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Mortgage Lenders and Brokers in Grand Rapids, Michigan

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Grand Rapids, Michigan mortgage lenders include Lake Michigan Credit UnionLake Michigan Credit Union1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336, Mercantile BankMercantile Bank4737 Cascade Rd Se, Grand Rapids, MI 49546A+5.0 ★Texas Ratio: 0.63%, Old National BankOld National Bank5015 E Beltline Ave Ne, Grand Rapids, MI 49525A+5.0 ★Texas Ratio: 4.98%, Fifth Third Bank, National AssociationFifth Third Bank, National Association2201 Wealthy St Se, Grand Rapids, MI 49506A+5.0 ★Texas Ratio: 3.22%, Huntington National BankHuntington National Bank3970 Plainfield Ave Ne, Grand Rapids, MI 49525A+5.0 ★Texas Ratio: 3.66%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA2430 Eastern Ave Se, Grand Rapids, MI 49507A+5.0 ★Texas Ratio: 3.68%, Independent BankIndependent Bank6750 Cascade Rd Se, Grand Rapids, MI 49546A5.0 ★Texas Ratio: 6.46%, Northpointe BankNorthpointe Bank3333 Deposit Dr Ne, Grand Rapids, MI 49546A5.0 ★Texas Ratio: 8.47%, Adventure Credit UnionAdventure Credit Union3286 Alpine Ave NW, Grand Rapids, MI 49544A+5.0 ★Texas Ratio: 4.17%, and United Bank of MichiganUnited Bank of Michigan44 Ionia Ave Sw, Grand Rapids, MI 49503A+5.0 ★Texas Ratio: 0.48%. 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 Grand Rapids, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Grand Rapids 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 Grand Rapids, Michigan

Market share is the lender's share of all home loans closed in Grand Rapids, 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
Lake Michigan Credit Union 1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336	Conventional, FHA, VA, Jumbo, HELOC	704 +416 HELOCs	21.6%	94.5%	$256,590
Mercantile Bank 2 offices in Grand Rapids 4737 Cascade Rd Se, Grand Rapids, MI 49546 A+5.0 ★Texas Ratio: 0.63%	Conventional, FHA, HELOC	125 +26 HELOCs	3.8%	91.2%	$271,960	View
Old National Bank 3 offices in Grand Rapids 5015 E Beltline Ave Ne, Grand Rapids, MI 49525 A+5.0 ★Texas Ratio: 4.98%	Conventional, FHA, Jumbo, HELOC	115 +36 HELOCs	3.5%	96.6%	$255,608	View
Fifth Third Bank, National Association 15 offices in Grand Rapids 2201 Wealthy St Se, Grand Rapids, MI 49506 A+5.0 ★Texas Ratio: 3.22%	Conventional, FHA, VA, Jumbo, HELOC	105 +149 HELOCs	3.2%	80.9%	$210,142	View
Huntington National Bank 10 offices in Grand Rapids 3970 Plainfield Ave Ne, Grand Rapids, MI 49525 A+5.0 ★Texas Ratio: 3.66%	Conventional, FHA, VA, Jumbo, HELOC	65 +169 HELOCs	2%	78.3%	$217,153	View
JPMorgan Chase Bank, NA 10 offices in Grand Rapids 2430 Eastern Ave Se, Grand Rapids, MI 49507 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, HELOC	54 +2 HELOCs	1.7%	91.5%	$230,740	View
Independent Bank 3 offices in Grand Rapids 6750 Cascade Rd Se, Grand Rapids, MI 49546 A5.0 ★Texas Ratio: 6.46%	Conventional, HELOC	48 +14 HELOCs	1.5%	94.1%	$314,583	View
Northpointe Bank 3333 Deposit Dr Ne, Grand Rapids, MI 49546 A5.0 ★Texas Ratio: 8.47%	Conventional, FHA, VA, HELOC	46 +7 HELOCs	1.4%	95.8%	$280,652	View
Adventure Credit Union 3286 Alpine Ave NW, Grand Rapids, MI 49544 A+5.0 ★Texas Ratio: 4.17%	Conventional, HELOC	45 +18 HELOCs	1.4%	85.2%	$121,666	View
United Bank of Michigan 2 offices in Grand Rapids 44 Ionia Ave Sw, Grand Rapids, MI 49503 A+5.0 ★Texas Ratio: 0.48%	Conventional	36	1.1%	80%	$234,722	View
ChoiceOne Bank 1 office in Grand Rapids 330 Market Ave Sw, Grand Rapids, MI 49503 A+5.0 ★Texas Ratio: 5.45%	Conventional, FHA	35	1.1%	90%	$208,714	View
Flagstar Bank NA 3 offices in Grand Rapids 3205 28th St Se, Grand Rapids, MI 49512 D3.3 ★Texas Ratio: 35.11%	Conventional, HELOC	17 +3 HELOCs	0.5%	90%	$203,823	View
AAC Credit Union 904 Broadway Ave NW, Grand Rapids, MI 49504 4415 A+5.0 ★Texas Ratio: 0.81%	Conventional	15	0.5%	88.2%	$84,333	View
Wmcu 1319 Front Ave NW, Grand Rapids, MI 49504	Conventional	13	0.4%	60.7%	$71,153
Meijer Credit Union 2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830 A+5.0 ★Texas Ratio: 2.16%	Conventional	12	0.4%	100%	$241,666	View
Macatawa Bank, N.A. 6 offices in Grand Rapids 6330 28th St Se, Grand Rapids, MI 49546 A+5.0 ★Texas Ratio: 0.50%	Conventional, Jumbo	11	0.3%	91.7%	$334,090	View
Horizon Bank 1 office in Grand Rapids 250 Pearl St Nw, Grand Rapids, MI 49503 A+5.0 ★Texas Ratio: 4.40%	Conventional, FHA, HELOC	10 +3 HELOCs	0.3%	83.3%	$219,000	View
Grand River Bank 1 office in Grand Rapids 50 Crahen Ave Ne, Grand Rapids, MI 49525 A+5.0 ★Texas Ratio: 0.88%	Conventional	10	0.3%	100%	$220,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 4 offices in Grand Rapids 3950 Plainfield Ave Ne, Grand Rapids, MI 49525 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	9 +19 HELOCs	0.3%	100%	$302,777	View
West Michigan Community Bank 2 offices in Grand Rapids 4797 Cascade Rd Se, Grand Rapids, MI 49546 B+4.8 ★Texas Ratio: 17.71%	Conventional	9	0.3%	100%	$288,333	View
Intandem Credit Union 1619 Plainfield AVE NE, Grand Rapids, MI 49505 4703 A+5.0 ★Texas Ratio: 2.03%	Conventional	9	0.3%	75%	$70,555	View
Bank of America NA 4 offices in Grand Rapids 6737 Division Ave S, Grand Rapids, MI 49548 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	7 +10 HELOCs	0.2%	70%	$286,428	View
Preferred Credit Union 3767 Sparks Dr SE, Grand Rapids, MI 49546 A+5.0 ★Texas Ratio: 1.25%	Conventional	6	0.2%	100%	$96,666	View
First Merchants Bank 1 office in Grand Rapids 2355 Burton St Se, Grand Rapids, MI 49506 A+5.0 ★Texas Ratio: 4.12%	Conventional, HELOC	3 +2 HELOCs	0.1%	60%	$145,000	View
Member First Mortgage, LLC 150 Ann St NW, Grand Rapids, MI 49505 6244	Conventional	2	0.1%	100%	$230,000
VanDyk Mortgage Corporation	Conventional, FHA	10	0.3%	100%	$291,000
Consumers Credit Union 6770 Kalamazoo Ave SE, Grand Rapids, MI 49508 7032 A+5.0 ★Texas Ratio: 3.56%	Conventional, Jumbo, HELOC	75 +51 HELOCs	2.3%	91.6%	$248,600	View
Michigan First Credit Union 1225 Plymouth Ave NE, Grand Rapids, MI 49505 A+5.0 ★Texas Ratio: 4.92%	Conventional, FHA, VA, HELOC	46 +5 HELOCs	1.4%	74.2%	$196,304	View
Dart Bank 2469 Cedar Street, Delhi Township, MI 48842 A-4.9 ★Texas Ratio: 16.59%	Conventional, FHA, HELOC	29 +1 HELOCs	0.9%	87.9%	$249,482	View
DFCU Financial 641 44th St SE, Grand Rapids, MI 49548 7525 A+5.0 ★Texas Ratio: 1.86%	Conventional, HELOC	20 +23 HELOCs	0.6%	78.6%	$176,500	View
Credit Union One 1609 Walker Ave NW, Grand Rapids, MI 49504 2640 A+5.0 ★Texas Ratio: 2.54%	Conventional, HELOC	15 +13 HELOCs	0.5%	76.2%	$109,666	View
Arbor Financial Credit Union 7200 KALAMAZOO AVE SE, CALEDONIA, MI 49316 A5.0 ★Texas Ratio: 12.10%	Conventional, HELOC	12 +6 HELOCs	0.4%	92.3%	$258,333	View
Highpoint Community Bank 9265 Cherry Valley Ave Se, Caledonia, MI 49316 A+5.0 ★Texas Ratio: 0.33%	Conventional, Jumbo	11	0.3%	100%	$252,272	View
River Valley Credit Union 7177 Headley St SE, Ada, MI 49301 9900 A+5.0 ★Texas Ratio: 2.94%	Conventional	8	0.2%	88.9%	$62,500	View
Superior National Bank 201 S Superior Ave, Baraga, MI 49908 A+5.0 ★Texas Ratio: 4.32%	Conventional, FHA	7	0.2%	100%	$243,571	View
United Federal Credit Union 1600 E Beltline Ave NE Ste 111, Grand Rapids, MI 49525 7024 A+5.0 ★Texas Ratio: 4.11%	Conventional, HELOC	6 +2 HELOCs	0.2%	77.8%	$203,333	View
Wells Fargo Bank NA 34100 Woodward Ave, Birmingham, MI 48009 A+5.0 ★Texas Ratio: 5.36%	Conventional	6	0.2%	100%	$158,333	View
Ignite Credit Union 200 W Cass St, Albion, MI 49224 A5.0 ★Texas Ratio: 7.48%	Conventional	5	0.2%	71.4%	$53,000	View
Genisys Credit Union 2100 Executive Hills Dr, Auburn Hills, MI 48326 2947 A+5.0 ★Texas Ratio: 5.37%	Conventional	4	0.1%	100%	$270,000	View
First National Bank of America 4660 Kalamazoo Ave Se, Grand Rapids, MI 49508 B-4.3 ★Texas Ratio: 23.12%	Conventional	4	0.1%	100%	$180,000	View
Community West Credit Union 4555 W River Dr NE, Comstock Park, MI 49321 8928 A+5.0 ★Texas Ratio: 2.21%	Conventional, HELOC	3 +6 HELOCs	0.1%	100%	$125,000	View
Michigan Schools and Governmen 2151 W Stadium Blvd, Ann Arbor, MI 48103 4543 A+5.0 ★Texas Ratio: 3.99%	Conventional	3	0.1%	100%	$381,666	View
Dow Credit Union 600 E Lyon Rd, Midland, MI 48640 5396	Conventional	3	0.1%	75%	$168,333
Towne Mortgage Company 1609 Walker Ave NW, Grand Rapids, MI 49504 2640 A+5.0 ★Texas Ratio: 2.54%	FHA	3	0.1%	100%	$178,333	View
Honor Credit Union 1253 Lincoln Rd, Allegan, MI 49010 A+5.0 ★Texas Ratio: 5.27%	Conventional, HELOC	2 +6 HELOCs	0.1%	66.7%	$280,000	View
Members First Credit Union 150 Ann St NW, Grand Rapids, MI 49505 6244 A+5.0 ★Texas Ratio: 4.54%	Conventional	2	0.1%	100%	$105,000	View
State Savings Bank 49 N Benzie Blvd, Beulah, MI 49617 A+5.0 ★Texas Ratio: 1.81%	Conventional	2	0.1%	100%	$165,000	View
Michigan Legacy Credit Union 22855 Gibraltar Rd, Flat Rock, MI 48134 A+5.0 ★Texas Ratio: 2.18%	Conventional	2	0.1%	100%	$250,000	View
North Central Area Credit Union 3140 Ivanrest AVE SW, Grandville, MI 49418 A+5.0 ★Texas Ratio: 5.83%	Conventional	2	0.1%	100%	$340,000	View
Kellogg Community Credit Union 2270 Gezon Pkwy SW, Grand Rapids, MI 49519 9570 A+5.0 ★Texas Ratio: 1.68%	Conventional	2	0.1%	100%	$150,000	View
Comerica Bank 3215 28th St Se, Grand Rapids, MI 49512 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	1 +9 HELOCs	0%	100%	$85,000	View
Citizens Bank, NA 455 E Eisenhower Pkwy, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 5.44%	Conventional, HELOC	1 +4 HELOCs	0%	100%	$95,000	View
Isabella Bank 240 E Northern Ave, Barryton, MI 49305 A+5.0 ★Texas Ratio: 4.10%	Conventional, HELOC	1 +2 HELOCs	0%	100%	$135,000	View
Sturgis Bank & Trust 232 W Monroe St, Bangor, MI 49013 A5.0 ★Texas Ratio: 9.46%	Conventional, Jumbo, HELOC	1 +1 HELOCs	0%	100%	$1,495,000	View
4Front Credit Union 515 E Cayuga St, Bellaire, MI 49615	Conventional	1	0%	100%	$115,000
Community Financial 12483 State St, Atlanta, MI 49709	Conventional	1	0%	100%	$195,000
Dort Financial Credit Union 5750 Baypointe Blvd, Clarkston, MI 48346 3192 A+5.0 ★Texas Ratio: 4.06%	Conventional	1	0%	100%	$205,000	View
Sidney State Bank 201 S Main St, Sheridan, MI 48884 A+5.0 ★Texas Ratio: 1.16%	Conventional	1	0%	100%	$205,000	View
University of Michigan Credit Union 340 E Huron St, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 5.54%	Conventional	1	0%	100%	$355,000	View
KALSEE Credit Union 2121 S Drake Rd, Kalamazoo, MI 49006 5776 A+5.0 ★Texas Ratio: 2.20%	Conventional	1	0%	100%	$175,000	View
Pfcu 6451 Cherry Meadow Dr SE, Caledonia, MI 49316 A+5.0 ★Texas Ratio: 2.00%	Conventional	1	0%	100%	$15,000	View
Gerber Federal Credit Union 508 State St, Fremont, MI 49412 A+5.0 ★Texas Ratio: 4.59%	Conventional	1	0%	100%	$125,000	View
Compass Credit Union 115 S Stone Rd, Fremont, MI 49412 A+5.0 ★Texas Ratio: 2.43%	Conventional	1	0%	100%	$45,000	View
Tlc Community Credit Union 3030 S Adrian Hwy, Adrian, MI 49221 A+5.0 ★Texas Ratio: 0.45%	Conventional	1	0%	100%	$155,000	View
Waterford Bank, N.A. 5800 S Main St, Clarkston, MI 48346 A+5.0 ★Texas Ratio: 5.33%	Conventional	1	0%	100%	$145,000	View
Lafcu 1553 Lansing Rd, Charlotte, MI 48813 A+5.0 ★Texas Ratio: 1.86%	Conventional	1	0%	100%	$475,000	View
Frankenmuth Credit Union 710 N Van Dyke Rd, Bad Axe, MI 48413 A5.0 ★Texas Ratio: 8.18%	Conventional	1	0%	100%	$205,000	View
Michigan United Credit Union 3501 Hamlin Rd, Auburn Hills, MI 48326 A+5.0 ★Texas Ratio: 0.54%	HELOC	0 +3 HELOCs	0%	100%		View
Community Choice Credit Union 39440 W 14 Mile Rd, Commerce Township, MI 48390 3907 A+5.0 ★Texas Ratio: 5.61%	HELOC	0 +1 HELOCs	0%	n/a		View
Loc Credit Union 1025 E Grand River Ave, Brighton, MI 48116 1803 A+5.0 ★Texas Ratio: 1.78%	HELOC	0 +1 HELOCs	0%	n/a		View
Lake Trust Credit Union ★ 1 stars, 1 review 2222 Packard St, Ann Arbor, MI 48104 6368 A5.0 ★Texas Ratio: 6.91%	HELOC	0 +1 HELOCs	0%	n/a		View
Rocket Mortgage	Conventional, FHA, VA, Jumbo	249	7.6%	81.1%	$206,445
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	235 +3 HELOCs	7.2%	88.7%	$264,021
Mortgage 1 Incorporated	Conventional, FHA, VA	79	2.4%	100%	$267,658
Northern Mortgage Services, LLC	Conventional, FHA, VA	55	1.7%	100%	$267,909
Success Mortgage Partners, Inc	Conventional, FHA, VA	37	1.1%	100%	$226,081
Top Flite Financial, Inc.	Conventional, FHA	12	0.4%	80%	$200,000
Msu Federal Credit Union	Conventional, HELOC	10 +12 HELOCs	0.3%	91.7%	$231,000
MMS Mortgage Services, Ltd.	Conventional	8	0.2%	100%	$200,000
Mortgage Center LC	Conventional	5	0.2%	100%	$277,000
Gold Star Mortgage Financial Group, Corporation	Conventional	3	0.1%	100%	$235,000
Staunton Financial Inc	Conventional	3	0.1%	100%	$271,666
Polaris Home Funding Corp.	VA	1	0%	100%	$265,000
Legacy Mortgage	Conventional	1	0%	100%	$215,000
Neighborhood Mortgage Solutions, LLC	Conventional	1	0%	100%	$215,000
Michigan Mutual, Inc	FHA	1	0%	100%	$315,000
Ross Mortgage Corporation	Conventional	1	0%	100%	$155,000
Ark-La-Tex Financial Services LLC	Conventional, FHA, VA	56	1.7%	100%	$268,214
American Pacific Mortgage Corporation	Conventional, FHA	50	1.5%	90.9%	$257,600
Guild Mortgage Company	Conventional, FHA, Jumbo	47	1.4%	100%	$233,510
CrossCountry Mortgage, LLC	Conventional, FHA	33	1%	86.8%	$270,454
Pennymac Loan Services LLC	Conventional, FHA, VA	33	1%	94.4%	$250,757
Churchill Mortgage Corporation	Conventional, FHA	30	0.9%	100%	$239,333
Nationstar Mortgage	Conventional, FHA	28	0.9%	87.5%	$135,714
Newrez LLC	Conventional, FHA, VA	26	0.8%	59.6%	$181,153
First Community Mortgage, Inc. A+5.0 ★Texas Ratio: 0.00%	Conventional, FHA, VA	21	0.6%	95.5%	$255,952	View
Union Home Mortgage Corp.	Conventional, FHA, VA, HELOC	19 +2 HELOCs	0.6%	90.5%	$219,210
Guaranteed Rate, Inc.	Conventional, VA, Jumbo	19	0.6%	100%	$357,105
Canopy Mortgage, LLC	Conventional, FHA, VA	19	0.6%	100%	$268,684
Freedom Mortgage Corporation	Conventional, FHA, VA	18	0.6%	70.4%	$247,222
Fairway Independent Mort Corp	Conventional, FHA, VA	18	0.6%	90%	$286,111
Mortgage Research Center	VA	16	0.5%	55.2%	$275,000
loanDepot.com LLC	Conventional, FHA, VA, HELOC	14 +1 HELOCs	0.4%	61.5%	$120,000
American Financial Resources LLC	Conventional, FHA	12	0.4%	100%	$236,666
AmeriHome Mortgage Company, LLC	Conventional, FHA	12	0.4%	100%	$256,666
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional, FHA, VA	12	0.4%	75%	$268,333	View
Mutual of Omaha Mortgage	Conventional, FHA	11	0.3%	84.6%	$148,636
Discover Bank	Conventional	10	0.3%	40%	$68,000
T2 Financial LLC	Conventional, FHA	10	0.3%	100%	$256,000
Carrington Mortgage Services LLC	Conventional, FHA, VA	10	0.3%	50%	$122,000
Amerisave Mortgage Company	Conventional, FHA	9	0.3%	32.1%	$132,777
PFN Lending Group, Inc.	Conventional, FHA	9	0.3%	90%	$187,222
Zillow Home Loans, LLC	Conventional	9	0.3%	100%	$201,666
Navy Federal Credit Union	Conventional, VA, HELOC	8 +4 HELOCs	0.2%	72.7%	$150,000
The Loan Store, Inc	Conventional, HELOC	8 +2 HELOCs	0.2%	100%	$260,000
Spring Eq, LLC	Conventional, HELOC	8 +1 HELOCs	0.2%	36.4%	$73,750
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, FHA	8	0.2%	88.9%	$131,250	View
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	7	0.2%	77.8%	$307,857	View
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	6	0.2%	56.2%	$250,000
PHH Mortgage Corporation	Conventional, VA	6	0.2%	100%	$201,666
Compass Mortgage, Inc. A+5.0 ★Texas Ratio: 2.43%	Conventional	6	0.2%	100%	$330,000	View
Envoy Mortgage, Ltd	Conventional	5	0.2%	100%	$297,000
Prosperity Home Mortgage, LLC	Conventional	5	0.2%	100%	$207,000
US Bank, N.A. A+5.0 ★Texas Ratio: 2.85%	Conventional, HELOC	4 +1 HELOCs	0.1%	57.1%	$177,500	View
Cmg Mortgage Inc	Conventional, VA, HELOC	4 +1 HELOCs	0.1%	100%	$270,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	4	0.1%	100%	$232,500	View
Everett Financial, Inc.	Conventional, FHA	4	0.1%	100%	$175,000
Gvc Mortgage, Inc.	Conventional, FHA	4	0.1%	100%	$247,500
New American Funding, LLC.	FHA, VA	4	0.1%	50%	$272,500
Lower, LLC	Conventional, FHA	4	0.1%	80%	$277,500
JMAC Lending, Inc.	Conventional, FHA, VA	4	0.1%	100%	$270,000
Sage Home Loans Corporation	Conventional	3	0.1%	75%	$298,333
Nbkc Bank	Conventional, VA	3	0.1%	60%	$475,000
American Financial Network, Inc.	FHA	3	0.1%	60%	$235,000
Click n' Close, Inc.	FHA, VA	3	0.1%	100%	$388,333
American Internet Mortgage, Inc.	Conventional	3	0.1%	100%	$205,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	3	0.1%	100%	$778,333	View
Goodleap, LLC	Conventional, HELOC	2 +2 HELOCs	0.1%	60%	$180,000
Guaranteed Rate Affinity, LLC	Conventional	2	0.1%	66.7%	$315,000
Deephaven Mortgage LLC	Conventional	2	0.1%	100%	$270,000
AdvantageFirst Lending Inc	FHA, VA	2	0.1%	66.7%	$440,000
Ocmbc, Inc. A+5.0 ★Texas Ratio: 5.05%	Conventional	2	0.1%	66.7%	$210,000	View
Sun West Mortgage Company, Inc	Conventional, VA	2	0.1%	100%	$310,000
Planet Home Lending, LLC	FHA, VA	2	0.1%	100%	$225,000
Nations Lending Corporation	Conventional, FHA	2	0.1%	66.7%	$315,000
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	2	0.1%	100%	$320,000	View
Milend, Inc	Conventional	2	0.1%	75%	$205,000
Stockton Mortgage Corporation	Conventional	2	0.1%	66.7%	$390,000
United Mortgage Corp. A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA	2	0.1%	100%	$240,000	View
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	2	0.1%	100%	$255,000	View
Tomo Mortgage LLC	Conventional	2	0.1%	66.7%	$305,000
HomeBridge Financial Services, Inc	Conventional, HELOC	1 +5 HELOCs	0%	50%	$235,000
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$305,000	View
Ruoff Mortgage Company	FHA	1	0%	100%	$245,000
Bny Mellon, N.A. A+5.0 ★Texas Ratio: 0.37%	Conventional, Jumbo	1	0%	100%	$1,605,000	View
Goldman Sachs Bank USA A+5.0 ★Texas Ratio: 4.32%	Conventional	1	0%	100%	$545,000	View
Royal United Mortgage LLC	Conventional	1	0%	25%	$135,000
Primelending	Conventional	1	0%	100%	$325,000
Neighborhood Loans, Inc	Conventional	1	0%	8.3%	$5,000
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional	1	0%	100%	$285,000	View
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo	1	0%	100%	$945,000	View
First Bank A+5.0 ★Texas Ratio: 2.49%	Conventional	1	0%	100%	$405,000	View
Fidelity Bank A5.0 ★Texas Ratio: 12.33%	Conventional	1	0%	100%	$405,000	View
Equity Prime Mortgage LLC	FHA	1	0%	50%	$325,000
Fed Ex Employees Credit Association	Conventional	1	0%	100%	$75,000
First Federal Savings Bank A5.0 ★Texas Ratio: 12.96%	Conventional	1	0%	100%	$375,000	View
Movement Mortgage, LLC	Conventional	1	0%	100%	$345,000
Homestead Funding Corp.	Conventional	1	0%	100%	$305,000
Redwood Residential Acquisition Corporation	Conventional, Jumbo	1	0%	100%	$1,685,000
MortgageCountry	Conventional	1	0%	100%	$325,000
New Wave Lending Group Inc	Conventional	1	0%	100%	$175,000
Select Lending Services, LLC	Conventional	1	0%	100%	$425,000
American Financing Corporation	FHA	1	0%	40%	$105,000
SIRVA Mortgage, Inc.	Conventional	1	0%	100%	$275,000
Strong Home Mortgage, LLC	FHA	1	0%	100%	$275,000
First Colony Mortgage Corporat	Conventional	1	0%	60%	$205,000
Weichert Financial Services	Conventional	1	0%	100%	$245,000
Congressional Federal Credit Union	Conventional	1	0%	100%	$45,000
Commerce Bank A+5.0 ★Texas Ratio: 0.89%	Conventional	1	0%	100%	$185,000	View
Servis One, Inc	Conventional	1	0%	100%	$315,000
Beeline Loans, Inc.	Conventional	1	0%	50%	$175,000
Mortgage300 Corporation	Conventional	1	0%	100%	$325,000
Provident Funding Associates	Conventional	1	0%	100%	$585,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional	1	0%	50%	$265,000	View
The Anderson Financial Group, Inc.	Conventional	1	0%	100%	$215,000
Sierra Pacific Mortgage Co. Inc	Conventional	1	0%	100%	$285,000
Baxter Credit Union	Conventional	1	0%	100%	$185,000
Mission Loans, LLC	Conventional	1	0%	100%	$145,000
First Federal Savings Bank A5.0 ★Texas Ratio: 6.90%	Conventional	1	0%	100%	$185,000	View
Digital Federal Credit Union	Conventional	1	0%	100%	$55,000
V.I.P. Mortgage, Inc.	Conventional	1	0%	100%	$275,000
Nations Direct Mortgage, LLC	Conventional	1	0%	100%	$345,000
Nationwide Mortgage Bankers, Inc.	FHA	1	0%	100%	$355,000
Sunflower Bank, N.A. A5.0 ★Texas Ratio: 10.77%	FHA	1	0%	100%	$385,000	View
ClearEdge Lending LLC	Conventional	1	0%	100%	$125,000
The State Bank & Trust Company A+5.0 ★Texas Ratio: 1.99%	Conventional	1	0%	100%	$255,000	View
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional	1	0%	100%	$255,000	View
Centier Bank A5.0 ★Texas Ratio: 6.45%	Conventional	1	0%	100%	$285,000	View
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	FHA	1	0%	33.3%	$185,000	View
Paramount Residential Mortgage	FHA	1	0%	100%	$345,000
Plaza Home Mortgage, Inc	VA	1	0%	33.3%	$195,000
Royal Credit Union A+5.0 ★Texas Ratio: 0.62%	Conventional	1	0%	100%	$475,000	View
Leaderone Financial Corp.	FHA	1	0%	100%	$345,000
Champions Funding, LLC	Conventional	1	0%	100%	$185,000
Village Capital & Investment	VA	1	0%	33.3%	$215,000
Figure Lending LLC	HELOC	0 +26 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +9 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +8 HELOCs	0%	n/a		View
Valon Mortgage	HELOC	0 +6 HELOCs	0%	0%
Better Mortgage Corporation	HELOC	0 +4 HELOCs	0%	0%
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	HELOC	0 +3 HELOCs	0%	0%		View
Farmers Insurance Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Greenstate Credit Union	HELOC	0 +1 HELOCs	0%	n/a
First Savings Bank	HELOC	0 +1 HELOCs	0%	n/a
Gte Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 8, 2026.

Grand Rapids Mortgage Rate Trends

Daily average mortgage rates for Michigan compared with the national average, updated every evening.

30-Year Fixed MI Avg

7.495%

▲ 0.082 vs 7 days ago

15-Year Fixed MI Avg

7.088%

▲ 0.096 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Grand Rapids, Michigan

Looking for mortgage lenders near me or mortgage brokers near me in Grand Rapids? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Grand Rapids in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Grand Rapids, MI

Use these to narrow the list above. Each category shows how many Grand Rapids, MI lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 107 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 58 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 50 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 65 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 38 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 15 lenders. Loans above the conforming limit for higher priced homes Local lenders based in MI 75 lenders headquartered in Michigan, the closest thing to a mortgage lender near you

Who Lends in Grand Rapids, MI

Independent mortgage companies closed 41.4 percent of home loans in Grand Rapids, Michigan in 2025, banks 26.3 percent and credit unions 32.3 percent. Member First Mortgage, LLC was the largest mortgage company, Mercantile Bank the largest bank and Lake Michigan Credit Union the largest credit union. Among lenders headquartered in Michigan, Lake Michigan Credit Union led with 704 loans.

41.4%

Mortgage companies

26.3%

Banks

32.3%

Credit unions

10%

FHA loans

VA 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

All Michigan lenders 765 lenders Detroit 207 lenders Warren 178 lenders Lansing 167 lenders Sterling Heights 175 lenders Livonia 179 lenders St. Clair Shores 138 lenders Westland 144 lenders Royal Oak 148 lenders Wyoming 152 lenders Troy 145 lenders Ann Arbor 156 lenders Dearborn 112 lenders

Frequently Asked Questions About Mortgage Lenders in Grand Rapids, MI

Who is the largest mortgage lender in Grand Rapids, MI?

By home loans closed in 2025, Lake Michigan Credit Union was the largest mortgage lender in Grand Rapids, Michigan with 704 loans, about 21.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Grand Rapids, MI have the highest approval rates?

Among lenders with meaningful volume in Grand Rapids, Michigan, Mortgage 1 Incorporated approved the highest share of completed applications in 2025 at 100 percent, against a 86.5 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.

Which Grand Rapids, MI mortgage lenders offer FHA, VA and USDA loans?

65 lenders closed FHA loans in Grand Rapids, Michigan in 2025, led by United Wholesale Mortgage with 55. 38 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.

Are credit unions and local banks included in this Grand Rapids, MI lender list?

Yes. 58 banks and 50 credit unions closed home loans in Grand Rapids, Michigan in 2025, alongside 107 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.

How are mortgage lenders in Grand Rapids, MI ranked on this page?

Lenders are ranked only by the number of home loans they closed in Grand Rapids, 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 Grand Rapids, 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 Grand Rapids. 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.