpenter Rd, Ann Arbor, MI 48108A+5.0 ★Texas Ratio: 1.86%, Advantage One Credit UnionAdvantage One Credit Union23670 Telegraph Rd, Brownstown, MI 48134A+5.0 ★Texas Ratio: 5.43%, Public Service Credit UnionPublic Service Credit Union26121 Vreeland Rd, Flat Rock, MI 48134A+5.0 ★Texas Ratio: 5.17%, Zeal Credit UnionZeal Credit Union7240 Park Ave, Allen Park, MI 48101A+5.0 ★Texas Ratio: 4.89%, Michigan Legacy Credit UnionMichigan Legacy Credit Union22855 Gibraltar Rd, Flat Rock, MI 48134A+5.0 ★Texas Ratio: 2.18%, Dart BankDart Bank2469 Cedar Street, Delhi Township, MI 48842A-4.9 ★Texas Ratio: 16.59%, Community FinancialCommunity Financial12483 State St, Atlanta, MI 49709, and Credit Union OneCredit Union One2400 Green Rd, Ann Arbor, MI 48105 1550A+5.0 ★Texas Ratio: 2.54%. 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 Flat Rock, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Flat Rock 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 Flat Rock, Michigan
Market share is the lender's share of all home loans closed in Flat Rock, 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 Flat Rock 28417 Telegraph Rd, Flat Rock, MI 48134 A+5.0 ★Texas Ratio: 4.12% |
Conventional, HELOC | 3 +3 HELOCs |
1.4% | 100% | $241,666 | View |
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1 office in Flat Rock 28725 Telegraph Rd, Flat Rock, MI 48134 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 1 +9 HELOCs |
0.5% | 33.3% | $25,000 | View |
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2910 Carpenter Rd, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 1.86% |
Conventional, HELOC | 9 +4 HELOCs |
4.1% | 100% | $308,333 | View |
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23670 Telegraph Rd, Brownstown, MI 48134 A+5.0 ★Texas Ratio: 5.43% |
Conventional, HELOC | 7 +4 HELOCs |
3.2% | 100% | $62,142 | View |
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26121 Vreeland Rd, Flat Rock, MI 48134 A+5.0 ★Texas Ratio: 5.17% |
Conventional, HELOC | 5 +2 HELOCs |
2.3% | 83.3% | $59,000 | View |
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7240 Park Ave, Allen Park, MI 48101 A+5.0 ★Texas Ratio: 4.89% |
Conventional | 5 | 2.3% | 83.3% | $71,000 | View |
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22855 Gibraltar Rd, Flat Rock, MI 48134 A+5.0 ★Texas Ratio: 2.18% |
Conventional | 3 | 1.4% | 100% | $115,000 | View |
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2469 Cedar Street, Delhi Township, MI 48842 A-4.9 ★Texas Ratio: 16.59% |
Conventional, HELOC | 2 +1 HELOCs |
0.9% | 100% | $335,000 | View |
Community Financial
12483 State St, Atlanta, MI 49709 |
Conventional, HELOC | 2 +1 HELOCs |
0.9% | 100% | $225,000 | |
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2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54% |
Conventional, HELOC | 2 +1 HELOCs |
0.9% | 100% | $85,000 | View |
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2100 Executive Hills Dr, Auburn Hills, MI 48326 2947 A+5.0 ★Texas Ratio: 5.37% |
Conventional | 2 | 0.9% | 100% | $235,000 | View |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
Conventional | 2 | 0.9% | 100% | $225,000 | |
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340 E Huron St, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 5.54% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $175,000 | View |
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3233 Fairlane Dr, Allen Park, MI 48101 D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.5% | 33.3% | $235,000 | View |
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39440 W 14 Mile Rd, Commerce Township, MI 48390 3907 A+5.0 ★Texas Ratio: 5.61% |
Conventional | 1 | 0.5% | 100% | $35,000 | View |
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1025 E Grand River Ave, Brighton, MI 48116 1803 A+5.0 ★Texas Ratio: 1.78% |
Conventional | 1 | 0.5% | 100% | $45,000 | View |
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2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54% |
Conventional | 1 | 0.5% | 100% | $195,000 | View |
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2550 Capital Ave SW, Battle Creek, MI 49015 A+5.0 ★Texas Ratio: 5.38% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
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455 E Eisenhower Pkwy, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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101 N Main St Ste 100, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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★ 1.7 stars, 3 reviews 855 Marshall St, Allegan, MI 49010 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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202 W Maumee St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 3.66% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
Rocket Mortgage
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Conventional, FHA, VA | 42 | 19% | 84% | $180,714 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 19 | 8.6% | 73.1% | $282,894 | |
Mortgage 1 Incorporated
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Conventional, FHA | 4 | 1.8% | 100% | $302,500 | |
Mortgage Center LC
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Conventional | 4 | 1.8% | 100% | $217,500 | |
Gold Star Mortgage Financial Group, Corporation
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FHA, VA | 2 | 0.9% | 100% | $305,000 | |
Success Mortgage Partners, Inc
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Conventional | 2 | 0.9% | 100% | $355,000 | |
Staunton Financial Inc
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Conventional, FHA | 2 | 0.9% | 100% | $175,000 | |
Ross Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $335,000 | |
Triad Financial Services, Inc.
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Conventional | 12 | 5.4% | 64.5% | $58,333 | |
Greenstate Credit Union
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Conventional | 9 | 4.1% | 45.8% | $52,777 | |
The Mortgage Link, Inc.
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Conventional, FHA | 8 | 3.6% | 100% | $252,500 | |
Union Home Mortgage Corp.
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Conventional, FHA | 6 | 2.7% | 100% | $330,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 5 | 2.3% | 100% | $173,000 | |
loanDepot.com LLC
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Conventional | 5 | 2.3% | 100% | $163,000 | |
American Financial Network, Inc.
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Conventional, FHA | 5 | 2.3% | 100% | $181,000 | |
Ruoff Mortgage Company
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Conventional, FHA | 4 | 1.8% | 100% | $225,000 | |
Credit Human Federal Credit Un
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Conventional | 4 | 1.8% | 24% | $97,500 | |
Guaranteed Rate, Inc.
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Conventional | 3 | 1.4% | 100% | $251,666 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 3 | 1.4% | 80% | $278,333 | |
Tammac Holdings Corporation
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Conventional | 3 | 1.4% | 38.9% | $108,333 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional, FHA | 2 | 0.9% | 100% | $105,000 | View |
Pennymac Loan Services LLC
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Conventional, FHA | 2 | 0.9% | 100% | $345,000 | |
Nationstar Mortgage
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Conventional | 2 | 0.9% | 66.7% | $80,000 | |
Park Lane Finance SolutionsLLC
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Conventional | 2 | 0.9% | 41.7% | $65,000 | |
Fairway Independent Mort Corp
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Conventional | 2 | 0.9% | 100% | $235,000 | |
21St Mortgage
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Conventional | 2 | 0.9% | 50% | $50,000 | |
Carrington Mortgage Services LLC
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Conventional | 2 | 0.9% | 50% | $55,000 | |
Ark-La-Tex Financial Services LLC
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Conventional, FHA | 2 | 0.9% | 100% | $225,000 | |
Cornerstone First Mortgage, LLC
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Conventional | 1 | 0.5% | 100% | $255,000 | |
American Financial Resources LLC
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FHA | 1 | 0.5% | 100% | $225,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.5% | 25% | $35,000 | |
Newrez LLC
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Conventional | 1 | 0.5% | 50% | $265,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.5% | 100% | $385,000 | |
Kind Lending, LLC
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Conventional | 1 | 0.5% | 100% | $475,000 | |
Cmg Mortgage Inc
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FHA | 1 | 0.5% | 100% | $155,000 | |
Weichert Financial Services
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Conventional | 1 | 0.5% | 100% | $395,000 | |
Mortgage Research Center
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VA | 1 | 0.5% | 100% | $155,000 | |
V.I.P. Mortgage, Inc.
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FHA | 1 | 0.5% | 100% | $235,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 0.5% | 100% | $285,000 | |
Navy Federal Credit Union
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VA | 1 | 0.5% | 100% | $475,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.5% | 100% | $175,000 | View |
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C+4.1 ★Texas Ratio: 25.91% |
Conventional | 1 | 0.5% | 100% | $355,000 | View |
Wings Financial Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Better Mortgage Corporation
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
New American Funding, LLC.
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HELOC | 0 +1 HELOCs |
0% | n/a |
Flat Rock 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 Flat Rock, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Flat Rock? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Flat Rock in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Flat Rock, MI
Use these to narrow the list above. Each category shows how many Flat Rock, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Flat Rock, MI
Independent mortgage companies closed 68.8 percent of home loans in Flat Rock, Michigan in 2025, banks 5 percent and credit unions 26.2 percent. Towne Mortgage Company was the largest mortgage company, First Merchants Bank the largest bank and DFCU Financial the largest credit union. Among lenders headquartered in Michigan, DFCU Financial 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 Flat Rock, MI
By home loans closed in 2025, First Merchants Bank was the largest mortgage lender in Flat Rock, Michigan with 3 loans, about 1.4 percent of the market. The largest lender headquartered in Michigan was DFCU Financial with 9 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
18 lenders closed FHA loans in Flat Rock, Michigan in 2025, led by Rocket Mortgage with 10. 7 lenders closed VA loans, led by Rocket 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 18 credit unions closed home loans in Flat Rock, Michigan in 2025, alongside 40 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 Flat Rock, 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 Flat Rock, 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 Flat Rock. 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.
