Mortgage Lenders and Brokers in Rochester, 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
Rochester, Michigan mortgage lenders include First Merchants BankFirst Merchants Bank1880 S Rochester Rd, Rochester, MI 48307A+5.0 ★Texas Ratio: 4.12%, Huntington National BankHuntington National Bank255 E 2nd St, Rochester, MI 48307A+5.0 ★Texas Ratio: 3.66%, Flagstar Bank NAFlagstar Bank NA4542 Orion Rd, Rochester, MI 48306D3.3 ★Texas Ratio: 35.11%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA25 Barclay Cir, Rochester, MI 48307A+5.0 ★Texas Ratio: 3.68%, Citizens Bank, NACitizens Bank, NA44 N Adams Rd, Rochester, MI 48309A+5.0 ★Texas Ratio: 5.44%, Fifth Third Bank, National AssociationFifth Third Bank, National Association1383 S Rochester Rd, Rochester, MI 48307A+5.0 ★Texas Ratio: 3.22%, Michigan Schools and GovernmenMichigan Schools and Governmen2151 W Stadium Blvd, Ann Arbor, MI 48103 4543A+5.0 ★Texas Ratio: 3.99%, Lake Michigan Credit UnionLake Michigan Credit Union496 Ada Dr SE STE 103, Ada, MI 49301, Michigan United Credit UnionMichigan United Credit Union3501 Hamlin Rd, Auburn Hills, MI 48326A+5.0 ★Texas Ratio: 0.54%, and First State BankFirst State Bank53950 Gratiot Ave, Chesterfield, MI 48051A5.0 ★Texas Ratio: 6.84%. 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 Rochester, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Rochester 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 Rochester, Michigan
Market share is the lender's share of all home loans closed in Rochester, 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 Rochester 1880 S Rochester Rd, Rochester, MI 48307 A+5.0 ★Texas Ratio: 4.12% |
Conventional, Jumbo | 7 | 3.7% | 100% | $659,285 | View |
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1 office in Rochester 255 E 2nd St, Rochester, MI 48307 A+5.0 ★Texas Ratio: 3.66% |
Conventional, HELOC | 4 +12 HELOCs |
2.1% | 80% | $522,500 | View |
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2 offices in Rochester 4542 Orion Rd, Rochester, MI 48306 D3.3 ★Texas Ratio: 35.11% |
Conventional, HELOC | 4 +2 HELOCs |
2.1% | 100% | $220,000 | View |
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2 offices in Rochester 25 Barclay Cir, Rochester, MI 48307 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 3 +1 HELOCs |
1.6% | 75% | $318,333 | View |
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2 offices in Rochester 44 N Adams Rd, Rochester, MI 48309 A+5.0 ★Texas Ratio: 5.44% |
Conventional, Jumbo, HELOC | 2 +18 HELOCs |
1.1% | 66.7% | $755,000 | View |
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1 office in Rochester 1383 S Rochester Rd, Rochester, MI 48307 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 2 +5 HELOCs |
1.1% | 100% | $605,000 | View |
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2151 W Stadium Blvd, Ann Arbor, MI 48103 4543 A+5.0 ★Texas Ratio: 3.99% |
Conventional, HELOC | 6 +5 HELOCs |
3.2% | 100% | $165,000 | View |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
Conventional, Jumbo, HELOC | 4 +5 HELOCs |
2.1% | 100% | $507,500 | |
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3501 Hamlin Rd, Auburn Hills, MI 48326 A+5.0 ★Texas Ratio: 0.54% |
Conventional, HELOC | 4 +1 HELOCs |
2.1% | 100% | $175,000 | View |
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53950 Gratiot Ave, Chesterfield, MI 48051 A5.0 ★Texas Ratio: 6.84% |
Conventional | 3 | 1.6% | 100% | $315,000 | View |
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★ 1.7 stars, 3 reviews 855 Marshall St, Allegan, MI 49010 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 2 +6 HELOCs |
1.1% | 100% | $715,000 | View |
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511 N Main St, Rochester, MI 48307 A+5.0 ★Texas Ratio: 1.86% |
Conventional, HELOC | 2 +2 HELOCs |
1.1% | 100% | $195,000 | View |
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2100 Executive Hills Dr, Auburn Hills, MI 48326 2947 A+5.0 ★Texas Ratio: 5.37% |
Conventional, HELOC | 2 +1 HELOCs |
1.1% | 100% | $260,000 | View |
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201 S Superior Ave, Baraga, MI 49908 A+5.0 ★Texas Ratio: 4.32% |
Conventional, Jumbo | 2 | 1.1% | 100% | $585,000 | View |
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395 Briarwood Cir, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 1 +3 HELOCs |
0.5% | 100% | $825,000 | View |
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2469 Cedar Street, Delhi Township, MI 48842 A-4.9 ★Texas Ratio: 16.59% |
Conventional | 1 | 0.5% | 100% | $315,000 | View |
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3333 Deposit Dr Ne, Grand Rapids, MI 49546 A5.0 ★Texas Ratio: 8.47% |
Conventional, Jumbo | 1 | 0.5% | 100% | $815,000 | View |
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20645 Gibraltar Rd, Brownstown Twp, MI 48183 A+5.0 ★Texas Ratio: 4.92% |
Conventional | 1 | 0.5% | 50% | $35,000 | View |
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4141 Jackson Rd, Ann Arbor, MI 48103 1827 A+5.0 ★Texas Ratio: 1.03% |
Conventional | 1 | 0.5% | 100% | $45,000 | View |
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101 N Main St Ste 100, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +4 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 +4 HELOCs |
0% | n/a | View | |
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6081 B Dr N, Battle Creek, MI 49014 8367 A+5.0 ★Texas Ratio: 3.56% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 44 +2 HELOCs |
23.2% | 95.7% | $389,318 | |
Rocket Mortgage
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Conventional, FHA, VA | 23 | 12.1% | 86.2% | $318,043 | |
Ross Mortgage Corporation
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Conventional | 4 | 2.1% | 100% | $475,000 | |
Staunton Financial Inc
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Conventional | 3 | 1.6% | 100% | $348,333 | |
Msu Federal Credit Union
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Conventional, HELOC | 2 +4 HELOCs |
1.1% | 100% | $235,000 | |
Mortgage Center LC
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Conventional, Jumbo | 2 | 1.1% | 100% | $685,000 | |
Legacy Mortgage
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Conventional | 1 | 0.5% | 100% | $365,000 | |
Mortgage 1 Incorporated
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Conventional | 1 | 0.5% | 100% | $605,000 | |
Michigan Mutual, Inc
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Conventional | 1 | 0.5% | 66.7% | $355,000 | |
Ccf - Auburn Hills Branch
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Conventional | 1 | 0.5% | 100% | $235,000 | |
Guaranteed Rate, Inc.
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Conventional | 8 | 4.2% | 100% | $441,250 | |
Union Home Mortgage Corp.
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Conventional, Jumbo | 6 | 3.2% | 100% | $455,000 | |
CrossCountry Mortgage, LLC
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Conventional | 3 | 1.6% | 100% | $528,333 | |
The Loan Store, Inc
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Conventional | 3 | 1.6% | 100% | $365,000 | |
Spring Eq, LLC
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Conventional | 3 | 1.6% | 60% | $58,333 | |
The Anderson Financial Group, Inc.
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Conventional | 2 | 1.1% | 100% | $280,000 | |
Better Mortgage Corporation
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Conventional, FHA | 2 | 1.1% | 100% | $305,000 | |
loanDepot.com LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $165,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $35,000 | View |
Cornerstone First Mortgage, LLC
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Conventional | 1 | 0.5% | 100% | $685,000 | |
Residential Wholesale Mortgage
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Conventional | 1 | 0.5% | 100% | $805,000 | |
Newrez LLC
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Conventional | 1 | 0.5% | 100% | $325,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.5% | 100% | $575,000 | |
Equity Prime Mortgage LLC
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VA | 1 | 0.5% | 100% | $615,000 | |
Kind Lending, LLC
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Conventional | 1 | 0.5% | 50% | $495,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $265,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 0.5% | 50% | $525,000 | |
Amerisave Mortgage Company
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FHA | 1 | 0.5% | 25% | $385,000 | |
Emporium Tpo LLC
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Conventional | 1 | 0.5% | 100% | $755,000 | |
HomeXpress Mortgage Corp.
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Conventional | 1 | 0.5% | 100% | $365,000 | |
American Heritage Lending, LLC
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Conventional | 1 | 0.5% | 100% | $505,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.5% | 50% | $615,000 | View |
Peoples Mortgage Company
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Conventional | 1 | 0.5% | 100% | $325,000 | |
Provident Funding Associates
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Conventional | 1 | 0.5% | 100% | $305,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $215,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.5% | 100% | $45,000 | |
Mission Loans, LLC
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FHA | 1 | 0.5% | 100% | $535,000 | |
Selfreliance Federal Credit Union
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Conventional | 1 | 0.5% | 100% | $305,000 | |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional, Jumbo | 1 | 0.5% | 100% | $1,055,000 | View |
Zillow Home Loans, LLC
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Conventional | 1 | 0.5% | 100% | $125,000 | |
Stanford Federal Credit Union
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Conventional | 1 | 0.5% | 100% | $205,000 | |
Navy Federal Credit Union
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Conventional | 1 | 0.5% | 100% | $225,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.5% | 100% | $245,000 | View |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.5% | 100% | $345,000 | View |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.5% | 100% | $745,000 | |
The Mortgage Link, Inc.
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Conventional | 1 | 0.5% | 100% | $505,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
RBC Bank (Georgia), N.A.
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A4.8 ★Texas Ratio: 2.45% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Rochester 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 Rochester, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Rochester? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Rochester in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Rochester, MI
Use these to narrow the list above. Each category shows how many Rochester, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Rochester, MI
Independent mortgage companies closed 65.8 percent of home loans in Rochester, Michigan in 2025, banks 19.5 percent and credit unions 14.7 percent. United Wholesale Mortgage was the largest mortgage company, First Merchants Bank the largest bank and Michigan Schools and Governmen the largest credit union. Among lenders headquartered in Michigan, Flagstar Bank NA led with 4 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 Rochester, MI
By home loans closed in 2025, First Merchants Bank was the largest mortgage lender in Rochester, Michigan with 7 loans, about 3.7 percent of the market. The largest lender headquartered in Michigan was Flagstar Bank NA with 4 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
5 lenders closed FHA loans in Rochester, Michigan in 2025, led by United Wholesale Mortgage with 2. 4 lenders closed VA loans, led by United Wholesale Mortgage. 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. 21 banks and 15 credit unions closed home loans in Rochester, Michigan in 2025, alongside 36 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 Rochester, 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 Rochester, 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 Rochester. 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.
