Mortgage Lenders and Brokers in Pontiac, 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
Pontiac, Michigan mortgage lenders include Flagstar Bank NAFlagstar Bank NA1648 N Perry St, Pontiac, MI 48340D3.3 ★Texas Ratio: 35.11%, Huntington National BankHuntington National Bank1821 N Perry St, Pontiac, MI 48340A+5.0 ★Texas Ratio: 3.66%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1261 Baldwin Ave, Pontiac, MI 48340A+5.0 ★Texas Ratio: 3.68%, PNC Bank N.A.PNC Bank N.A.44330 Woodward Ave, Pontiac, MI 48341A+5.0 ★Texas Ratio: 4.24%, Fifth Third Bank, National AssociationFifth Third Bank, National Association442 W Huron St, Pontiac, MI 48341A+5.0 ★Texas Ratio: 3.22%, United Wholesale MortgageUnited Wholesale MortgagePontiac, MI, Genisys Credit UnionGenisys Credit Union44400 Woodward Ave, Pontiac, MI 48341 5025A+5.0 ★Texas Ratio: 5.37%, First Merchants BankFirst Merchants Bank3930 S State Rd, Ann Arbor, MI 48108A+5.0 ★Texas Ratio: 4.12%, Vibe Credit UnionVibe Credit Union3082 Coolidge Hwy, Berkley, MI 48072A+5.0 ★Texas Ratio: 5.97%, and Michigan First Credit UnionMichigan First Credit Union20645 Gibraltar Rd, Brownstown Twp, MI 48183A+5.0 ★Texas Ratio: 4.92%. 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 Pontiac, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Pontiac 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 Pontiac, Michigan
Market share is the lender's share of all home loans closed in Pontiac, 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 Pontiac 1648 N Perry St, Pontiac, MI 48340 D3.3 ★Texas Ratio: 35.11% |
Conventional, FHA, HELOC | 17 +2 HELOCs |
2.8% | 73.9% | $147,941 | View |
|
1 office in Pontiac 1821 N Perry St, Pontiac, MI 48340 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, HELOC | 15 +17 HELOCs |
2.5% | 78.9% | $145,000 | View |
|
1 office in Pontiac 1261 Baldwin Ave, Pontiac, MI 48340 A+5.0 ★Texas Ratio: 3.68% |
Conventional, FHA | 12 | 2% | 80% | $148,333 | View |
|
★ 1.7 stars, 3 reviews 2 offices in Pontiac 44330 Woodward Ave, Pontiac, MI 48341 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +12 HELOCs |
0.2% | 33.3% | $125,000 | View |
|
1 office in Pontiac 442 W Huron St, Pontiac, MI 48341 A+5.0 ★Texas Ratio: 3.22% |
FHA | 1 | 0.2% | 25% | $235,000 | View |
United Wholesale Mortgage
|
Conventional, FHA, VA, HELOC | 99 +1 HELOCs |
16.3% | 82.9% | $178,535 | |
|
44400 Woodward Ave, Pontiac, MI 48341 5025 A+5.0 ★Texas Ratio: 5.37% |
Conventional, HELOC | 42 +22 HELOCs |
6.9% | 60.3% | $102,142 | View |
|
3930 S State Rd, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 4.12% |
Conventional, VA | 20 | 3.3% | 100% | $103,500 | View |
|
3082 Coolidge Hwy, Berkley, MI 48072 A+5.0 ★Texas Ratio: 5.97% |
Conventional, HELOC | 13 +4 HELOCs |
2.1% | 86.7% | $70,384 | View |
|
20645 Gibraltar Rd, Brownstown Twp, MI 48183 A+5.0 ★Texas Ratio: 4.92% |
Conventional, FHA | 9 | 1.5% | 60% | $131,666 | View |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
Conventional, FHA, HELOC | 6 +2 HELOCs |
1% | 75% | $86,666 | |
Community Financial
12483 State St, Atlanta, MI 49709 |
Conventional | 5 | 0.8% | 100% | $105,000 | |
|
241 E Saginaw St, East Lansing, MI 48823 B-4.3 ★Texas Ratio: 23.12% |
Conventional | 4 | 0.7% | 80% | $120,000 | View |
|
41 N Saginaw St, Pontiac, MI 48342 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 3 +1 HELOCs |
0.5% | 75% | $218,333 | View |
|
3501 Hamlin Rd, Auburn Hills, MI 48326 A+5.0 ★Texas Ratio: 0.54% |
Conventional, HELOC | 3 +1 HELOCs |
0.5% | 100% | $35,000 | View |
|
53950 Gratiot Ave, Chesterfield, MI 48051 A5.0 ★Texas Ratio: 6.84% |
Conventional | 3 | 0.5% | 100% | $151,666 | View |
|
2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54% |
Conventional, VA | 3 | 0.5% | 100% | $161,666 | View |
|
455 E Eisenhower Pkwy, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 5.44% |
Conventional, FHA, HELOC | 2 +7 HELOCs |
0.3% | 100% | $165,000 | View |
|
2151 W Stadium Blvd, Ann Arbor, MI 48103 4543 A+5.0 ★Texas Ratio: 3.99% |
Conventional, HELOC | 2 +4 HELOCs |
0.3% | 40% | $130,000 | View |
|
2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54% |
Conventional, HELOC | 2 +3 HELOCs |
0.3% | 33.3% | $60,000 | View |
|
101 N Main St Ste 100, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 2 +1 HELOCs |
0.3% | 100% | $115,000 | View |
|
1004 W Midland Rd, Auburn, MI 48611 A5.0 ★Texas Ratio: 6.46% |
Conventional, FHA, HELOC | 2 +1 HELOCs |
0.3% | 50% | $175,000 | View |
|
144 E Pike St, Pontiac, MI 48342 A+5.0 ★Texas Ratio: 2.18% |
Conventional | 2 | 0.3% | 66.7% | $55,000 | View |
|
2910 Carpenter Rd, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 1.86% |
Conventional | 2 | 0.3% | 75% | $110,000 | View |
|
2015 Washtenaw Ave, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 3.82% |
Conventional, VA | 2 | 0.3% | 100% | $215,000 | View |
|
1422 S Winter St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 4.98% |
Conventional | 1 | 0.2% | 100% | $155,000 | View |
|
3333 Deposit Dr Ne, Grand Rapids, MI 49546 A5.0 ★Texas Ratio: 8.47% |
Conventional | 1 | 0.2% | 100% | $85,000 | View |
|
39440 W 14 Mile Rd, Commerce Township, MI 48390 3907 A+5.0 ★Texas Ratio: 5.61% |
Conventional | 1 | 0.2% | 100% | $35,000 | View |
|
5515 Van Dyke Rd, Almont, MI 48003 A+5.0 ★Texas Ratio: 5.45% |
Conventional | 1 | 0.2% | 33.3% | $165,000 | View |
|
3030 S Adrian Hwy, Adrian, MI 49221 A+5.0 ★Texas Ratio: 0.45% |
Conventional | 1 | 0.2% | 100% | $105,000 | View |
|
201 S Superior Ave, Baraga, MI 49908 A+5.0 ★Texas Ratio: 4.32% |
Conventional | 1 | 0.2% | 100% | $285,000 | View |
|
5750 Baypointe Blvd, Clarkston, MI 48346 3192 A+5.0 ★Texas Ratio: 4.06% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Rocket Mortgage
|
Conventional, FHA, VA | 124 | 20.4% | 76% | $145,080 | |
Mortgage 1 Incorporated
|
Conventional, FHA, VA | 12 | 2% | 100% | $155,833 | |
Gold Star Mortgage Financial Group, Corporation
|
Conventional, FHA | 4 | 0.7% | 100% | $120,000 | |
Ross Mortgage Corporation
|
FHA | 4 | 0.7% | 100% | $137,500 | |
Mortgage Center LC
|
Conventional | 4 | 0.7% | 80% | $97,500 | |
Staunton Financial Inc
|
Conventional | 4 | 0.7% | 100% | $142,500 | |
Msu Federal Credit Union
|
Conventional, HELOC | 2 +4 HELOCs |
0.3% | 100% | $75,000 | |
Legacy Mortgage
|
Conventional, FHA | 2 | 0.3% | 100% | $160,000 | |
Michigan Mutual, Inc
|
Conventional, FHA | 2 | 0.3% | 100% | $185,000 | |
BLG Holdings, LLC
|
FHA | 1 | 0.2% | 100% | $175,000 | |
Top Flite Financial, Inc.
|
FHA | 1 | 0.2% | 100% | $95,000 | |
New American Funding, LLC.
|
Conventional, FHA | 9 | 1.5% | 69.2% | $142,777 | |
|
A+5.0 ★Texas Ratio: 0.00% |
Conventional, FHA, VA | 8 | 1.3% | 100% | $180,000 | View |
Guaranteed Rate, Inc.
|
Conventional, FHA | 8 | 1.3% | 100% | $188,750 | |
Newrez LLC
|
Conventional, FHA, VA | 8 | 1.3% | 53.3% | $145,000 | |
Mortgage Research Center
|
Conventional, FHA, VA | 8 | 1.3% | 53.3% | $213,750 | |
The Loan Store, Inc
|
Conventional, HELOC | 7 +1 HELOCs |
1.2% | 80% | $109,285 | |
CrossCountry Mortgage, LLC
|
Conventional, FHA | 7 | 1.2% | 77.8% | $129,285 | |
Kind Lending, LLC
|
Conventional, FHA | 6 | 1% | 60% | $66,666 | |
loanDepot.com LLC
|
Conventional, FHA | 6 | 1% | 42.9% | $96,666 | |
Nationstar Mortgage
|
Conventional | 6 | 1% | 77.8% | $83,333 | |
21St Mortgage
|
Conventional | 6 | 1% | 31.6% | $40,000 | |
Union Home Mortgage Corp.
|
Conventional, VA, HELOC | 5 +1 HELOCs |
0.8% | 100% | $181,000 | |
Navy Federal Credit Union
|
Conventional, HELOC | 5 +1 HELOCs |
0.8% | 100% | $147,000 | |
Cmg Mortgage Inc
|
Conventional, FHA, USDA | 5 | 0.8% | 87.5% | $75,000 | |
Equity Prime Mortgage LLC
|
FHA, VA | 4 | 0.7% | 100% | $202,500 | |
Pennymac Loan Services LLC
|
FHA | 4 | 0.7% | 83.3% | $202,500 | |
Amerisave Mortgage Company
|
Conventional, FHA | 4 | 0.7% | 25% | $57,500 | |
Zillow Home Loans, LLC
|
Conventional | 3 | 0.5% | 75% | $175,000 | |
Plaza Home Mortgage, Inc
|
Conventional, FHA | 3 | 0.5% | 75% | $148,333 | |
Village Capital & Investment
|
FHA, VA | 3 | 0.5% | 66.7% | $195,000 | |
Consumer Real Estate Finance Co DBA Society Mortgage
|
Conventional, FHA | 2 | 0.3% | 66.7% | $70,000 | |
|
A5.0 ★Texas Ratio: 11.06% |
Conventional, FHA | 2 | 0.3% | 100% | $75,000 | View |
Greenstate Credit Union
|
Conventional | 2 | 0.3% | 66.7% | $30,000 | |
Everett Financial, Inc.
|
Conventional, FHA | 2 | 0.3% | 100% | $70,000 | |
Freedom Mortgage Corporation
|
FHA, VA | 2 | 0.3% | 33.3% | $180,000 | |
Movement Mortgage, LLC
|
Conventional, FHA | 2 | 0.3% | 100% | $145,000 | |
PHH Mortgage Corporation
|
Conventional | 2 | 0.3% | 66.7% | $60,000 | |
Click n' Close, Inc.
|
Conventional, FHA | 2 | 0.3% | 100% | $85,000 | |
Cardinal Financial Company, Li
|
Conventional, FHA | 2 | 0.3% | 100% | $75,000 | |
New Day Financial, LLC.
|
VA | 2 | 0.3% | 50% | $185,000 | |
Stockton Mortgage Corporation
|
Conventional | 2 | 0.3% | 100% | $195,000 | |
Champions Funding, LLC
|
Conventional | 2 | 0.3% | 66.7% | $195,000 | |
Goodleap, LLC
|
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 33.3% | $115,000 | |
|
A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $35,000 | View |
Zippy Loans, LLC
|
Conventional | 1 | 0.2% | 100% | $35,000 | |
Residential Wholesale Mortgage
|
FHA | 1 | 0.2% | 100% | $165,000 | |
Royal United Mortgage LLC
|
Conventional | 1 | 0.2% | 100% | $135,000 | |
Primelending
|
FHA | 1 | 0.2% | 100% | $295,000 | |
Nbkc Bank
|
FHA | 1 | 0.2% | 100% | $335,000 | |
AmeriHome Mortgage Company, LLC
|
FHA | 1 | 0.2% | 50% | $195,000 | |
Filo Mortgage, LLC
|
FHA | 1 | 0.2% | 100% | $235,000 | |
City Lending Inc.
|
FHA | 1 | 0.2% | 33.3% | $245,000 | |
The Farmers & Merchants State Bank
|
Conventional | 1 | 0.2% | 50% | $125,000 | |
|
A+5.0 ★Texas Ratio: 5.05% |
VA | 1 | 0.2% | 100% | $135,000 | View |
Mortgage300 Corporation
|
Conventional | 1 | 0.2% | 100% | $125,000 | |
Provident Funding Associates
|
Conventional | 1 | 0.2% | 100% | $275,000 | |
|
A+5.0 ★Texas Ratio: 2.20% |
VA | 1 | 0.2% | 100% | $155,000 | View |
|
A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.2% | 100% | $105,000 | View |
Tjc Mortgage Inc
|
FHA | 1 | 0.2% | 100% | $275,000 | |
Pentagon Federal Credit Union
|
Conventional | 1 | 0.2% | 100% | $145,000 | |
Better Mortgage Corporation
|
Conventional | 1 | 0.2% | 50% | $235,000 | |
|
A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.2% | 100% | $95,000 | View |
Mortgage Solutions of Colorado
|
FHA | 1 | 0.2% | 100% | $105,000 | |
Mutual of Omaha Mortgage
|
FHA | 1 | 0.2% | 100% | $75,000 | |
ClearEdge Lending LLC
|
Conventional | 1 | 0.2% | 100% | $155,000 | |
|
A+5.0 ★Texas Ratio: 2.43% |
Conventional | 1 | 0.2% | 100% | $125,000 | View |
Fairway Independent Mort Corp
|
Conventional | 1 | 0.2% | 100% | $125,000 | |
|
B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.2% | 100% | $115,000 | View |
Carrington Mortgage Services LLC
|
Conventional | 1 | 0.2% | 40% | $105,000 | |
Spring Eq, LLC
|
Conventional | 1 | 0.2% | 25% | $55,000 | |
Ark-La-Tex Financial Services LLC
|
Conventional | 1 | 0.2% | 100% | $175,000 | |
Cake Mortgage Corp.
|
Conventional | 1 | 0.2% | 100% | $425,000 | |
Griffin Funding Inc.
|
FHA | 1 | 0.2% | 100% | $495,000 | |
|
B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
Figure Lending LLC
|
HELOC | 0 +4 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
|
HELOC | 0 +3 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
|
HELOC | 0 +3 HELOCs |
0% | n/a | ||
Valon Mortgage
|
HELOC | 0 +1 HELOCs |
0% | n/a |
Pontiac 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 Pontiac, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Pontiac? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Pontiac in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Pontiac, MI
Use these to narrow the list above. Each category shows how many Pontiac, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Pontiac, MI
Independent mortgage companies closed 66 percent of home loans in Pontiac, Michigan in 2025, banks 17.3 percent and credit unions 16.8 percent. United Wholesale Mortgage was the largest mortgage company, Flagstar Bank NA the largest bank and Genisys Credit Union the largest credit union. Among lenders headquartered in Michigan, Flagstar Bank NA led with 17 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 Pontiac, MI
By home loans closed in 2025, Flagstar Bank NA was the largest mortgage lender in Pontiac, Michigan with 17 loans, about 2.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Pontiac, Michigan, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 82.9 percent, against a 73.5 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.
48 lenders closed FHA loans in Pontiac, Michigan in 2025, led by Rocket Mortgage with 30. 17 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. 27 banks and 18 credit unions closed home loans in Pontiac, Michigan in 2025, alongside 66 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 Pontiac, 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 Pontiac, 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 Pontiac. 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.
