Mortgage Lenders and Brokers in Madison Heights, Michigan
Brian McKay
|
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.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Madison Heights, Michigan mortgage lenders include Flagstar Bank NAFlagstar Bank NA31049 Dequindre Rd, Madison Heights, MI 48071D3.3 ★Texas Ratio: 35.11%, Huntington National BankHuntington National Bank1800 E 12 Mile Rd, Madison Heights, MI 48071A+5.0 ★Texas Ratio: 3.66%, PNC Bank N.A.PNC Bank N.A.28841 John R Road, Madison Heights, MI 48071A+5.0 ★Texas Ratio: 4.24%, Bank of America NABank of America NA55 W 12 Mile Rd, Madison Heights, MI 48071A+5.0 ★Texas Ratio: 4.14%, Michigan Schools and GovernmenMichigan Schools and Governmen480 W 12 Mile Rd, Madison Heights, MI 48071 2420A+5.0 ★Texas Ratio: 3.99%, First Merchants BankFirst Merchants Bank3930 S State Rd, Ann Arbor, MI 48108A+5.0 ★Texas Ratio: 4.12%, Credit Union OneCredit Union One2400 Green Rd, Ann Arbor, MI 48105 1550A+5.0 ★Texas Ratio: 2.54%, Lake Michigan Credit UnionLake Michigan Credit Union496 Ada Dr SE STE 103, Ada, MI 49301, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA455 Ada Dr Se, Ada, MI 49301A+5.0 ★Texas Ratio: 3.68%, and Genisys Credit UnionGenisys Credit Union2100 Executive Hills Dr, Auburn Hills, MI 48326 2947A+5.0 ★Texas Ratio: 5.37%. 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 Madison Heights, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Madison Heights 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 Madison Heights, Michigan
Market share is the lender's share of all home loans closed in Madison Heights, 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 |
|---|---|---|---|---|---|---|
|
1 office in Madison Heights 31049 Dequindre Rd, Madison Heights, MI 48071 D3.3 ★Texas Ratio: 35.11% |
Conventional, FHA | 20 | 3.8% | 91.3% | $201,500 | View |
|
1 office in Madison Heights 1800 E 12 Mile Rd, Madison Heights, MI 48071 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, HELOC | 11 +5 HELOCs |
2.1% | 64.7% | $204,090 | View |
|
★ 1.7 stars, 3 reviews 1 office in Madison Heights 28841 John R Road, Madison Heights, MI 48071 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 7 +14 HELOCs |
1.3% | 87.5% | $179,285 | View |
|
1 office in Madison Heights 55 W 12 Mile Rd, Madison Heights, MI 48071 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 4 +6 HELOCs |
0.8% | 100% | $210,000 | View |
|
480 W 12 Mile Rd, Madison Heights, MI 48071 2420 A+5.0 ★Texas Ratio: 3.99% |
Conventional, FHA, HELOC | 23 +9 HELOCs |
4.4% | 92% | $88,043 | View |
|
3930 S State Rd, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 4.12% |
Conventional, FHA, HELOC | 10 +1 HELOCs |
1.9% | 91.7% | $154,000 | View |
|
2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54% |
Conventional, HELOC | 9 +9 HELOCs |
1.7% | 90% | $136,111 | View |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
Conventional, HELOC | 7 +4 HELOCs |
1.3% | 100% | $250,714 | |
|
455 Ada Dr Se, Ada, MI 49301 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 7 | 1.3% | 88.9% | $199,285 | View |
|
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947 A+5.0 ★Texas Ratio: 5.37% |
Conventional, HELOC | 5 +7 HELOCs |
0.9% | 71.4% | $131,000 | View |
|
201 S Superior Ave, Baraga, MI 49908 A+5.0 ★Texas Ratio: 4.32% |
Conventional | 5 | 0.9% | 100% | $185,000 | View |
|
53950 Gratiot Ave, Chesterfield, MI 48051 A5.0 ★Texas Ratio: 6.84% |
Conventional | 4 | 0.8% | 100% | $170,000 | View |
|
2910 Carpenter Rd, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 1.86% |
Conventional, HELOC | 3 +4 HELOCs |
0.6% | 60% | $148,333 | View |
|
3082 Coolidge Hwy, Berkley, MI 48072 A+5.0 ★Texas Ratio: 5.97% |
Conventional, HELOC | 3 +1 HELOCs |
0.6% | 75% | $158,333 | View |
|
475 Ada Drive, Ada Township, MI 49301 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 3 +1 HELOCs |
0.6% | 100% | $141,666 | View |
|
1479 Straits Dr, Bay City, MI 48706 A+5.0 ★Texas Ratio: 4.72% |
Conventional | 3 | 0.6% | 100% | $25,000 | View |
|
1004 W Midland Rd, Auburn, MI 48611 A5.0 ★Texas Ratio: 6.46% |
Conventional | 3 | 0.6% | 100% | $178,333 | View |
|
101 N Main St Ste 100, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 2 +3 HELOCs |
0.4% | 100% | $95,000 | View |
|
39440 W 14 Mile Rd, Commerce Township, MI 48390 3907 A+5.0 ★Texas Ratio: 5.61% |
Conventional, HELOC | 2 +2 HELOCs |
0.4% | 100% | $50,000 | View |
|
20645 Gibraltar Rd, Brownstown Twp, MI 48183 A+5.0 ★Texas Ratio: 4.92% |
Conventional | 2 | 0.4% | 40% | $100,000 | View |
|
4141 Jackson Rd, Ann Arbor, MI 48103 1827 A+5.0 ★Texas Ratio: 1.03% |
Conventional | 2 | 0.4% | 100% | $35,000 | View |
|
6081 B Dr N, Battle Creek, MI 49014 8367 A+5.0 ★Texas Ratio: 3.56% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $305,000 | View |
|
7130 Allen Rd, Allen Park, MI 48101 A+5.0 ★Texas Ratio: 1.86% |
Conventional | 1 | 0.2% | 100% | $135,000 | View |
Community Financial
12483 State St, Atlanta, MI 49709 |
Conventional | 1 | 0.2% | 100% | $205,000 | |
|
34100 Woodward Ave, Birmingham, MI 48009 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.2% | 100% | $85,000 | View |
|
★ 1 stars, 1 review 2222 Packard St, Ann Arbor, MI 48104 6368 A5.0 ★Texas Ratio: 6.91% |
Conventional | 1 | 0.2% | 100% | $55,000 | View |
|
131 S Main St, Brooklyn, MI 49230 A5.0 ★Texas Ratio: 9.21% |
Conventional | 1 | 0.2% | 100% | $45,000 | View |
Member First Mortgage, LLC
650 W 5th St, Clare, MI 48617 |
Conventional | 1 | 0.2% | 100% | $265,000 | |
|
2015 Washtenaw Ave, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 3.82% |
Conventional | 1 | 0.2% | 50% | $185,000 | View |
|
2936 Wilder Rd, Bay City, MI 48706 A+5.0 ★Texas Ratio: 3.16% |
Conventional | 1 | 0.2% | 100% | $215,000 | View |
|
455 E Eisenhower Pkwy, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +6 HELOCs |
0% | 0% | View | |
|
1352 S Main St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 4.81% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
340 E Huron St, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 5.54% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
United Wholesale Mortgage
|
Conventional, FHA, VA, HELOC | 100 +3 HELOCs |
19% | 89.6% | $208,700 | |
Rocket Mortgage
|
Conventional, FHA, VA, HELOC | 97 +1 HELOCs |
18.4% | 89% | $177,989 | |
Mortgage 1 Incorporated
|
Conventional, FHA | 14 | 2.7% | 100% | $188,571 | |
Mortgage Center LC
|
Conventional | 9 | 1.7% | 100% | $140,555 | |
Staunton Financial Inc
|
Conventional, FHA, VA | 9 | 1.7% | 100% | $209,444 | |
Gold Star Mortgage Financial Group, Corporation
|
Conventional | 6 | 1.1% | 100% | $155,000 | |
Ross Mortgage Corporation
|
Conventional, FHA, VA | 3 | 0.6% | 100% | $191,666 | |
Success Mortgage Partners, Inc
|
Conventional | 2 | 0.4% | 100% | $240,000 | |
Uif Corporation
|
Conventional | 2 | 0.4% | 100% | $200,000 | |
Msu Federal Credit Union
|
Conventional | 1 | 0.2% | 100% | $335,000 | |
Michigan Mutual, Inc
|
FHA | 1 | 0.2% | 100% | $245,000 | |
Zippy Loans, LLC
|
Conventional | 23 | 4.4% | 60.5% | $27,608 | |
CrossCountry Mortgage, LLC
|
Conventional, VA | 10 | 1.9% | 100% | $173,000 | |
Newrez LLC
|
Conventional, FHA | 7 | 1.3% | 70% | $187,857 | |
Union Home Mortgage Corp.
|
Conventional, FHA | 7 | 1.3% | 100% | $235,000 | |
The Loan Store, Inc
|
Conventional | 7 | 1.3% | 100% | $220,714 | |
loanDepot.com LLC
|
Conventional, FHA | 5 | 0.9% | 83.3% | $139,000 | |
Nationstar Mortgage
|
Conventional | 5 | 0.9% | 83.3% | $141,000 | |
Zillow Home Loans, LLC
|
Conventional, FHA | 5 | 0.9% | 100% | $205,000 | |
Guaranteed Rate, Inc.
|
Conventional, FHA, HELOC | 4 +2 HELOCs |
0.8% | 80% | $240,000 | |
|
A+5.0 ★Texas Ratio: 0.00% |
Conventional | 4 | 0.8% | 80% | $212,500 | View |
Freedom Mortgage Corporation
|
FHA | 4 | 0.8% | 100% | $160,000 | |
American Financial Resources LLC
|
Conventional | 3 | 0.6% | 100% | $208,333 | |
Equity Prime Mortgage LLC
|
FHA | 3 | 0.6% | 100% | $205,000 | |
Cmg Mortgage Inc
|
Conventional, USDA | 3 | 0.6% | 100% | $148,333 | |
|
A+5.0 ★Texas Ratio: 0.51% |
Conventional, FHA | 3 | 0.6% | 75% | $131,666 | View |
Everett Financial, Inc.
|
Conventional, FHA | 2 | 0.4% | 100% | $95,000 | |
Amerisave Mortgage Company
|
Conventional | 2 | 0.4% | 66.7% | $35,000 | |
Provident Funding Associates
|
Conventional | 2 | 0.4% | 100% | $215,000 | |
Pentagon Federal Credit Union
|
Conventional | 2 | 0.4% | 100% | $140,000 | |
Mutual of Omaha Mortgage
|
FHA, VA | 2 | 0.4% | 100% | $250,000 | |
Lower, LLC
|
Conventional | 2 | 0.4% | 100% | $175,000 | |
Plaza Home Mortgage, Inc
|
Conventional | 2 | 0.4% | 100% | $230,000 | |
The Mortgage Link, Inc.
|
Conventional, FHA | 2 | 0.4% | 100% | $215,000 | |
|
A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 66.7% | $205,000 | View |
Better Mortgage Corporation
|
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $175,000 | |
|
A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.2% | 100% | $145,000 | View |
Ruoff Mortgage Company
|
Conventional | 1 | 0.2% | 100% | $285,000 | |
Royal United Mortgage LLC
|
Conventional | 1 | 0.2% | 100% | $95,000 | |
|
A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.2% | 100% | $245,000 | View |
Sage Home Loans Corporation
|
Conventional | 1 | 0.2% | 100% | $275,000 | |
Guidance Residential, LLC
|
Conventional | 1 | 0.2% | 100% | $135,000 | |
Movement Mortgage, LLC
|
Conventional | 1 | 0.2% | 100% | $325,000 | |
Resicentral LLC
|
Conventional | 1 | 0.2% | 100% | $185,000 | |
Pennymac Loan Services LLC
|
FHA | 1 | 0.2% | 100% | $265,000 | |
Guild Mortgage Company
|
Conventional | 1 | 0.2% | 100% | $205,000 | |
American Financial Network, Inc.
|
FHA | 1 | 0.2% | 100% | $245,000 | |
Diamond Residential Mtg Corp
|
Conventional | 1 | 0.2% | 100% | $145,000 | |
|
A+5.0 ★Texas Ratio: 5.05% |
Conventional | 1 | 0.2% | 100% | $295,000 | View |
|
A+5.0 ★Texas Ratio: 1.05% |
Conventional | 1 | 0.2% | 100% | $175,000 | View |
American Internet Mortgage, Inc.
|
Conventional | 1 | 0.2% | 100% | $165,000 | |
|
B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.2% | 100% | $285,000 | View |
The Anderson Financial Group, Inc.
|
Conventional | 1 | 0.2% | 100% | $205,000 | |
Mortgage Research Center
|
VA | 1 | 0.2% | 100% | $255,000 | |
|
A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.2% | 100% | $215,000 | View |
Selfreliance Federal Credit Union
|
Conventional | 1 | 0.2% | 100% | $135,000 | |
1st National Bank
|
Conventional | 1 | 0.2% | 100% | $185,000 | |
|
A5.0 ★Texas Ratio: 10.77% |
Conventional | 1 | 0.2% | 100% | $215,000 | View |
Navy Federal Credit Union
|
Conventional | 1 | 0.2% | 100% | $25,000 | |
Angel Oak Mortgage Solutions LLC
|
Conventional | 1 | 0.2% | 100% | $155,000 | |
Carrington Mortgage Services LLC
|
FHA | 1 | 0.2% | 33.3% | $175,000 | |
Ark-La-Tex Financial Services LLC
|
Conventional | 1 | 0.2% | 100% | $255,000 | |
Tomo Mortgage LLC
|
Conventional | 1 | 0.2% | 100% | $265,000 | |
Village Capital & Investment
|
VA | 1 | 0.2% | 100% | $315,000 | |
Lendage, LLC dba Achieve Loans
|
HELOC | 0 +6 HELOCs |
0% | n/a | ||
Figure Lending LLC
|
HELOC | 0 +3 HELOCs |
0% | n/a | ||
Valon Mortgage
|
HELOC | 0 +3 HELOCs |
0% | n/a | ||
Alliant Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Goodleap, LLC
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Spring Eq, LLC
|
HELOC | 0 +1 HELOCs |
0% | n/a |
Madison Heights 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 Madison Heights, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Madison Heights? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Madison Heights in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Madison Heights, MI
Use these to narrow the list above. Each category shows how many Madison Heights, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Madison Heights, MI
Independent mortgage companies closed 67.2 percent of home loans in Madison Heights, Michigan in 2025, banks 17.8 percent and credit unions 15 percent. Member First Mortgage, LLC was the largest mortgage company, Flagstar Bank NA the largest bank and Michigan Schools and Governmen the largest credit union. Among lenders headquartered in Michigan, Flagstar Bank NA led with 20 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 Madison Heights, MI
By home loans closed in 2025, Flagstar Bank NA was the largest mortgage lender in Madison Heights, Michigan with 20 loans, about 3.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Madison Heights, Michigan, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 89.6 percent, against a 87.8 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.
24 lenders closed FHA loans in Madison Heights, Michigan in 2025, led by United Wholesale Mortgage with 18. 9 lenders closed VA loans, led by United Wholesale Mortgage, and 1 closed USDA rural loans. 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. 26 banks and 23 credit unions closed home loans in Madison Heights, Michigan in 2025, alongside 55 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 Madison Heights, 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 Madison Heights, 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 Madison Heights. 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.
