Mortgage Lenders and Brokers in Niles, 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
Niles, Michigan mortgage lenders include Fifth Third Bank, National AssociationFifth Third Bank, National Association322 Broadway St, Niles, MI 49120A+5.0 ★Texas Ratio: 3.22%, 1St Source Bank1St Source Bank306 E Main St Ste 100, Niles, MI 49120A+5.0 ★Texas Ratio: 5.01%, Huntington National BankHuntington National Bank2245 N 5th St, Niles, MI 49120A+5.0 ★Texas Ratio: 3.66%, Old National BankOld National Bank1903 S 11th St, Niles, MI 49120A+5.0 ★Texas Ratio: 4.98%, Sturgis Bank & TrustSturgis Bank & Trust929 S 11th St, Niles, MI 49120A5.0 ★Texas Ratio: 9.46%, United Federal Credit UnionUnited Federal Credit Union123 Sycamore St, Niles, MI 49120 2244A+5.0 ★Texas Ratio: 4.11%, Honor Credit UnionHonor Credit Union1010 Moore St, Niles, MI 49120A+5.0 ★Texas Ratio: 5.27%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA455 Ada Dr Se, Ada, MI 49301A+5.0 ★Texas Ratio: 3.68%, Consumers Credit UnionConsumers Credit Union6081 B Dr N, Battle Creek, MI 49014 8367A+5.0 ★Texas Ratio: 3.56%, and Horizon BankHorizon Bank144 W Huron Rd, Au Gres, MI 48703A+5.0 ★Texas Ratio: 4.40%. 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 Niles, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Niles 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 Niles, Michigan
Market share is the lender's share of all home loans closed in Niles, Michigan. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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1 office in Niles 322 Broadway St, Niles, MI 49120 A+5.0 ★Texas Ratio: 3.22% |
Conventional, VA, HELOC | 12 +18 HELOCs |
3.5% | 75% | $108,333 | View |
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2 offices in Niles 306 E Main St Ste 100, Niles, MI 49120 A+5.0 ★Texas Ratio: 5.01% |
Conventional, HELOC | 7 +12 HELOCs |
2% | 87.5% | $142,142 | View |
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1 office in Niles 2245 N 5th St, Niles, MI 49120 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, HELOC | 6 +23 HELOCs |
1.8% | 54.5% | $170,000 | View |
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1 office in Niles 1903 S 11th St, Niles, MI 49120 A+5.0 ★Texas Ratio: 4.98% |
Conventional, HELOC | 3 +5 HELOCs |
0.9% | 100% | $135,000 | View |
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1 office in Niles 929 S 11th St, Niles, MI 49120 A5.0 ★Texas Ratio: 9.46% |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 100% | $175,000 | View |
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123 Sycamore St, Niles, MI 49120 2244 A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA, HELOC | 38 +38 HELOCs |
11.1% | 86.7% | $153,157 | View |
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1010 Moore St, Niles, MI 49120 A+5.0 ★Texas Ratio: 5.27% |
Conventional, HELOC | 32 +10 HELOCs |
9.4% | 80% | $134,062 | View |
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455 Ada Dr Se, Ada, MI 49301 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 6 | 1.8% | 75% | $200,000 | View |
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6081 B Dr N, Battle Creek, MI 49014 8367 A+5.0 ★Texas Ratio: 3.56% |
Conventional | 3 | 0.9% | 100% | $195,000 | View |
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144 W Huron Rd, Au Gres, MI 48703 A+5.0 ★Texas Ratio: 4.40% |
Conventional, HELOC | 2 +1 HELOCs |
0.6% | 50% | $155,000 | View |
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1352 S Main St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 4.81% |
Conventional | 2 | 0.6% | 100% | $215,000 | View |
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455 E Eisenhower Pkwy, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $85,000 | View |
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395 Briarwood Cir, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.3% | 100% | $255,000 | View |
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101 W Monroe St, Bangor, MI 49013 A+5.0 ★Texas Ratio: 2.36% |
Conventional | 1 | 0.3% | 100% | $15,000 | View |
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1380 S Main St, Adrian, MI 49221 B-4.3 ★Texas Ratio: 23.94% |
Conventional | 1 | 0.3% | 100% | $115,000 | View |
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41 2nd St, Battle Creek, MI 49014 6286 A+5.0 ★Texas Ratio: 1.68% |
Conventional | 1 | 0.3% | 100% | $135,000 | View |
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230 Woodworth Ave, Alma, MI 48801 A+5.0 ★Texas Ratio: 0.63% |
FHA | 1 | 0.3% | 100% | $215,000 | View |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
Conventional | 1 | 0.3% | 100% | $215,000 | |
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2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54% |
Conventional | 1 | 0.3% | 100% | $145,000 | View |
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5350 Beckley Road B Drive North, Battle Creek, MI 49015 A5.0 ★Texas Ratio: 8.82% |
Conventional | 1 | 0.3% | 100% | $195,000 | View |
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241 E Saginaw St, East Lansing, MI 48823 B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.3% | 100% | $75,000 | View |
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7200 KALAMAZOO AVE SE, CALEDONIA, MI 49316 A5.0 ★Texas Ratio: 12.10% |
Conventional | 1 | 0.3% | 100% | $75,000 | View |
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★ 1.7 stars, 3 reviews 855 Marshall St, Allegan, MI 49010 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Rocket Mortgage
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Conventional, FHA, VA | 28 | 8.2% | 75% | $168,928 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 9 | 2.6% | 52.9% | $269,444 | |
Legacy Mortgage
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Conventional, FHA | 2 | 0.6% | 100% | $175,000 | |
Msu Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $185,000 | |
Mortgage 1 Incorporated
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FHA | 1 | 0.3% | 100% | $125,000 | |
GreenStone Farm Credit Services
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Conventional | 1 | 0.3% | 100% | $555,000 | |
Top Flite Financial, Inc.
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FHA | 1 | 0.3% | 100% | $195,000 | |
Ruoff Mortgage Company
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Conventional, FHA | 40 | 11.7% | 89.6% | $167,000 | |
Union Home Mortgage Corp.
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Conventional, FHA, VA | 21 | 6.1% | 100% | $215,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 12 | 3.5% | 80% | $250,833 | |
Notre Dame Federal Credit Union
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Conventional, HELOC | 11 +9 HELOCs |
3.2% | 91.7% | $212,272 | |
Everwise Credit Union
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Conventional, HELOC | 7 +10 HELOCs |
2% | 63.6% | $199,285 | |
Mortgage Research Center
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VA | 7 | 2% | 77.8% | $173,571 | |
Fairway Independent Mort Corp
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Conventional, FHA | 6 | 1.8% | 100% | $173,333 | |
Carrington Mortgage Services LLC
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Conventional, FHA | 6 | 1.8% | 54.5% | $188,333 | |
Navy Federal Credit Union
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Conventional, VA, HELOC | 5 +1 HELOCs |
1.5% | 71.4% | $247,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 5 | 1.5% | 100% | $293,000 | |
Originpoint, LLC
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Conventional, FHA, VA | 4 | 1.2% | 100% | $252,500 | |
Cardinal Financial Company, Li
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Conventional, FHA | 4 | 1.2% | 85.7% | $137,500 | |
loanDepot.com LLC
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Conventional, FHA | 3 | 0.9% | 33.3% | $95,000 | |
Nationstar Mortgage
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Conventional | 3 | 0.9% | 100% | $68,333 | |
Contour Mortgage Corporation
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Conventional | 2 | 0.6% | 100% | $60,000 | |
Amerisave Mortgage Company
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Conventional, FHA | 2 | 0.6% | 28.6% | $110,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 2 | 0.6% | 100% | $175,000 | View |
Prosperity Home Mortgage, LLC
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Conventional, VA | 2 | 0.6% | 100% | $175,000 | |
New American Funding, LLC.
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FHA | 2 | 0.6% | 50% | $195,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional, FHA | 2 | 0.6% | 100% | $95,000 | View |
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A+5.0 ★Texas Ratio: 2.66% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $325,000 | View |
Royal United Mortgage LLC
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Conventional | 1 | 0.3% | 100% | $75,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.3% | 100% | $105,000 | View |
Everett Financial, Inc.
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FHA | 1 | 0.3% | 100% | $215,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.3% | 33.3% | $185,000 | |
Freedom Mortgage Corporation
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FHA | 1 | 0.3% | 25% | $95,000 | |
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A+5.0 ★Texas Ratio: 4.31% |
Conventional | 1 | 0.3% | 100% | $195,000 | View |
Newrez LLC
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Conventional | 1 | 0.3% | 50% | $55,000 | |
Gvc Mortgage, Inc.
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Conventional | 1 | 0.3% | 100% | $75,000 | |
Nbkc Bank
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Conventional | 1 | 0.3% | 100% | $95,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 0.3% | 50% | $115,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $75,000 | |
Pennymac Loan Services LLC
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FHA | 1 | 0.3% | 50% | $105,000 | |
American Financial Network, Inc.
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Conventional | 1 | 0.3% | 100% | $205,000 | |
PFN Lending Group, Inc.
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FHA | 1 | 0.3% | 100% | $135,000 | |
Sun West Mortgage Company, Inc
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VA | 1 | 0.3% | 100% | $225,000 | |
Oceanside Mortgage Company
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FHA | 1 | 0.3% | 100% | $115,000 | |
New Day Financial, LLC.
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VA | 1 | 0.3% | 100% | $165,000 | |
Shoreham Bank
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FHA | 1 | 0.3% | 100% | $25,000 | |
Covantage Credit Union
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Conventional | 1 | 0.3% | 100% | $125,000 | |
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A5.0 ★Texas Ratio: 6.90% |
Conventional | 1 | 0.3% | 100% | $195,000 | View |
Pentagon Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $55,000 | |
V.I.P. Mortgage, Inc.
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VA | 1 | 0.3% | 100% | $405,000 | |
Zillow Home Loans, LLC
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FHA | 1 | 0.3% | 100% | $195,000 | |
Lower, LLC
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FHA | 1 | 0.3% | 100% | $265,000 | |
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A+5.0 ★Texas Ratio: 3.74% |
VA | 1 | 0.3% | 100% | $265,000 | View |
21St Mortgage
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Conventional | 1 | 0.3% | 100% | $45,000 | |
Reliance First Capital, LLC
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FHA | 1 | 0.3% | 100% | $315,000 | |
Spring Eq, LLC
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Conventional | 1 | 0.3% | 100% | $55,000 | |
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A5.0 ★Texas Ratio: 10.52% |
Conventional | 1 | 0.3% | 100% | $375,000 | View |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
Goodleap, LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Inova Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Better Mortgage Corporation
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
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A5.0 ★Texas Ratio: 6.45% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Niles 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 Niles, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Niles? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Niles in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Niles, MI
Use these to narrow the list above. Each category shows how many Niles, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Niles, MI
Independent mortgage companies closed 53.2 percent of home loans in Niles, Michigan in 2025, banks 16.7 percent and credit unions 30.1 percent. Towne Mortgage Company was the largest mortgage company, Fifth Third Bank, National Association the largest bank and United Federal Credit Union the largest credit union. Among lenders headquartered in Michigan, Sturgis Bank & Trust led with 1 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 Niles, MI
By home loans closed in 2025, Fifth Third Bank, National Association was the largest mortgage lender in Niles, Michigan with 12 loans, about 3.5 percent of the market. The largest lender headquartered in Michigan was Sturgis Bank & Trust with 1 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
29 lenders closed FHA loans in Niles, Michigan in 2025, led by Ruoff Mortgage Company with 13. 14 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. 27 banks and 15 credit unions closed home loans in Niles, Michigan in 2025, alongside 47 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 Niles, 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 Niles, 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 Niles. 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.
