Mortgage Lenders and Brokers in Garden City, 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
Garden City, Michigan mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA28925 Ford Rd, Garden City, MI 48135A+5.0 ★Texas Ratio: 3.68%, DFCU FinancialDFCU Financial7075 Merriman Rd, Garden City, MI 48135A+5.0 ★Texas Ratio: 1.86%, Flagstar Bank NAFlagstar Bank NA3233 Fairlane Dr, Allen Park, MI 48101D3.3 ★Texas Ratio: 35.11%, Community Choice Credit UnionCommunity Choice Credit Union39440 W 14 Mile Rd, Commerce Township, MI 48390 3907A+5.0 ★Texas Ratio: 5.61%, Community FinancialCommunity Financial12483 State St, Atlanta, MI 49709, Huntington National BankHuntington National Bank202 W Maumee St, Adrian, MI 49221A+5.0 ★Texas Ratio: 3.66%, Public Service Credit UnionPublic Service Credit Union5838 Middlebelt Rd, Garden City, MI 48135A+5.0 ★Texas Ratio: 5.17%, Zeal Credit UnionZeal Credit Union7240 Park Ave, Allen Park, MI 48101A+5.0 ★Texas Ratio: 4.89%, Lake Michigan Credit UnionLake Michigan Credit Union496 Ada Dr SE STE 103, Ada, MI 49301, 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 Garden City, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Garden City 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 Garden City, Michigan
Market share is the lender's share of all home loans closed in Garden City, 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 Garden City 28925 Ford Rd, Garden City, MI 48135 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 11 +1 HELOCs |
1.8% | 70.6% | $112,272 | View |
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7075 Merriman Rd, Garden City, MI 48135 A+5.0 ★Texas Ratio: 1.86% |
Conventional, HELOC | 17 +25 HELOCs |
2.8% | 66.7% | $123,235 | View |
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3233 Fairlane Dr, Allen Park, MI 48101 D3.3 ★Texas Ratio: 35.11% |
Conventional, FHA, HELOC | 12 +1 HELOCs |
1.9% | 86.7% | $195,833 | View |
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39440 W 14 Mile Rd, Commerce Township, MI 48390 3907 A+5.0 ★Texas Ratio: 5.61% |
Conventional, HELOC | 10 +4 HELOCs |
1.6% | 76.9% | $54,000 | View |
Community Financial
12483 State St, Atlanta, MI 49709 |
Conventional, HELOC | 8 +9 HELOCs |
1.3% | 90% | $75,000 | |
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202 W Maumee St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, HELOC | 6 +3 HELOCs |
1% | 85.7% | $168,333 | View |
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5838 Middlebelt Rd, Garden City, MI 48135 A+5.0 ★Texas Ratio: 5.17% |
Conventional, HELOC | 6 +1 HELOCs |
1% | 75% | $55,000 | View |
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7240 Park Ave, Allen Park, MI 48101 A+5.0 ★Texas Ratio: 4.89% |
Conventional | 6 | 1% | 75% | $46,666 | View |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
Conventional | 6 | 1% | 100% | $240,000 | |
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2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54% |
Conventional, HELOC | 5 +3 HELOCs |
0.8% | 100% | $79,000 | View |
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455 E Eisenhower Pkwy, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 4 +20 HELOCs |
0.6% | 100% | $167,500 | View |
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395 Briarwood Cir, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 4.14% |
Conventional, FHA, HELOC | 4 +2 HELOCs |
0.6% | 66.7% | $170,000 | View |
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3930 S State Rd, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 4.12% |
Conventional, HELOC | 4 +1 HELOCs |
0.6% | 100% | $182,500 | View |
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4141 Jackson Rd, Ann Arbor, MI 48103 1827 A+5.0 ★Texas Ratio: 1.03% |
Conventional | 4 | 0.6% | 100% | $55,000 | View |
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★ 1 stars, 1 review 2222 Packard St, Ann Arbor, MI 48104 6368 A5.0 ★Texas Ratio: 6.91% |
Conventional | 4 | 0.6% | 100% | $55,000 | View |
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22315 Michigan Ave, Dearborn, MI 48124 A+5.0 ★Texas Ratio: 1.64% |
Conventional | 2 | 0.3% | 100% | $210,000 | View |
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20645 Gibraltar Rd, Brownstown Twp, MI 48183 A+5.0 ★Texas Ratio: 4.92% |
Conventional | 2 | 0.3% | 66.7% | $245,000 | View |
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1004 W Midland Rd, Auburn, MI 48611 A5.0 ★Texas Ratio: 6.46% |
Conventional | 2 | 0.3% | 40% | $165,000 | View |
Member First Mortgage, LLC
650 W 5th St, Clare, MI 48617 |
FHA, VA | 2 | 0.3% | 100% | $205,000 | |
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★ 1.7 stars, 3 reviews 855 Marshall St, Allegan, MI 49010 A+5.0 ★Texas Ratio: 4.24% |
FHA, HELOC | 1 +4 HELOCs |
0.2% | 100% | $185,000 | View |
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475 Ada Drive, Ada Township, MI 49301 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 1 +3 HELOCs |
0.2% | 33.3% | $105,000 | View |
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2151 W Stadium Blvd, Ann Arbor, MI 48103 4543 A+5.0 ★Texas Ratio: 3.99% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $165,000 | View |
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340 E Huron St, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 5.54% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $175,000 | View |
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53950 Gratiot Ave, Chesterfield, MI 48051 A5.0 ★Texas Ratio: 6.84% |
Conventional | 1 | 0.2% | 100% | $185,000 | View |
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1352 S Main St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 4.81% |
Conventional | 1 | 0.2% | 50% | $55,000 | View |
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2469 Cedar Street, Delhi Township, MI 48842 A-4.9 ★Texas Ratio: 16.59% |
Conventional | 1 | 0.2% | 100% | $125,000 | View |
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22855 Gibraltar Rd, Flat Rock, MI 48134 A+5.0 ★Texas Ratio: 2.18% |
Conventional | 1 | 0.2% | 50% | $125,000 | View |
Dow Credit Union
600 E Lyon Rd, Midland, MI 48640 5396 |
Conventional | 1 | 0.2% | 100% | $125,000 | |
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2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830 A+5.0 ★Texas Ratio: 2.16% |
Conventional | 1 | 0.2% | 100% | $95,000 | View |
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34100 Woodward Ave, Birmingham, MI 48009 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.2% | 100% | $95,000 | View |
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230 Woodworth Ave, Alma, MI 48801 A+5.0 ★Texas Ratio: 0.63% |
Conventional | 1 | 0.2% | 100% | $175,000 | View |
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131 S Main St, Brooklyn, MI 49230 A5.0 ★Texas Ratio: 9.21% |
Conventional | 1 | 0.2% | 25% | $215,000 | View |
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625 N Main St, Clawson, MI 48017 1529 A+5.0 ★Texas Ratio: 5.06% |
Conventional | 1 | 0.2% | 100% | $65,000 | View |
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2015 Washtenaw Ave, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 3.82% |
Conventional | 1 | 0.2% | 100% | $235,000 | View |
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101 N Main St Ste 100, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +6 HELOCs |
0% | n/a | View | |
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1422 S Winter St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 4.98% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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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% | 0% | View | |
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3082 Coolidge Hwy, Berkley, MI 48072 A+5.0 ★Texas Ratio: 5.97% |
HELOC | 0 +1 HELOCs |
0% | 0% | 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 | 148 | 24% | 86% | $168,648 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 134 +1 HELOCs |
21.7% | 90.5% | $202,388 | |
Mortgage Center LC
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Conventional | 10 | 1.6% | 76.9% | $152,000 | |
Staunton Financial Inc
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Conventional, FHA | 10 | 1.6% | 90.9% | $193,000 | |
Mortgage 1 Incorporated
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Conventional | 9 | 1.5% | 100% | $173,888 | |
Success Mortgage Partners, Inc
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Conventional | 5 | 0.8% | 100% | $149,000 | |
Gold Star Mortgage Financial Group, Corporation
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Conventional, FHA | 3 | 0.5% | 100% | $155,000 | |
Ross Mortgage Corporation
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Conventional, VA | 3 | 0.5% | 75% | $191,666 | |
Michigan Mutual, Inc
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Conventional, FHA | 2 | 0.3% | 100% | $150,000 | |
Legacy Mortgage
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Conventional | 1 | 0.2% | 50% | $205,000 | |
VanDyk Mortgage Corporation
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FHA | 1 | 0.2% | 100% | $215,000 | |
Ccf - Auburn Hills Branch
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Conventional | 1 | 0.2% | 100% | $55,000 | |
Uif Corporation
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Conventional | 1 | 0.2% | 100% | $175,000 | |
Nationstar Mortgage
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Conventional, FHA, VA | 12 | 1.9% | 85.7% | $117,500 | |
Newrez LLC
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Conventional | 11 | 1.8% | 78.6% | $115,909 | |
Primelending
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Conventional, FHA | 10 | 1.6% | 100% | $216,000 | |
loanDepot.com LLC
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Conventional, FHA | 10 | 1.6% | 83.3% | $148,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, HELOC | 8 +1 HELOCs |
1.3% | 88.9% | $208,750 | |
The Mortgage Link, Inc.
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Conventional, FHA, VA | 8 | 1.3% | 100% | $191,250 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA | 6 | 1% | 85.7% | $205,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 6 | 1% | 100% | $180,000 | |
The Loan Store, Inc
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Conventional, FHA, HELOC | 5 +1 HELOCs |
0.8% | 100% | $187,000 | |
Amerisave Mortgage Company
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Conventional, FHA | 5 | 0.8% | 38.5% | $81,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional, FHA | 4 | 0.6% | 100% | $190,000 | View |
Freedom Mortgage Corporation
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FHA, VA | 4 | 0.6% | 71.4% | $175,000 | |
Mortgage Research Center
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VA | 4 | 0.6% | 57.1% | $197,500 | |
Navy Federal Credit Union
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Conventional, HELOC | 3 +1 HELOCs |
0.5% | 100% | $165,000 | |
American Financial Network, Inc.
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Conventional, FHA | 3 | 0.5% | 100% | $178,333 | |
Cmg Mortgage Inc
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Conventional, FHA | 3 | 0.5% | 100% | $191,666 | |
Union Home Mortgage Corp.
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Conventional, FHA | 3 | 0.5% | 100% | $195,000 | |
New Day Financial, LLC.
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VA | 3 | 0.5% | 60% | $195,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 3 | 0.5% | 75% | $218,333 | View |
Zillow Home Loans, LLC
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Conventional, FHA, VA | 3 | 0.5% | 100% | $185,000 | |
New American Funding, LLC.
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FHA, VA | 3 | 0.5% | 60% | $135,000 | |
Spring Eq, LLC
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Conventional, HELOC | 2 +2 HELOCs |
0.3% | 50% | $55,000 | |
Royal United Mortgage LLC
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Conventional | 2 | 0.3% | 66.7% | $100,000 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA | 2 | 0.3% | 44.4% | $255,000 | |
Equity Prime Mortgage LLC
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FHA | 2 | 0.3% | 66.7% | $175,000 | |
Kind Lending, LLC
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Conventional | 2 | 0.3% | 40% | $155,000 | |
Guidance Residential, LLC
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Conventional | 2 | 0.3% | 100% | $245,000 | |
Highlands Residential Mortgage, Ltd.
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Conventional, FHA | 2 | 0.3% | 100% | $220,000 | |
Plaza Home Mortgage, Inc
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FHA | 2 | 0.3% | 50% | $175,000 | |
Champions Funding, LLC
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Conventional | 2 | 0.3% | 100% | $185,000 | |
Valon Mortgage
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FHA, HELOC | 1 +2 HELOCs |
0.2% | 100% | $155,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.2% | 50% | $155,000 | View |
Ruoff Mortgage Company
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Conventional | 1 | 0.2% | 100% | $165,000 | |
Cornerstone First Mortgage, LLC
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VA | 1 | 0.2% | 100% | $265,000 | |
Goodleap, LLC
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FHA | 1 | 0.2% | 100% | $225,000 | |
Everett Financial, Inc.
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Conventional | 1 | 0.2% | 100% | $135,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $205,000 | |
Loanunited.Com, LLC
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FHA | 1 | 0.2% | 100% | $225,000 | |
Data Mortgage, Inc
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FHA | 1 | 0.2% | 100% | $205,000 | |
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A+5.0 ★Texas Ratio: 5.05% |
Conventional | 1 | 0.2% | 100% | $295,000 | View |
American Financing Corporation
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FHA | 1 | 0.2% | 100% | $55,000 | |
Weichert Financial Services
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Conventional | 1 | 0.2% | 100% | $205,000 | |
Calcon Mutual Mortgage LLC
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Conventional | 1 | 0.2% | 100% | $245,000 | |
Ameritrust Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $255,000 | |
Cardinal Financial Company, Li
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VA | 1 | 0.2% | 100% | $235,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 0.2% | 50% | $145,000 | View |
Planet Home Lending, LLC
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VA | 1 | 0.2% | 100% | $205,000 | |
American Pacific Mortgage Corporation
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FHA | 1 | 0.2% | 100% | $195,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.2% | 100% | $235,000 | View |
Mutual of Omaha Mortgage
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FHA | 1 | 0.2% | 100% | $135,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional | 1 | 0.2% | 100% | $55,000 | View |
Lower, LLC
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FHA | 1 | 0.2% | 50% | $175,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.2% | 100% | $225,000 | View |
Village Capital & Investment
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FHA | 1 | 0.2% | 20% | $205,000 | |
Figure Lending LLC
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HELOC | 0 +6 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
Wings Financial Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Better Mortgage Corporation
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HELOC | 0 +1 HELOCs |
0% | n/a |
Garden City 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 Garden City, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Garden City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Garden City in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Garden City, MI
Use these to narrow the list above. Each category shows how many Garden City, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Garden City, MI
Independent mortgage companies closed 73.7 percent of home loans in Garden City, Michigan in 2025, banks 11.8 percent and credit unions 14.4 percent. Member First Mortgage, LLC was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and DFCU Financial the largest credit union. Among lenders headquartered in Michigan, DFCU Financial led with 17 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 Garden City, MI
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Garden City, Michigan with 11 loans, about 1.8 percent of the market. The largest lender headquartered in Michigan was DFCU Financial with 17 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Garden City, Michigan, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 90.5 percent, against a 82.7 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.
40 lenders closed FHA loans in Garden City, Michigan in 2025, led by Rocket Mortgage with 39. 15 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. 27 banks and 25 credit unions closed home loans in Garden City, Michigan in 2025, alongside 60 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 Garden City, 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 Garden City, 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 Garden City. 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.
