Mortgage Lenders and Brokers in Muskegon, 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
Muskegon, Michigan mortgage lenders include Fifth Third Bank, National AssociationFifth Third Bank, National Association2133 E Apple Ave, Muskegon, MI 49442A+5.0 ★Texas Ratio: 3.22%, Huntington National BankHuntington National Bank1 W Webster Ave, Muskegon, MI 49440A+5.0 ★Texas Ratio: 3.66%, Route 31 Federal Credit UnionRoute 31 Federal Credit Union715 Terrace St, Muskegon, MI 49440A+5.0 ★Texas Ratio: 1.80%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA2855 Henry St, Muskegon, MI 49441A+5.0 ★Texas Ratio: 3.68%, ChoiceOne BankChoiceOne Bank5797 Harvey St, Muskegon, MI 49444A+5.0 ★Texas Ratio: 5.45%, Family Financial Credit UnionFamily Financial Credit Union844 1st St, Muskegon, MI 49440 1125A+5.0 ★Texas Ratio: 4.26%, PNC Bank N.A.PNC Bank N.A.1453 E Laketon Ave, Muskegon, MI 49442A+5.0 ★Texas Ratio: 4.24%, The Shelby State BankThe Shelby State Bank2222 Holton Road, Dalton Township, MI 49445A+5.0 ★Texas Ratio: 0.91%, Best Financial Credit UnionBest Financial Credit Union1888 E Sherman Blvd, Muskegon, MI 49444 1822A5.0 ★Texas Ratio: 8.29%, and Independent BankIndependent Bank3251 Henry St, Muskegon, MI 49441A5.0 ★Texas Ratio: 6.46%. 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 Muskegon, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Muskegon 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 Muskegon, Michigan
Market share is the lender's share of all home loans closed in Muskegon, 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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5 offices in Muskegon 2133 E Apple Ave, Muskegon, MI 49442 A+5.0 ★Texas Ratio: 3.22% |
Conventional, FHA, VA, HELOC | 24 +22 HELOCs |
3% | 64.1% | $109,166 | View |
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2 offices in Muskegon 1 W Webster Ave, Muskegon, MI 49440 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, VA, HELOC | 19 +26 HELOCs |
2.4% | 73.1% | $198,684 | View |
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715 Terrace St, Muskegon, MI 49440 A+5.0 ★Texas Ratio: 1.80% |
Conventional | 13 | 1.6% | 59.1% | $59,615 | View |
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1 office in Muskegon 2855 Henry St, Muskegon, MI 49441 A+5.0 ★Texas Ratio: 3.68% |
Conventional, VA, HELOC | 10 +1 HELOCs |
1.3% | 78.6% | $170,000 | View |
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3 offices in Muskegon 5797 Harvey St, Muskegon, MI 49444 A+5.0 ★Texas Ratio: 5.45% |
Conventional | 10 | 1.3% | 83.3% | $149,000 | View |
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844 1st St, Muskegon, MI 49440 1125 A+5.0 ★Texas Ratio: 4.26% |
Conventional | 6 | 0.8% | 54.5% | $31,666 | View |
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★ 1.7 stars, 3 reviews 3 offices in Muskegon 1453 E Laketon Ave, Muskegon, MI 49442 A+5.0 ★Texas Ratio: 4.24% |
Conventional, FHA, HELOC | 5 +17 HELOCs |
0.6% | 100% | $161,000 | View |
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1 office in Muskegon 2222 Holton Road, Dalton Township, MI 49445 A+5.0 ★Texas Ratio: 0.91% |
Conventional | 4 | 0.5% | 100% | $247,500 | View |
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1888 E Sherman Blvd, Muskegon, MI 49444 1822 A5.0 ★Texas Ratio: 8.29% |
Conventional, HELOC | 3 +2 HELOCs |
0.4% | 100% | $131,666 | View |
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1 office in Muskegon 3251 Henry St, Muskegon, MI 49441 A5.0 ★Texas Ratio: 6.46% |
Conventional, Jumbo, HELOC | 2 +2 HELOCs |
0.3% | 66.7% | $460,000 | View |
Lake Michigan Credit Union
1619 E Mount Garfield Rd, Muskegon, MI 49444 7763 |
Conventional, FHA, VA, HELOC | 93 +20 HELOCs |
11.7% | 90.4% | $187,688 | |
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2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54% |
Conventional, FHA | 22 | 2.8% | 100% | $134,090 | View |
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1818 E Sherman Blvd, Muskegon, MI 49444 1822 A+5.0 ★Texas Ratio: 3.56% |
Conventional, HELOC | 16 +6 HELOCs |
2% | 100% | $176,875 | View |
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8301 Byron Center Ave Sw, Byron Center, MI 49315 A+5.0 ★Texas Ratio: 0.48% |
Conventional | 8 | 1% | 100% | $227,500 | View |
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904 Broadway Ave NW, Grand Rapids, MI 49504 4415 A+5.0 ★Texas Ratio: 0.81% |
Conventional | 7 | 0.9% | 77.8% | $82,142 | View |
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1624 Independence Drive Unit 1, Muskegon, MI 49444 3406 A+5.0 ★Texas Ratio: 5.61% |
Conventional, HELOC | 6 +5 HELOCs |
0.8% | 75% | $46,666 | View |
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20645 Gibraltar Rd, Brownstown Twp, MI 48183 A+5.0 ★Texas Ratio: 4.92% |
Conventional, FHA | 6 | 0.8% | 85.7% | $158,333 | View |
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230 Woodworth Ave, Alma, MI 48801 A+5.0 ★Texas Ratio: 0.63% |
Conventional, FHA, HELOC | 3 +1 HELOCs |
0.4% | 75% | $211,666 | View |
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1422 S Winter St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 4.98% |
Conventional | 3 | 0.4% | 75% | $181,666 | View |
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3333 Deposit Dr Ne, Grand Rapids, MI 49546 A5.0 ★Texas Ratio: 8.47% |
Conventional | 3 | 0.4% | 100% | $211,666 | View |
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501 Main St, Frankfort, MI 49635 A5.0 ★Texas Ratio: 10.41% |
Conventional | 2 | 0.3% | 100% | $110,000 | View |
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650 W 5th St, Clare, MI 48617 A+5.0 ★Texas Ratio: 4.54% |
Conventional | 2 | 0.3% | 100% | $210,000 | View |
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1026 W Midland Rd, AUBURN, MI 48611 A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA | 2 | 0.3% | 66.7% | $130,000 | View |
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2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54% |
Conventional | 2 | 0.3% | 100% | $85,000 | View |
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34100 Woodward Ave, Birmingham, MI 48009 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 0.3% | 100% | $215,000 | View |
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7200 KALAMAZOO AVE SE, CALEDONIA, MI 49316 A5.0 ★Texas Ratio: 12.10% |
Conventional, FHA | 2 | 0.3% | 100% | $200,000 | View |
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2133 E Apple Ave, Muskegon, MI 49442 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +3 HELOCs |
0.1% | 100% | $105,000 | View |
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4797 Cascade Rd Se, Grand Rapids, MI 49546 B+4.8 ★Texas Ratio: 17.71% |
Conventional | 1 | 0.1% | 100% | $95,000 | View |
4Front Credit Union
515 E Cayuga St, Bellaire, MI 49615 |
Conventional | 1 | 0.1% | 100% | $145,000 | |
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2469 Cedar Street, Delhi Township, MI 48842 A-4.9 ★Texas Ratio: 16.59% |
Conventional | 1 | 0.1% | 100% | $195,000 | View |
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1253 Lincoln Rd, Allegan, MI 49010 A+5.0 ★Texas Ratio: 5.27% |
Conventional | 1 | 0.1% | 100% | $75,000 | View |
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★ 1 stars, 1 review 2222 Packard St, Ann Arbor, MI 48104 6368 A5.0 ★Texas Ratio: 6.91% |
Conventional | 1 | 0.1% | 50% | $95,000 | View |
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508 State St, Fremont, MI 49412 A+5.0 ★Texas Ratio: 4.59% |
Conventional | 1 | 0.1% | 100% | $205,000 | View |
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2015 Washtenaw Ave, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 3.82% |
Conventional | 1 | 0.1% | 100% | $245,000 | View |
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144 W Huron Rd, Au Gres, MI 48703 A+5.0 ★Texas Ratio: 4.40% |
FHA | 1 | 0.1% | 100% | $205,000 | View |
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3559 Main St, Akron, MI 48701 A5.0 ★Texas Ratio: 12.49% |
Conventional | 1 | 0.1% | 100% | $115,000 | View |
Community Financial
12483 State St, Atlanta, MI 49709 |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
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455 E Eisenhower Pkwy, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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14049 Lindsey Pvt Ln, Dewitt, MI 48820 A+5.0 ★Texas Ratio: 4.17% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Rocket Mortgage
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Conventional, FHA, VA | 70 | 8.8% | 84.5% | $149,285 | |
Mortgage 1 Incorporated
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Conventional, FHA, VA | 68 | 8.6% | 100% | $180,000 | |
VanDyk Mortgage Corporation
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Conventional, FHA, VA | 68 | 8.6% | 100% | $175,147 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 46 | 5.8% | 90.2% | $218,043 | |
Success Mortgage Partners, Inc
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Conventional, FHA, VA | 13 | 1.6% | 100% | $145,000 | |
Michigan Mutual, Inc
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Conventional, FHA | 8 | 1% | 100% | $82,500 | |
Mortgage Center LC
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Conventional | 4 | 0.5% | 100% | $140,000 | |
MMS Mortgage Services, Ltd.
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Conventional, FHA | 4 | 0.5% | 100% | $172,500 | |
Top Flite Financial, Inc.
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FHA | 4 | 0.5% | 100% | $167,500 | |
Northern Mortgage Services, LLC
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Conventional, FHA | 3 | 0.4% | 100% | $195,000 | |
Legacy Mortgage
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FHA | 2 | 0.3% | 100% | $185,000 | |
Polish-Am Federal Credit Union
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Conventional | 1 | 0.1% | 100% | $125,000 | |
Staunton Financial Inc
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FHA | 1 | 0.1% | 100% | $195,000 | |
Msu Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Leaderone Financial Corp.
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Conventional, FHA | 23 | 2.9% | 95.8% | $164,565 | |
T2 Financial LLC
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Conventional, FHA, VA | 21 | 2.6% | 95.7% | $165,000 | |
Mortgage Research Center
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VA | 12 | 1.5% | 75% | $200,000 | |
American Pacific Mortgage Corporation
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Conventional, FHA | 9 | 1.1% | 81.8% | $141,666 | |
Ruoff Mortgage Company
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Conventional, FHA | 8 | 1% | 100% | $161,250 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 8 | 1% | 92.3% | $190,000 | |
Amerisave Mortgage Company
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Conventional, FHA, HELOC | 7 +1 HELOCs |
0.9% | 38.9% | $102,142 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 7 | 0.9% | 87.5% | $196,428 | |
AmeriHome Mortgage Company, LLC
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Conventional, FHA | 6 | 0.8% | 100% | $210,000 | |
Guild Mortgage Company
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Conventional, FHA, VA | 6 | 0.8% | 100% | $140,000 | |
Nationstar Mortgage
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Conventional | 6 | 0.8% | 75% | $103,333 | |
Ark-La-Tex Financial Services LLC
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Conventional, FHA, VA | 6 | 0.8% | 100% | $170,000 | |
Navy Federal Credit Union
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Conventional, VA, HELOC | 5 +1 HELOCs |
0.6% | 83.3% | $191,000 | |
American Financial Resources LLC
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Conventional, FHA | 5 | 0.6% | 83.3% | $173,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 5 | 0.6% | 100% | $143,000 | |
Union Home Mortgage Corp.
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Conventional, VA | 5 | 0.6% | 83.3% | $237,000 | |
New American Funding, LLC.
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FHA | 4 | 0.5% | 100% | $130,000 | |
Fairway Independent Mort Corp
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Conventional, FHA | 4 | 0.5% | 100% | $162,500 | |
loanDepot.com LLC
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Conventional, FHA, HELOC | 3 +1 HELOCs |
0.4% | 30% | $121,666 | |
Guaranteed Rate, Inc.
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Conventional | 3 | 0.4% | 100% | $105,000 | |
Newrez LLC
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Conventional, FHA, VA | 3 | 0.4% | 30% | $188,333 | |
Planet Home Lending, LLC
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Conventional, FHA | 3 | 0.4% | 100% | $151,666 | |
Carrington Mortgage Services LLC
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Conventional, FHA | 3 | 0.4% | 37.5% | $128,333 | |
Royal United Mortgage LLC
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Conventional | 2 | 0.3% | 66.7% | $50,000 | |
Neighborhood Loans, Inc
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Conventional | 2 | 0.3% | 50% | $5,000 | |
Goodleap, LLC
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Conventional, VA | 2 | 0.3% | 100% | $175,000 | |
Everett Financial, Inc.
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Conventional | 2 | 0.3% | 100% | $100,000 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA | 2 | 0.3% | 33.3% | $190,000 | |
Canopy Mortgage, LLC
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Conventional | 2 | 0.3% | 100% | $180,000 | |
Equity Prime Mortgage LLC
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FHA | 2 | 0.3% | 100% | $120,000 | |
Triad Financial Services, Inc.
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Conventional | 2 | 0.3% | 80% | $70,000 | |
Movement Mortgage, LLC
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Conventional | 2 | 0.3% | 66.7% | $350,000 | |
AdvantageFirst Lending Inc
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Conventional, FHA | 2 | 0.3% | 100% | $190,000 | |
American Financial Network, Inc.
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Conventional, FHA | 2 | 0.3% | 100% | $130,000 | |
Churchill Mortgage Corporation
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Conventional, FHA | 2 | 0.3% | 100% | $220,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional, VA | 2 | 0.3% | 100% | $200,000 | View |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.3% | 100% | $265,000 | View |
Zillow Home Loans, LLC
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FHA | 2 | 0.3% | 100% | $115,000 | |
Prosperity Home Mortgage, LLC
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Conventional, VA | 2 | 0.3% | 100% | $265,000 | |
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A+5.0 ★Texas Ratio: 2.43% |
Conventional | 2 | 0.3% | 100% | $400,000 | View |
21St Mortgage
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Conventional | 2 | 0.3% | 40% | $40,000 | |
Spring Eq, LLC
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Conventional | 2 | 0.3% | 66.7% | $50,000 | |
Village Capital & Investment
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FHA | 2 | 0.3% | 50% | $200,000 | |
Panorama Mortgage Group, LLC
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FHA | 1 | 0.1% | 100% | $235,000 | |
Consumer Real Estate Finance Co DBA Society Mortgage
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FHA | 1 | 0.1% | 25% | $95,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
FHA | 1 | 0.1% | 50% | $165,000 | View |
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A+5.0 ★Texas Ratio: 4.31% |
Conventional | 1 | 0.1% | 100% | $345,000 | View |
PHH Mortgage Corporation
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VA | 1 | 0.1% | 100% | $155,000 | |
PFN Lending Group, Inc.
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FHA | 1 | 0.1% | 100% | $135,000 | |
Sun West Mortgage Company, Inc
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FHA | 1 | 0.1% | 100% | $155,000 | |
New Day Financial, LLC.
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VA | 1 | 0.1% | 25% | $95,000 | |
Mortgage Solutions of Colorado
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VA | 1 | 0.1% | 100% | $205,000 | |
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A+5.0 ★Texas Ratio: 0.94% |
Conventional | 1 | 0.1% | 100% | $175,000 | View |
The Loan Store, Inc
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Conventional | 1 | 0.1% | 100% | $105,000 | |
Reliance First Capital, LLC
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FHA | 1 | 0.1% | 100% | $115,000 | |
Texana Bank
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FHA | 1 | 0.1% | 100% | $195,000 | |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.1% | 100% | $305,000 | |
Tammac Holdings Corporation
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Conventional | 1 | 0.1% | 100% | $85,000 | |
Figure Lending LLC
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HELOC | 0 +6 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Kind Lending, LLC
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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 | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Muskegon 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 Muskegon, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Muskegon? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Muskegon in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Muskegon, MI
Use these to narrow the list above. Each category shows how many Muskegon, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Muskegon, MI
Independent mortgage companies closed 64.9 percent of home loans in Muskegon, Michigan in 2025, banks 13.5 percent and credit unions 21.7 percent. Towne Mortgage Company was the largest mortgage company, Fifth Third Bank, National Association the largest bank and Route 31 Federal Credit Union the largest credit union. Among lenders headquartered in Michigan, Route 31 Federal Credit Union led with 13 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 Muskegon, MI
By home loans closed in 2025, Fifth Third Bank, National Association was the largest mortgage lender in Muskegon, Michigan with 24 loans, about 3 percent of the market. The largest lender headquartered in Michigan was Route 31 Federal Credit Union with 13 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Muskegon, Michigan, Mortgage 1 Incorporated approved the highest share of completed applications in 2025 at 100 percent, against a 84.8 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.
53 lenders closed FHA loans in Muskegon, Michigan in 2025, led by VanDyk Mortgage Corporation with 38. 24 lenders closed VA loans, led by Mortgage Research Center. 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. 28 banks and 23 credit unions closed home loans in Muskegon, Michigan in 2025, alongside 68 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 Muskegon, 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 Muskegon, 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 Muskegon. 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.
