Mortgage Lenders and Brokers in Midland, 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
Midland, Michigan mortgage lenders include Dow Credit UnionDow Credit Union600 E Lyon Rd, Midland, MI 48640 5396, Huntington National BankHuntington National Bank1000 S Saginaw Rd, Midland, MI 48640A+5.0 ★Texas Ratio: 3.66%, Members First Credit UnionMembers First Credit Union600 W Wackerly St, Midland, MI 48640 4702A+5.0 ★Texas Ratio: 4.54%, Isabella BankIsabella Bank2222 N Saginaw Rd, Midland, MI 48640A+5.0 ★Texas Ratio: 4.10%, Fifth Third Bank, National AssociationFifth Third Bank, National Association1616 N Saginaw Rd, Midland, MI 48640A+5.0 ★Texas Ratio: 3.22%, Horizon BankHorizon Bank5710 Eastman Ave, Midland, MI 48640A+5.0 ★Texas Ratio: 4.40%, Mercantile BankMercantile Bank109 E Main St, Midland, MI 48640A+5.0 ★Texas Ratio: 0.63%, PNC Bank N.A.PNC Bank N.A.5200 Eastman Ave, Midland, MI 48640A+5.0 ★Texas Ratio: 4.24%, Wildfire Credit UnionWildfire Credit Union100 Joseph Dr, Midland, MI 48642A+5.0 ★Texas Ratio: 3.16%, and Frankenmuth Credit UnionFrankenmuth Credit Union401 S Saginaw Rd, Midland, MI 48640A5.0 ★Texas Ratio: 8.18%. 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 Midland, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Midland 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 Midland, Michigan
Market share is the lender's share of all home loans closed in Midland, 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 |
|---|---|---|---|---|---|---|
Dow Credit Union
600 E Lyon Rd, Midland, MI 48640 5396 |
Conventional | 88 | 9.2% | 90.8% | $193,522 | |
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5 offices in Midland 1000 S Saginaw Rd, Midland, MI 48640 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, VA, HELOC | 40 +44 HELOCs |
4.2% | 91.1% | $205,500 | View |
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600 W Wackerly St, Midland, MI 48640 4702 A+5.0 ★Texas Ratio: 4.54% |
Conventional | 30 | 3.1% | 68.2% | $166,000 | View |
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2 offices in Midland 2222 N Saginaw Rd, Midland, MI 48640 A+5.0 ★Texas Ratio: 4.10% |
Conventional, Jumbo, HELOC | 27 +3 HELOCs |
2.8% | 93.1% | $384,629 | View |
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2 offices in Midland 1616 N Saginaw Rd, Midland, MI 48640 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 11 +8 HELOCs |
1.2% | 91.7% | $178,636 | View |
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2 offices in Midland 5710 Eastman Ave, Midland, MI 48640 A+5.0 ★Texas Ratio: 4.40% |
Conventional, Jumbo, HELOC | 8 +9 HELOCs |
0.8% | 100% | $312,500 | View |
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1 office in Midland 109 E Main St, Midland, MI 48640 A+5.0 ★Texas Ratio: 0.63% |
Conventional, HELOC | 7 +1 HELOCs |
0.7% | 100% | $222,142 | View |
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★ 1.7 stars, 3 reviews 1 office in Midland 5200 Eastman Ave, Midland, MI 48640 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +7 HELOCs |
0.1% | 100% | $235,000 | View |
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100 Joseph Dr, Midland, MI 48642 A+5.0 ★Texas Ratio: 3.16% |
Conventional | 40 | 4.2% | 90.9% | $190,000 | View |
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401 S Saginaw Rd, Midland, MI 48640 A5.0 ★Texas Ratio: 8.18% |
Conventional, Jumbo | 23 | 2.4% | 95.8% | $317,608 | View |
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400 Ashman St, Midland, MI 48640 A+5.0 ★Texas Ratio: 2.15% |
Conventional, Jumbo | 12 | 1.3% | 85.7% | $267,500 | View |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
Conventional, HELOC | 11 +1 HELOCs |
1.2% | 84.6% | $365,909 | |
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1004 W Midland Rd, Auburn, MI 48611 A5.0 ★Texas Ratio: 6.46% |
Conventional, HELOC | 7 +2 HELOCs |
0.7% | 100% | $295,000 | View |
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2469 Cedar Street, Delhi Township, MI 48842 A-4.9 ★Texas Ratio: 16.59% |
Conventional, FHA, HELOC | 6 +1 HELOCs |
0.6% | 100% | $366,666 | View |
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455 Ada Dr Se, Ada, MI 49301 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 6 | 0.6% | 85.7% | $258,333 | View |
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2106 N Saginaw Rd, Midland, MI 48640 2660 A+5.0 ★Texas Ratio: 2.11% |
Conventional | 5 | 0.5% | 83.3% | $207,000 | View |
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1026 W Midland Rd, AUBURN, MI 48611 A+5.0 ★Texas Ratio: 4.11% |
Conventional | 5 | 0.5% | 100% | $195,000 | View |
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3233 Fairlane Dr, Allen Park, MI 48101 D3.3 ★Texas Ratio: 35.11% |
Conventional, FHA, HELOC | 3 +1 HELOCs |
0.3% | 100% | $215,000 | View |
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34100 Woodward Ave, Birmingham, MI 48009 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 3 | 0.3% | 100% | $111,666 | View |
Financial Plus Credit Union
4129 N Euclid Ave, Bay City, MI 48706 |
Conventional | 3 | 0.3% | 100% | $115,000 | |
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2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54% |
Conventional, HELOC | 2 +8 HELOCs |
0.2% | 100% | $70,000 | View |
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395 Briarwood Cir, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 2 +3 HELOCs |
0.2% | 100% | $425,000 | View |
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2151 W Stadium Blvd, Ann Arbor, MI 48103 4543 A+5.0 ★Texas Ratio: 3.99% |
Conventional | 2 | 0.2% | 100% | $145,000 | View |
FinancialEdge Credit Union
1199 S Euclid Ave, Bay City, MI 48706 |
Conventional | 2 | 0.2% | 100% | $150,000 | |
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7310 Woodward Ave, Detroit, MI 48202 A+5.0 ★Texas Ratio: 4.91% |
Conventional | 2 | 0.2% | 100% | $330,000 | View |
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1616 N Saginaw Rd, Midland, MI 48640 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +2 HELOCs |
0.1% | 100% | $195,000 | 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 |
0.1% | 100% | $205,000 | View |
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2100 Executive Hills Dr, Auburn Hills, MI 48326 2947 A+5.0 ★Texas Ratio: 5.37% |
Conventional | 1 | 0.1% | 100% | $85,000 | View |
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53950 Gratiot Ave, Chesterfield, MI 48051 A5.0 ★Texas Ratio: 6.84% |
VA | 1 | 0.1% | 100% | $295,000 | View |
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2543 S Sherman Rd, Applegate, MI 48401 A+5.0 ★Texas Ratio: 0.17% |
Conventional | 1 | 0.1% | 100% | $65,000 | View |
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404 S Euclid Ave, Bay City, MI 48706 3206 A+5.0 ★Texas Ratio: 0.29% |
Conventional | 1 | 0.1% | 100% | $385,000 | View |
4Front Credit Union
515 E Cayuga St, Bellaire, MI 49615 |
Conventional | 1 | 0.1% | 100% | $155,000 | |
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1479 Straits Dr, Bay City, MI 48706 A+5.0 ★Texas Ratio: 4.72% |
Conventional | 1 | 0.1% | 100% | $65,000 | View |
Community Financial
12483 State St, Atlanta, MI 49709 |
Conventional | 1 | 0.1% | 100% | $195,000 | |
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1253 Lincoln Rd, Allegan, MI 49010 A+5.0 ★Texas Ratio: 5.27% |
Conventional | 1 | 0.1% | 100% | $255,000 | View |
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314 E Midland St, Bay City, MI 48706 A5.0 ★Texas Ratio: 6.25% |
Conventional | 1 | 0.1% | 100% | $75,000 | View |
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1515 S Main St, Eaton Rapids, MI 48827 1951 A+5.0 ★Texas Ratio: 3.02% |
Conventional | 1 | 0.1% | 100% | $215,000 | View |
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6900 Midland Rd, Freeland, MI 48623 8759 A5.0 ★Texas Ratio: 11.67% |
Conventional | 1 | 0.1% | 100% | $55,000 | View |
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8301 Byron Center Ave Sw, Byron Center, MI 49315 A+5.0 ★Texas Ratio: 0.48% |
Conventional | 1 | 0.1% | 100% | $615,000 | View |
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2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54% |
Conventional | 1 | 0.1% | 100% | $175,000 | View |
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2910 Carpenter Rd, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 1.86% |
Conventional | 1 | 0.1% | 100% | $155,000 | View |
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201 S Superior Ave, Baraga, MI 49908 A+5.0 ★Texas Ratio: 4.32% |
Conventional | 1 | 0.1% | 100% | $215,000 | View |
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1309 N Lincoln St, Bay City, MI 48708 6172 A5.0 ★Texas Ratio: 6.23% |
Conventional | 1 | 0.1% | 50% | $155,000 | View |
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455 E Eisenhower Pkwy, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
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3333 Deposit Dr Ne, Grand Rapids, MI 49546 A5.0 ★Texas Ratio: 8.47% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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5750 Baypointe Blvd, Clarkston, MI 48346 3192 A+5.0 ★Texas Ratio: 4.06% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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3501 Hamlin Rd, Auburn Hills, MI 48326 A+5.0 ★Texas Ratio: 0.54% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Rocket Mortgage
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Conventional, FHA, VA | 115 | 12.1% | 82.9% | $229,608 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 105 +1 HELOCs |
11% | 97.3% | $240,333 | |
Staunton Financial Inc
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Conventional, FHA, VA, USDA | 55 | 5.8% | 96.5% | $229,545 | |
Mortgage 1 Incorporated
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Conventional, FHA | 8 | 0.8% | 100% | $291,250 | |
BLG Holdings, LLC
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Conventional, FHA, VA | 8 | 0.8% | 100% | $235,000 | |
GreenStone Farm Credit Services
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Conventional, Jumbo | 5 | 0.5% | 100% | $459,000 | |
Mortgage Center LC
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Conventional | 4 | 0.4% | 100% | $257,500 | |
Success Mortgage Partners, Inc
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FHA, VA | 3 | 0.3% | 100% | $241,666 | |
Ross Mortgage Corporation
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Conventional | 2 | 0.2% | 100% | $225,000 | |
Health Advantage Federal Credi
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Conventional | 2 | 0.2% | 100% | $50,000 | |
Great Lakes Federal Credit Uni
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Conventional | 1 | 0.1% | 100% | $65,000 | |
Gold Star Mortgage Financial Group, Corporation
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Conventional | 1 | 0.1% | 100% | $55,000 | |
Msu Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 0.00% |
Conventional, FHA, VA | 47 | 4.9% | 98% | $251,382 | View |
Guaranteed Rate, Inc.
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Conventional, FHA, VA | 25 | 2.6% | 92.6% | $229,800 | |
Mortgage Research Center
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Conventional, VA | 25 | 2.6% | 75.8% | $231,000 | |
Freedom Mortgage Corporation
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FHA, VA | 14 | 1.5% | 83.3% | $242,857 | |
Das Acquisition Company, LLC
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Conventional, FHA | 11 | 1.2% | 100% | $239,545 | |
Navy Federal Credit Union
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Conventional, VA, HELOC | 9 +4 HELOCs |
0.9% | 100% | $219,444 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 9 | 0.9% | 69.2% | $223,888 | |
Geneva Financial LLC
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Conventional, FHA | 9 | 0.9% | 100% | $148,333 | |
Nationstar Mortgage
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Conventional | 9 | 0.9% | 90% | $155,000 | |
Guild Mortgage Company
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Conventional, FHA, VA | 8 | 0.8% | 100% | $240,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 5 | 0.5% | 100% | $329,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 5 | 0.5% | 71.4% | $365,000 | View |
Royal United Mortgage LLC
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Conventional | 4 | 0.4% | 100% | $87,500 | |
Newrez LLC
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Conventional, FHA, VA | 4 | 0.4% | 100% | $235,000 | |
loanDepot.com LLC
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Conventional, FHA | 4 | 0.4% | 66.7% | $132,500 | |
Union Home Mortgage Corp.
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Conventional, FHA, VA | 4 | 0.4% | 100% | $290,000 | |
Carrington Mortgage Services LLC
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FHA, VA | 4 | 0.4% | 71.4% | $152,500 | |
Goodleap, LLC
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FHA, HELOC | 3 +5 HELOCs |
0.3% | 75% | $218,333 | |
Spring Eq, LLC
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Conventional, HELOC | 3 +2 HELOCs |
0.3% | 57.1% | $78,333 | |
Gvc Mortgage, Inc.
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Conventional | 3 | 0.3% | 100% | $181,666 | |
Discover Bank
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Conventional | 3 | 0.3% | 50% | $45,000 | |
Planet Home Lending, LLC
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Conventional, FHA, VA | 3 | 0.3% | 100% | $105,000 | |
21St Mortgage
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Conventional | 3 | 0.3% | 50% | $48,333 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 3 | 0.3% | 80% | $85,000 | View |
American Financial Resources LLC
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FHA, VA | 2 | 0.2% | 100% | $230,000 | |
Everett Financial, Inc.
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FHA | 2 | 0.2% | 100% | $390,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 2 | 0.2% | 25% | $70,000 | |
Nbkc Bank
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Conventional, VA | 2 | 0.2% | 100% | $320,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 2 | 0.2% | 100% | $295,000 | |
Triad Financial Services, Inc.
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Conventional | 2 | 0.2% | 37.5% | $75,000 | |
PHH Mortgage Corporation
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Conventional, VA | 2 | 0.2% | 100% | $230,000 | |
Loanunited.Com, LLC
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Conventional, FHA | 2 | 0.2% | 100% | $170,000 | |
Amerisave Mortgage Company
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Conventional, VA | 2 | 0.2% | 16.7% | $170,000 | |
Highlands Residential Mortgage, Ltd.
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Conventional | 2 | 0.2% | 100% | $195,000 | |
New Day Financial, LLC.
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VA | 2 | 0.2% | 40% | $240,000 | |
Zillow Home Loans, LLC
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Conventional, FHA | 2 | 0.2% | 100% | $150,000 | |
Texana Bank
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Conventional | 2 | 0.2% | 100% | $130,000 | |
Southwest Funding LP
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Conventional, FHA | 2 | 0.2% | 100% | $200,000 | |
Village Capital & Investment
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VA | 2 | 0.2% | 66.7% | $155,000 | |
The Loan Store, Inc
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Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $425,000 | |
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A5.0 ★Texas Ratio: 13.21% |
VA | 1 | 0.1% | 100% | $495,000 | View |
Cornerstone First Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $255,000 | |
Consumer Real Estate Finance Co DBA Society Mortgage
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FHA | 1 | 0.1% | 100% | $215,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.1% | 100% | $145,000 | |
Primelending
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Conventional | 1 | 0.1% | 100% | $455,000 | |
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A5.0 ★Texas Ratio: 12.58% |
Conventional | 1 | 0.1% | 100% | $345,000 | View |
Guidance Residential, LLC
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Conventional | 1 | 0.1% | 100% | $275,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
FHA | 1 | 0.1% | 100% | $75,000 | View |
Filo Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $225,000 | |
AmWest Funding Corp
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Conventional | 1 | 0.1% | 100% | $335,000 | |
Bayshore Mortgage Funding
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VA | 1 | 0.1% | 100% | $315,000 | |
Sun West Mortgage Company, Inc
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FHA | 1 | 0.1% | 100% | $255,000 | |
ClearPath Lending
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VA | 1 | 0.1% | 100% | $255,000 | |
SIRVA Mortgage, Inc.
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VA | 1 | 0.1% | 100% | $325,000 | |
Home Mortgage Advisors, LLC
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Conventional | 1 | 0.1% | 100% | $455,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.1% | 100% | $445,000 | |
Beeline Loans, Inc.
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Conventional | 1 | 0.1% | 100% | $275,000 | |
Mortgage300 Corporation
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Conventional | 1 | 0.1% | 100% | $195,000 | |
Provident Funding Associates
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Conventional | 1 | 0.1% | 100% | $555,000 | |
BoxCar Mortgage, LLC
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FHA | 1 | 0.1% | 100% | $285,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $245,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.1% | 100% | $275,000 | View |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.1% | 100% | $525,000 | View |
Milend, Inc
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Conventional | 1 | 0.1% | 100% | $115,000 | |
RoundPoint Mortgage Servicing LLC
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Conventional | 1 | 0.1% | 100% | $295,000 | |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional | 1 | 0.1% | 100% | $305,000 | View |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.1% | 100% | $285,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional | 1 | 0.1% | 100% | $25,000 | View |
Summit Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $275,000 | |
Angel Oak Mortgage Solutions LLC
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Conventional | 1 | 0.1% | 100% | $165,000 | |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 0.1% | 100% | $225,000 | |
Cake Mortgage Corp.
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Conventional | 1 | 0.1% | 100% | $175,000 | |
Figure Lending LLC
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HELOC | 0 +11 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +5 HELOCs |
0% | n/a | ||
Georgia'S Own Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Midland 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 Midland, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Midland? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Midland in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Midland, MI
Use these to narrow the list above. Each category shows how many Midland, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Midland, MI
Independent mortgage companies closed 53.1 percent of home loans in Midland, Michigan in 2025, banks 21.8 percent and credit unions 25.1 percent. Towne Mortgage Company was the largest mortgage company, Huntington National Bank the largest bank and Dow Credit Union the largest credit union. Among lenders headquartered in Michigan, Dow Credit Union led with 88 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 Midland, MI
By home loans closed in 2025, Dow Credit Union was the largest mortgage lender in Midland, Michigan with 88 loans, about 9.2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Midland, Michigan, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 97.3 percent, against a 87.9 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.
33 lenders closed FHA loans in Midland, Michigan in 2025, led by Rocket Mortgage with 17. 29 lenders closed VA loans, led by Mortgage Research Center, 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. 35 banks and 32 credit unions closed home loans in Midland, Michigan in 2025, alongside 72 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 Midland, 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 Midland, 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 Midland. 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.
