Mortgage Lenders and Brokers in Owosso, 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
Owosso, Michigan mortgage lenders include Fifth Third Bank, National AssociationFifth Third Bank, National Association2350 E M 21, Owosso, MI 48867A+5.0 ★Texas Ratio: 3.22%, Huntington National BankHuntington National Bank301 S Washington St, Owosso, MI 48867A+5.0 ★Texas Ratio: 3.66%, Horizon BankHorizon Bank1345 E M 21, Owosso, MI 48867A+5.0 ★Texas Ratio: 4.40%, Citizens Bank, NACitizens Bank, NA910 E Main St, Owosso, MI 48867A+5.0 ★Texas Ratio: 5.44%, LafcuLafcu1720 W M 21, Owosso, MI 48867A+5.0 ★Texas Ratio: 1.86%, PfcuPfcu1465 N M 52 Michigan 52, Owosso, MI 48867A+5.0 ★Texas Ratio: 2.00%, Dart BankDart Bank2469 Cedar Street, Delhi Township, MI 48842A-4.9 ★Texas Ratio: 16.59%, Lake Michigan Credit UnionLake Michigan Credit Union496 Ada Dr SE STE 103, Ada, MI 49301, Flagstar Bank NAFlagstar Bank NA3233 Fairlane Dr, Allen Park, MI 48101D3.3 ★Texas Ratio: 35.11%, and Security Credit UnionSecurity Credit Union1400 E M 21, Owosso, MI 48867A+5.0 ★Texas Ratio: 5.96%. 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 Owosso, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Owosso 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 Owosso, Michigan
Market share is the lender's share of all home loans closed in Owosso, 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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2 offices in Owosso 2350 E M 21, Owosso, MI 48867 A+5.0 ★Texas Ratio: 3.22% |
Conventional, FHA, VA, HELOC | 18 +12 HELOCs |
4.5% | 75% | $95,555 | View |
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2 offices in Owosso 301 S Washington St, Owosso, MI 48867 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, USDA, HELOC | 7 +10 HELOCs |
1.8% | 61.5% | $139,285 | View |
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1 office in Owosso 1345 E M 21, Owosso, MI 48867 A+5.0 ★Texas Ratio: 4.40% |
Conventional, HELOC | 2 +2 HELOCs |
0.5% | 66.7% | $80,000 | View |
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1 office in Owosso 910 E Main St, Owosso, MI 48867 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 1 +17 HELOCs |
0.3% | 50% | $95,000 | View |
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1720 W M 21, Owosso, MI 48867 A+5.0 ★Texas Ratio: 1.86% |
Conventional | 11 | 2.8% | 81.2% | $93,181 | View |
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1465 N M 52 Michigan 52, Owosso, MI 48867 A+5.0 ★Texas Ratio: 2.00% |
Conventional, USDA | 9 | 2.3% | 90% | $70,555 | View |
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2469 Cedar Street, Delhi Township, MI 48842 A-4.9 ★Texas Ratio: 16.59% |
Conventional, VA, HELOC | 6 +1 HELOCs |
1.5% | 75% | $183,333 | View |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
Conventional, HELOC | 4 +1 HELOCs |
1% | 100% | $135,000 | |
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3233 Fairlane Dr, Allen Park, MI 48101 D3.3 ★Texas Ratio: 35.11% |
Conventional, FHA | 4 | 1% | 57.1% | $172,500 | View |
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1400 E M 21, Owosso, MI 48867 A+5.0 ★Texas Ratio: 5.96% |
Conventional | 4 | 1% | 85.7% | $75,000 | View |
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2267 E M 21, Owosso, MI 48867 A5.0 ★Texas Ratio: 8.18% |
Conventional | 4 | 1% | 100% | $132,500 | View |
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53950 Gratiot Ave, Chesterfield, MI 48051 A5.0 ★Texas Ratio: 6.84% |
Conventional | 2 | 0.5% | 100% | $155,000 | View |
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3333 Deposit Dr Ne, Grand Rapids, MI 49546 A5.0 ★Texas Ratio: 8.47% |
Conventional, FHA | 2 | 0.5% | 100% | $90,000 | View |
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3082 Coolidge Hwy, Berkley, MI 48072 A+5.0 ★Texas Ratio: 5.97% |
Conventional | 2 | 0.5% | 100% | $85,000 | View |
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6081 B Dr N, Battle Creek, MI 49014 8367 A+5.0 ★Texas Ratio: 3.56% |
Conventional | 2 | 0.5% | 100% | $170,000 | View |
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1006 E M 21, OWOSSO, MI 48867 9007 A+5.0 ★Texas Ratio: 4.06% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $205,000 | View |
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455 Ada Dr Se, Ada, MI 49301 A+5.0 ★Texas Ratio: 3.68% |
FHA | 1 | 0.3% | 100% | $115,000 | View |
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2151 W Stadium Blvd, Ann Arbor, MI 48103 4543 A+5.0 ★Texas Ratio: 3.99% |
FHA | 1 | 0.3% | 100% | $165,000 | View |
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7130 Allen Rd, Allen Park, MI 48101 A+5.0 ★Texas Ratio: 1.86% |
Conventional | 1 | 0.3% | 100% | $135,000 | View |
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1479 Straits Dr, Bay City, MI 48706 A+5.0 ★Texas Ratio: 4.72% |
Conventional | 1 | 0.3% | 50% | $375,000 | View |
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395 Briarwood Cir, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.3% | 100% | $135,000 | View |
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20645 Gibraltar Rd, Brownstown Twp, MI 48183 A+5.0 ★Texas Ratio: 4.92% |
Conventional | 1 | 0.3% | 100% | $25,000 | View |
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314 E Midland St, Bay City, MI 48706 A5.0 ★Texas Ratio: 6.25% |
Conventional | 1 | 0.3% | 100% | $255,000 | View |
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34100 Woodward Ave, Birmingham, MI 48009 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.3% | 50% | $145,000 | View |
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2910 Carpenter Rd, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 1.86% |
Conventional | 1 | 0.3% | 100% | $165,000 | View |
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3930 S State Rd, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 4.12% |
FHA | 1 | 0.3% | 100% | $165,000 | View |
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201 S Superior Ave, Baraga, MI 49908 A+5.0 ★Texas Ratio: 4.32% |
FHA | 1 | 0.3% | 100% | $165,000 | View |
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1243 E M 21, Owosso, MI 48867 9038 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.3% | 100% | $185,000 | View |
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1004 W Midland Rd, Auburn, MI 48611 A5.0 ★Texas Ratio: 6.46% |
HELOC | 0 +1 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 +1 HELOCs |
0% | n/a | View | |
Rocket Mortgage
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Conventional, FHA, VA | 79 | 19.8% | 84.5% | $152,088 | |
Mortgage 1 Incorporated
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Conventional, FHA, VA, USDA | 66 | 16.6% | 100% | $143,636 | |
Legacy Mortgage
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Conventional, FHA, USDA | 23 | 5.8% | 100% | $131,956 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 18 +1 HELOCs |
4.5% | 95% | $193,333 | |
BLG Holdings, LLC
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Conventional, FHA, USDA | 13 | 3.3% | 100% | $131,153 | |
Msu Federal Credit Union
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Conventional, HELOC | 4 +5 HELOCs |
1% | 100% | $182,500 | |
Success Mortgage Partners, Inc
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Conventional, FHA | 3 | 0.8% | 100% | $115,000 | |
GreenStone Farm Credit Services
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Conventional | 3 | 0.8% | 100% | $155,000 | |
Mortgage Center LC
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Conventional | 1 | 0.3% | 100% | $155,000 | |
Staunton Financial Inc
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Conventional | 1 | 0.3% | 100% | $55,000 | |
Union Home Mortgage Corp.
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Conventional, FHA, USDA | 9 | 2.3% | 100% | $158,333 | |
Das Acquisition Company, LLC
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Conventional, FHA, USDA | 8 | 2% | 100% | $116,250 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, USDA | 5 | 1.3% | 83.3% | $195,000 | |
loanDepot.com LLC
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Conventional, FHA | 5 | 1.3% | 55.6% | $91,000 | |
Mortgage Research Center
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FHA, VA, USDA | 5 | 1.3% | 71.4% | $197,000 | |
Spring Eq, LLC
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Conventional, HELOC | 4 +1 HELOCs |
1% | 50% | $35,000 | |
Freedom Mortgage Corporation
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FHA | 4 | 1% | 80% | $175,000 | |
Mortgage300 Corporation
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Conventional, FHA, USDA | 4 | 1% | 100% | $122,500 | |
New American Funding, LLC.
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Conventional, FHA | 4 | 1% | 80% | $100,000 | |
Amerisave Mortgage Company
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Conventional, FHA, HELOC | 3 +1 HELOCs |
0.8% | 33.3% | $85,000 | |
Pennymac Loan Services LLC
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VA | 3 | 0.8% | 100% | $208,333 | |
Guild Mortgage Company
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Conventional | 3 | 0.8% | 100% | $105,000 | |
American Pacific Mortgage Corporation
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Conventional, FHA | 3 | 0.8% | 100% | $231,666 | |
Mutual of Omaha Mortgage
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Conventional, FHA, USDA | 3 | 0.8% | 60% | $165,000 | |
Navy Federal Credit Union
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Conventional, VA | 3 | 0.8% | 75% | $101,666 | |
The Loan Store, Inc
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Conventional, HELOC | 2 +1 HELOCs |
0.5% | 100% | $160,000 | |
Equity Prime Mortgage LLC
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FHA, VA | 2 | 0.5% | 100% | $135,000 | |
Greenwood Credit Union
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Conventional | 2 | 0.5% | 100% | $40,000 | |
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A5.0 ★Texas Ratio: 10.77% |
Conventional | 2 | 0.5% | 100% | $140,000 | View |
Cornerstone First Mortgage, LLC
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FHA | 1 | 0.3% | 100% | $155,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.3% | 100% | $165,000 | |
Primelending
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Conventional | 1 | 0.3% | 100% | $245,000 | |
Goodleap, LLC
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VA | 1 | 0.3% | 100% | $135,000 | |
Lakeview Loan Servicing, LLC
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FHA | 1 | 0.3% | 50% | $275,000 | |
Newrez LLC
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VA | 1 | 0.3% | 100% | $195,000 | |
Nbkc Bank
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VA | 1 | 0.3% | 100% | $545,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $75,000 | |
American Financial Network, Inc.
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FHA | 1 | 0.3% | 50% | $225,000 | |
Click n' Close, Inc.
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USDA | 1 | 0.3% | 100% | $205,000 | |
Greenbox Loans
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Conventional | 1 | 0.3% | 100% | $125,000 | |
New Day Financial, LLC.
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VA | 1 | 0.3% | 100% | $235,000 | |
Planet Home Lending, LLC
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VA | 1 | 0.3% | 100% | $195,000 | |
Milend, Inc
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FHA | 1 | 0.3% | 100% | $295,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.3% | 100% | $95,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.3% | 100% | $115,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $125,000 | |
Lower, LLC
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FHA | 1 | 0.3% | 100% | $355,000 | |
Geneva Financial LLC
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Conventional | 1 | 0.3% | 100% | $95,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.3% | 100% | $95,000 | View |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.3% | 100% | $205,000 | |
Village Capital & Investment
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FHA | 1 | 0.3% | 50% | $135,000 | |
Figure Lending LLC
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HELOC | 0 +10 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Affinity Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Owosso 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 Owosso, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Owosso? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Owosso in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Owosso, MI
Use these to narrow the list above. Each category shows how many Owosso, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Owosso, MI
Independent mortgage companies closed 73.4 percent of home loans in Owosso, Michigan in 2025, banks 13.1 percent and credit unions 13.6 percent. Rocket Mortgage was the largest mortgage company, Fifth Third Bank, National Association the largest bank and Lafcu the largest credit union. Among lenders headquartered in Michigan, Lafcu led with 11 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 Owosso, MI
By home loans closed in 2025, Fifth Third Bank, National Association was the largest mortgage lender in Owosso, Michigan with 18 loans, about 4.5 percent of the market. The largest lender headquartered in Michigan was Lafcu with 11 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Owosso, Michigan, Mortgage 1 Incorporated approved the highest share of completed applications in 2025 at 100 percent, against a 86.2 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.
32 lenders closed FHA loans in Owosso, Michigan in 2025, led by Rocket Mortgage with 22. 14 lenders closed VA loans, led by Rocket Mortgage, and 12 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. 18 banks and 21 credit unions closed home loans in Owosso, Michigan in 2025, alongside 46 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 Owosso, 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 Owosso, 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 Owosso. 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.
