Mortgage Lenders and Brokers in Richmond, 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
Richmond, Michigan mortgage lenders include First State BankFirst State Bank67225 Gratiot Ave, Richmond, MI 48062A5.0 ★Texas Ratio: 6.84%, Huntington National BankHuntington National Bank67270 S Main St, Richmond, MI 48062A+5.0 ★Texas Ratio: 3.66%, PNC Bank N.A.PNC Bank N.A.69306 N Main St, Richmond, MI 48062A+5.0 ★Texas Ratio: 4.24%, Michigan Schools and GovernmenMichigan Schools and Governmen2151 W Stadium Blvd, Ann Arbor, MI 48103 4543A+5.0 ★Texas Ratio: 3.99%, Genisys Credit UnionGenisys Credit Union2100 Executive Hills Dr, Auburn Hills, MI 48326 2947A+5.0 ★Texas Ratio: 5.37%, Lake Michigan Credit UnionLake Michigan Credit Union496 Ada Dr SE STE 103, Ada, MI 49301, Fifth Third Bank, National AssociationFifth Third Bank, National Association475 Ada Drive, Ada Township, MI 49301A+5.0 ★Texas Ratio: 3.22%, Citizens Bank, NACitizens Bank, NA69055 N Main St, Richmond, MI 48062A+5.0 ★Texas Ratio: 5.44%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA455 Ada Dr Se, Ada, MI 49301A+5.0 ★Texas Ratio: 3.68%, and Dart BankDart Bank2469 Cedar Street, Delhi Township, MI 48842A-4.9 ★Texas Ratio: 16.59%. 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 Richmond, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Richmond 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 Richmond, Michigan
Market share is the lender's share of all home loans closed in Richmond, 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 Richmond 67225 Gratiot Ave, Richmond, MI 48062 A5.0 ★Texas Ratio: 6.84% |
Conventional, FHA, HELOC | 7 +10 HELOCs |
3% | 100% | $223,571 | View |
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1 office in Richmond 67270 S Main St, Richmond, MI 48062 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, HELOC | 5 +16 HELOCs |
2.1% | 100% | $273,000 | View |
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★ 1.7 stars, 3 reviews 1 office in Richmond 69306 N Main St, Richmond, MI 48062 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 2 +9 HELOCs |
0.9% | 100% | $170,000 | View |
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2151 W Stadium Blvd, Ann Arbor, MI 48103 4543 A+5.0 ★Texas Ratio: 3.99% |
Conventional, HELOC | 12 +2 HELOCs |
5.1% | 85.7% | $166,666 | View |
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2100 Executive Hills Dr, Auburn Hills, MI 48326 2947 A+5.0 ★Texas Ratio: 5.37% |
Conventional, HELOC | 9 +3 HELOCs |
3.8% | 100% | $201,666 | View |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
Conventional | 5 | 2.1% | 100% | $335,000 | |
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475 Ada Drive, Ada Township, MI 49301 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 4 +6 HELOCs |
1.7% | 100% | $362,500 | View |
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69055 N Main St, Richmond, MI 48062 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 3 +10 HELOCs |
1.3% | 100% | $185,000 | View |
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455 Ada Dr Se, Ada, MI 49301 A+5.0 ★Texas Ratio: 3.68% |
Conventional, VA | 3 | 1.3% | 100% | $288,333 | View |
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2469 Cedar Street, Delhi Township, MI 48842 A-4.9 ★Texas Ratio: 16.59% |
Conventional, HELOC | 2 +1 HELOCs |
0.9% | 100% | $340,000 | View |
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5515 Van Dyke Rd, Almont, MI 48003 A+5.0 ★Texas Ratio: 5.45% |
Conventional | 2 | 0.9% | 66.7% | $40,000 | View |
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201 S Superior Ave, Baraga, MI 49908 A+5.0 ★Texas Ratio: 4.32% |
Conventional | 2 | 0.9% | 100% | $175,000 | View |
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2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54% |
Conventional, HELOC | 1 +2 HELOCs |
0.4% | 100% | $25,000 | View |
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395 Briarwood Cir, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $175,000 | View |
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2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830 A+5.0 ★Texas Ratio: 2.16% |
Conventional | 1 | 0.4% | 100% | $65,000 | View |
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6081 B Dr N, Battle Creek, MI 49014 8367 A+5.0 ★Texas Ratio: 3.56% |
Conventional | 1 | 0.4% | 100% | $215,000 | View |
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3559 Main St, Akron, MI 48701 A5.0 ★Texas Ratio: 12.49% |
Conventional | 1 | 0.4% | 100% | $525,000 | View |
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2550 Capital Ave SW, Battle Creek, MI 49015 A+5.0 ★Texas Ratio: 5.38% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
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8171 E 10 Mile Rd, Center Line, MI 48015 1449 A+5.0 ★Texas Ratio: 3.21% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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2910 Carpenter Rd, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 1.86% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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101 N Main St Ste 100, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Rocket Mortgage
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Conventional, FHA, VA | 42 | 17.9% | 95.5% | $226,666 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo | 21 | 8.9% | 80.8% | $312,142 | |
Mortgage 1 Incorporated
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Conventional, FHA | 11 | 4.7% | 100% | $296,818 | |
Mortgage Center LC
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Conventional | 7 | 3% | 100% | $213,571 | |
Michigan Mutual, Inc
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Conventional | 3 | 1.3% | 100% | $131,666 | |
Staunton Financial Inc
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Conventional | 2 | 0.9% | 100% | $255,000 | |
Gold Star Mortgage Financial Group, Corporation
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Conventional | 1 | 0.4% | 100% | $165,000 | |
Success Mortgage Partners, Inc
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Conventional | 1 | 0.4% | 100% | $285,000 | |
Msu Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
21St Mortgage
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Conventional | 19 | 8.1% | 43.5% | $62,894 | |
Union Home Mortgage Corp.
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Conventional | 14 | 6% | 87.5% | $264,285 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 6 | 2.6% | 100% | $215,000 | |
Nationstar Mortgage
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Conventional, FHA | 6 | 2.6% | 85.7% | $133,333 | |
Freedom Mortgage Corporation
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FHA, VA | 4 | 1.7% | 100% | $350,000 | |
Everett Financial, Inc.
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Conventional | 3 | 1.3% | 100% | $475,000 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA | 3 | 1.3% | 60% | $201,666 | |
loanDepot.com LLC
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Conventional | 3 | 1.3% | 75% | $155,000 | |
Mortgage Research Center
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VA | 3 | 1.3% | 60% | $308,333 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 2 | 0.9% | 100% | $365,000 | |
Newrez LLC
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Conventional | 2 | 0.9% | 50% | $80,000 | |
Amerisave Mortgage Company
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Conventional, FHA | 2 | 0.9% | 40% | $190,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 2 | 0.9% | 100% | $150,000 | |
Navy Federal Credit Union
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Conventional, VA | 2 | 0.9% | 66.7% | $185,000 | |
New American Funding, LLC.
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Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $485,000 | |
The Loan Store, Inc
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Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $215,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.4% | 100% | $185,000 | View |
Zippy Loans, LLC
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Conventional | 1 | 0.4% | 100% | $75,000 | |
Goodleap, LLC
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Conventional | 1 | 0.4% | 100% | $205,000 | |
Nbkc Bank
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Conventional | 1 | 0.4% | 100% | $465,000 | |
Kind Lending, LLC
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USDA | 1 | 0.4% | 50% | $265,000 | |
Triad Financial Services, Inc.
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Conventional | 1 | 0.4% | 37.5% | $55,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 0.4% | 100% | $325,000 | |
Credit Human Federal Credit Un
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Conventional | 1 | 0.4% | 100% | $25,000 | |
American Internet Mortgage, Inc.
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Conventional | 1 | 0.4% | 100% | $245,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.4% | 100% | $195,000 | View |
Spring Eq, LLC
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Conventional | 1 | 0.4% | 50% | $25,000 | |
Ark-La-Tex Financial Services LLC
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VA | 1 | 0.4% | 100% | $475,000 | |
Village Capital & Investment
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VA | 1 | 0.4% | 100% | $255,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
Alliant 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% | 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 |
Richmond 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 Richmond, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Richmond? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Richmond in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Richmond, MI
Use these to narrow the list above. Each category shows how many Richmond, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Richmond, MI
Independent mortgage companies closed 68.5 percent of home loans in Richmond, Michigan in 2025, banks 14.9 percent and credit unions 16.6 percent. Rocket Mortgage was the largest mortgage company, First State Bank the largest bank and Michigan Schools and Governmen the largest credit union. Among lenders headquartered in Michigan, First State Bank led with 7 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 Richmond, MI
By home loans closed in 2025, First State Bank was the largest mortgage lender in Richmond, Michigan with 7 loans, about 3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
11 lenders closed FHA loans in Richmond, Michigan in 2025, led by United Wholesale Mortgage with 8. 8 lenders closed VA loans, led by Rocket 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. 17 banks and 14 credit unions closed home loans in Richmond, Michigan in 2025, alongside 33 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 Richmond, 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 Richmond, 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 Richmond. 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.
