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Mortgage Lenders and Brokers in Rochester Hills, Michigan

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Rochester Hills, Michigan mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3989 Crooks Rd, Rochester Hills, MI 48309A+5.0 ★Texas Ratio: 3.68%, Huntington National BankHuntington National Bank2975 Walton Boulevard, Rochester Hills, MI 48309A+5.0 ★Texas Ratio: 3.66%, Flagstar Bank NAFlagstar Bank NA2744 S Adams Rd, Rochester Hills, MI 48309D3.3 ★Texas Ratio: 35.11%, First State BankFirst State Bank1575 S Rochester Rd, Rochester Hills, MI 48307A5.0 ★Texas Ratio: 6.84%, Fifth Third Bank, National AssociationFifth Third Bank, National Association3012 Walton Blvd, Rochester Hills, MI 48309A+5.0 ★Texas Ratio: 3.22%, PNC Bank N.A.PNC Bank N.A.2101 S Rochester Rd, Rochester Hills, MI 48307A+5.0 ★Texas Ratio: 4.24%, Bank of America NABank of America NA6800 N Rochester Rd, Rochester Hills, MI 48306A+5.0 ★Texas Ratio: 4.14%, Michigan Schools and GovernmenMichigan Schools and Governmen2950 Walton Blvd, Rochester Hills, MI 48309 1418A+5.0 ★Texas Ratio: 3.99%, Genisys Credit UnionGenisys Credit Union1611 S Rochester Rd, Rochester Hills, MI 48307 3530A+5.0 ★Texas Ratio: 5.37%, and First Merchants BankFirst Merchants Bank3930 S State Rd, Ann Arbor, MI 48108A+5.0 ★Texas Ratio: 4.12%. 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 Hills, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Rochester Hills 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 Hills, Michigan

Market share is the lender's share of all home loans closed in Rochester Hills, 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
JPMorgan Chase Bank, NA 2 offices in Rochester Hills 3989 Crooks Rd, Rochester Hills, MI 48309 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, Jumbo, HELOC	48 +5 HELOCs	4%	92.5%	$356,041	View
Huntington National Bank 3 offices in Rochester Hills 2975 Walton Boulevard, Rochester Hills, MI 48309 A+5.0 ★Texas Ratio: 3.66%	Conventional, FHA, Jumbo, HELOC	18 +54 HELOCs	1.5%	90%	$444,444	View
Flagstar Bank NA 1 office in Rochester Hills 2744 S Adams Rd, Rochester Hills, MI 48309 D3.3 ★Texas Ratio: 35.11%	Conventional, HELOC	13 +2 HELOCs	1.1%	68.4%	$322,692	View
First State Bank 1 office in Rochester Hills 1575 S Rochester Rd, Rochester Hills, MI 48307 A5.0 ★Texas Ratio: 6.84%	Conventional, HELOC	12 +5 HELOCs	1%	92.3%	$323,333	View
Fifth Third Bank, National Association 2 offices in Rochester Hills 3012 Walton Blvd, Rochester Hills, MI 48309 A+5.0 ★Texas Ratio: 3.22%	Conventional, HELOC	6 +14 HELOCs	0.5%	66.7%	$420,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1 office in Rochester Hills 2101 S Rochester Rd, Rochester Hills, MI 48307 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	5 +20 HELOCs	0.4%	71.4%	$499,000	View
Bank of America NA 3 offices in Rochester Hills 6800 N Rochester Rd, Rochester Hills, MI 48306 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	3 +23 HELOCs	0.3%	75%	$261,666	View
Michigan Schools and Governmen 2950 Walton Blvd, Rochester Hills, MI 48309 1418 A+5.0 ★Texas Ratio: 3.99%	Conventional, HELOC	54 +20 HELOCs	4.5%	91.8%	$291,296	View
Genisys Credit Union 1611 S Rochester Rd, Rochester Hills, MI 48307 3530 A+5.0 ★Texas Ratio: 5.37%	Conventional, Jumbo, HELOC	48 +30 HELOCs	4%	79.1%	$151,875	View
First Merchants Bank 3930 S State Rd, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 4.12%	Conventional, Jumbo, HELOC	30 +5 HELOCs	2.5%	96.8%	$351,666	View
Lake Michigan Credit Union 310 W Tienken Rd, Rochester Hills, MI 48306	Conventional, Jumbo, HELOC	27 +21 HELOCs	2.3%	90.3%	$531,296
Superior National Bank 201 S Superior Ave, Baraga, MI 49908 A+5.0 ★Texas Ratio: 4.32%	Conventional	15	1.3%	100%	$346,333	View
Credit Union One 2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54%	Conventional, HELOC	9 +25 HELOCs	0.8%	66.7%	$175,000	View
Member First Mortgage, LLC 650 W 5th St, Clare, MI 48617	Conventional	7	0.6%	100%	$573,571
Michigan First Credit Union 65 S Livernois Rd, Rochester Hills, MI 48307 A+5.0 ★Texas Ratio: 4.92%	Conventional, HELOC	6 +1 HELOCs	0.5%	100%	$353,333	View
Independent Bank 1004 W Midland Rd, Auburn, MI 48611 A5.0 ★Texas Ratio: 6.46%	Conventional, HELOC	6 +1 HELOCs	0.5%	85.7%	$523,333	View
First Independence Bank 7310 Woodward Ave, Detroit, MI 48202 A+5.0 ★Texas Ratio: 4.91%	Conventional	6	0.5%	100%	$483,333	View
Citizens Bank, NA 2580 S Rochester Rd, Rochester Hills, MI 48307 A+5.0 ★Texas Ratio: 5.44%	Conventional, FHA, Jumbo, HELOC	5 +110 HELOCs	0.4%	100%	$783,000	View
Vibe Credit Union 3082 Coolidge Hwy, Berkley, MI 48072 A+5.0 ★Texas Ratio: 5.97%	Conventional, HELOC	4 +1 HELOCs	0.3%	100%	$162,500	View
Comerica Bank 1412 N Rochester Rd, Rochester Hills, MI 48307 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	3 +22 HELOCs	0.3%	75%	$1,161,666	View
DFCU Financial 2910 Carpenter Rd, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 1.86%	Conventional, HELOC	3 +10 HELOCs	0.3%	60%	$108,333	View
Community Choice Credit Union 39440 W 14 Mile Rd, Commerce Township, MI 48390 3907 A+5.0 ★Texas Ratio: 5.61%	Conventional, HELOC	3 +5 HELOCs	0.3%	100%	$55,000	View
Dart Bank 2469 Cedar Street, Delhi Township, MI 48842 A-4.9 ★Texas Ratio: 16.59%	Conventional, FHA	3	0.3%	100%	$248,333	View
Consumers Credit Union 6081 B Dr N, Battle Creek, MI 49014 8367 A+5.0 ★Texas Ratio: 3.56%	Conventional, HELOC	2 +2 HELOCs	0.2%	100%	$255,000	View
Alliance Catholic Credit Union 7130 Allen Rd, Allen Park, MI 48101 A+5.0 ★Texas Ratio: 1.86%	Conventional	2	0.2%	100%	$430,000	View
Wells Fargo Bank NA 34100 Woodward Ave, Birmingham, MI 48009 A+5.0 ★Texas Ratio: 5.36%	Conventional	2	0.2%	100%	$320,000	View
Lafcu 1553 Lansing Rd, Charlotte, MI 48813 A+5.0 ★Texas Ratio: 1.86%	Conventional	2	0.2%	100%	$285,000	View
Michigan United Credit Union 3501 Hamlin Rd, Auburn Hills, MI 48326 A+5.0 ★Texas Ratio: 0.54%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$135,000	View
University of Michigan Credit Union 340 E Huron St, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 5.54%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$415,000	View
Monroe Community Credit Union 106 Park Pl, Dundee, MI 48131 1016 A+5.0 ★Texas Ratio: 1.13%	Conventional	1	0.1%	100%	$45,000	View
Parda Federal Credit Union 2601 Cambridge Ct Ste 210, Auburn Hills, MI 48326 2580 A+5.0 ★Texas Ratio: 2.80%	Conventional	1	0.1%	100%	$25,000	View
Kellogg Community Credit Union 41 2nd St, Battle Creek, MI 49014 6286 A+5.0 ★Texas Ratio: 1.68%	Conventional	1	0.1%	100%	$55,000	View
Sturgis Bank & Trust 232 W Monroe St, Bangor, MI 49013 A5.0 ★Texas Ratio: 9.46%	Conventional	1	0.1%	100%	$115,000	View
Lake Trust Credit Union ★ 1 stars, 1 review 2222 Packard St, Ann Arbor, MI 48104 6368 A5.0 ★Texas Ratio: 6.91%	Conventional	1	0.1%	100%	$55,000	View
Wildfire Credit Union 2936 Wilder Rd, Bay City, MI 48706 A+5.0 ★Texas Ratio: 3.16%	Conventional	1	0.1%	100%	$535,000	View
ChoiceOne Bank 5515 Van Dyke Rd, Almont, MI 48003 A+5.0 ★Texas Ratio: 5.45%	Conventional	1	0.1%	100%	$715,000	View
Financial Plus Credit Union 4129 N Euclid Ave, Bay City, MI 48706	Conventional	1	0.1%	100%	$65,000
Bank of Ann Arbor 125 S 5th Ave, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 1.88%	Conventional	1	0.1%	100%	$505,000	View
Community Financial 12483 State St, Atlanta, MI 49709	HELOC	0 +4 HELOCs	0%	n/a
Old National Bank 1422 S Winter St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 4.98%	HELOC	0 +1 HELOCs	0%	n/a		View
Loc Credit Union 1025 E Grand River Ave, Brighton, MI 48116 1803 A+5.0 ★Texas Ratio: 1.78%	HELOC	0 +1 HELOCs	0%	n/a		View
Michigan Educational Credit Union 4141 Jackson Rd, Ann Arbor, MI 48103 1827 A+5.0 ★Texas Ratio: 1.03%	HELOC	0 +1 HELOCs	0%	n/a		View
Nicolet National Bank 468 N Ripley Blvd, Alpena, MI 49707 A+5.0 ★Texas Ratio: 2.28%	HELOC	0 +1 HELOCs	0%	n/a		View
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	240 +10 HELOCs	20.2%	95.7%	$397,083
Rocket Mortgage	Conventional, FHA, VA, Jumbo	190	16%	91.5%	$306,947
Staunton Financial Inc	Conventional, VA	36	3%	97.3%	$436,388
Mortgage 1 Incorporated	Conventional, FHA	25	2.1%	100%	$343,800
Mortgage Center LC	Conventional, Jumbo	13	1.1%	86.7%	$423,461
Msu Federal Credit Union	Conventional, HELOC	10 +19 HELOCs	0.8%	100%	$265,000
Gold Star Mortgage Financial Group, Corporation	Conventional	6	0.5%	100%	$470,000
Ross Mortgage Corporation	Conventional, VA	6	0.5%	100%	$343,333
Legacy Mortgage	Conventional	5	0.4%	100%	$401,000
Ccf - Auburn Hills Branch	Conventional	3	0.3%	50%	$98,333
Polish-Am Federal Credit Union	Conventional	2	0.2%	100%	$60,000
Uif Corporation	Conventional	2	0.2%	66.7%	$485,000
Top Flite Financial, Inc.	FHA	2	0.2%	100%	$205,000
Michigan Mutual, Inc	FHA	1	0.1%	100%	$265,000
St. James Mortgage Corporation	Conventional	1	0.1%	100%	$175,000
The Loan Store, Inc	Conventional, HELOC	18 +4 HELOCs	1.5%	100%	$335,000
Newrez LLC	Conventional, FHA, VA	18	1.5%	81.8%	$294,444
Union Home Mortgage Corp.	Conventional, VA, HELOC	17 +1 HELOCs	1.4%	100%	$400,882
Guaranteed Rate, Inc.	Conventional, VA	17	1.4%	100%	$369,117
CrossCountry Mortgage, LLC	Conventional, FHA, VA, HELOC	16 +1 HELOCs	1.3%	88.9%	$403,125
Greenstate Credit Union	Conventional	15	1.3%	57.1%	$44,333
21St Mortgage	Conventional	13	1.1%	33.3%	$68,076
Nationstar Mortgage	Conventional	12	1%	86.7%	$92,500
Plaza Home Mortgage, Inc	Conventional, FHA	11	0.9%	100%	$326,818
loanDepot.com LLC	Conventional	9	0.8%	90.9%	$175,000
Provident Funding Associates	Conventional	7	0.6%	87.5%	$436,428
Mortgage Research Center	VA	7	0.6%	87.5%	$396,428
First Community Mortgage, Inc. A+5.0 ★Texas Ratio: 0.00%	Conventional, VA	5	0.4%	100%	$371,000	View
Zillow Home Loans, LLC	Conventional, FHA, VA	5	0.4%	100%	$253,000
Freedom Mortgage Corporation	VA	4	0.3%	71.4%	$330,000
Pennymac Loan Services LLC	Conventional, FHA, VA	4	0.3%	80%	$332,500
Cmg Mortgage Inc	Conventional, FHA	4	0.3%	100%	$317,500
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	4	0.3%	100%	$335,000	View
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	4	0.3%	100%	$222,500	View
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	4	0.3%	100%	$97,500	View
The Mortgage Link, Inc.	Conventional	4	0.3%	100%	$425,000
Spring Eq, LLC	Conventional, HELOC	3 +5 HELOCs	0.3%	37.5%	$78,333
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	3 +4 HELOCs	0.3%	50%	$88,333	View
Navy Federal Credit Union	Conventional, VA, HELOC	3 +3 HELOCs	0.3%	75%	$288,333
US Bank, N.A. A+5.0 ★Texas Ratio: 2.85%	Conventional, HELOC	3 +1 HELOCs	0.3%	100%	$145,000	View
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, Jumbo	3	0.3%	100%	$395,000	View
Residential Wholesale Mortgage	Conventional	3	0.3%	100%	$245,000
Everett Financial, Inc.	Conventional, VA	3	0.3%	100%	$478,333
Triad Financial Services, Inc.	Conventional	3	0.3%	40%	$38,333
Discover Bank	Conventional	3	0.3%	25%	$95,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	3	0.3%	100%	$395,000	View
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional	2	0.2%	100%	$420,000	View
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional	2	0.2%	100%	$320,000	View
Lakeview Loan Servicing, LLC	Conventional	2	0.2%	44.4%	$195,000
Sage Home Loans Corporation	Conventional	2	0.2%	100%	$380,000
Kind Lending, LLC	Conventional, VA	2	0.2%	100%	$465,000
Guidance Residential, LLC	Conventional	2	0.2%	100%	$340,000
Amerisave Mortgage Company	Conventional	2	0.2%	18.2%	$60,000
American Financial Network, Inc.	Conventional	2	0.2%	100%	$260,000
The Anderson Financial Group, Inc.	Conventional	2	0.2%	100%	$285,000
Mutual of Omaha Mortgage	Conventional, VA	2	0.2%	60%	$440,000
Tomo Mortgage LLC	Conventional	2	0.2%	100%	$300,000
Champions Funding, LLC	Conventional	2	0.2%	33.3%	$265,000
Better Mortgage Corporation	Conventional, HELOC	1 +3 HELOCs	0.1%	33.3%	$295,000
Alliant Credit Union	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$175,000
Arc Home LLC	Conventional	1	0.1%	100%	$355,000
Cornerstone First Mortgage, LLC	Conventional	1	0.1%	100%	$385,000
Guaranteed Rate Affinity, LLC	Conventional	1	0.1%	100%	$605,000
Zippy Loans, LLC	Conventional	1	0.1%	100%	$75,000
Primelending	Conventional	1	0.1%	100%	$155,000
Watermark Capital, Inc.	Conventional	1	0.1%	100%	$315,000
AAA Capital Investment, Inc	Conventional	1	0.1%	100%	$705,000
Nbkc Bank	Conventional	1	0.1%	100%	$455,000
Pacific Lending LLC	Conventional	1	0.1%	100%	$335,000
AmeriHome Mortgage Company, LLC	Conventional	1	0.1%	100%	$275,000
Filo Mortgage, LLC	Conventional	1	0.1%	100%	$345,000
Resicentral LLC	Conventional	1	0.1%	100%	$505,000
Deephaven Mortgage LLC	Conventional	1	0.1%	50%	$185,000
AdvantageFirst Lending Inc	FHA	1	0.1%	100%	$185,000
AmWest Funding Corp	Conventional	1	0.1%	100%	$435,000
Real Genius LLC	Conventional	1	0.1%	100%	$335,000
Stg Mortgage Inc	Conventional	1	0.1%	100%	$275,000
EastRise Federal Credit Union A+5.0 ★Texas Ratio: 3.84%	Conventional	1	0.1%	100%	$385,000
Leader Bank NA A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0.1%	100%	$435,000	View
Planet Home Lending, LLC	Conventional	1	0.1%	100%	$35,000
United Home Loans, Inc. A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	100%	$475,000	View
Waterman Bank A5.0 ★Texas Ratio: 8.69%	Conventional	1	0.1%	100%	$315,000	View
American Pacific Mortgage Corporation	Conventional	1	0.1%	100%	$375,000
Arvest Bank A5.0 ★Texas Ratio: 7.48%	VA	1	0.1%	100%	$325,000	View
Baxter Credit Union	Conventional	1	0.1%	100%	$55,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional	1	0.1%	100%	$355,000	View
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional	1	0.1%	100%	$525,000	View
Empeople Credit Union	Conventional	1	0.1%	100%	$425,000
Stockton Mortgage Corporation	Conventional	1	0.1%	100%	$285,000
Pike Creek Mortgage Services, Inc.	Conventional	1	0.1%	100%	$425,000
1st National Bank	Conventional	1	0.1%	100%	$195,000
Citadel Servicing Corporation	Conventional	1	0.1%	100%	$805,000
Prosperity Home Mortgage, LLC	Conventional	1	0.1%	50%	$225,000
Sunflower Bank, N.A. A5.0 ★Texas Ratio: 10.77%	Conventional	1	0.1%	100%	$275,000	View
Angel Oak Mortgage Solutions LLC	Conventional	1	0.1%	100%	$465,000
Nexera Holding LLC	Conventional	1	0.1%	100%	$325,000
Carrington Mortgage Services LLC	Conventional	1	0.1%	50%	$305,000
Texana Bank	VA	1	0.1%	100%	$255,000
Ark-La-Tex Financial Services LLC	Conventional	1	0.1%	100%	$565,000
Village Capital & Investment	FHA	1	0.1%	50%	$505,000
Figure Lending LLC	HELOC	0 +12 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +8 HELOCs	0%	n/a		View
Pentagon Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +2 HELOCs	0%	n/a
Goodleap, LLC	HELOC	0 +1 HELOCs	0%	n/a
Usalliance Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Valon Mortgage	HELOC	0 +1 HELOCs	0%	n/a
HomeBridge Financial Services, Inc	HELOC	0 +1 HELOCs	0%	n/a
First Savings Bank	HELOC	0 +1 HELOCs	0%	n/a
Wings Financial Credit Union	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 8, 2026.

Rochester Hills Mortgage Rate Trends

Daily average mortgage rates for Michigan compared with the national average, updated every evening.

30-Year Fixed MI Avg

7.495%

▲ 0.082 vs 7 days ago

15-Year Fixed MI Avg

7.088%

▲ 0.096 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Rochester Hills, Michigan

Looking for mortgage lenders near me or mortgage brokers near me in Rochester Hills? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Rochester Hills in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Rochester Hills, MI

Use these to narrow the list above. Each category shows how many Rochester Hills, MI lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 76 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 42 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 35 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 17 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 20 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 11 lenders. Loans above the conforming limit for higher priced homes Local lenders based in MI 48 lenders headquartered in Michigan, the closest thing to a mortgage lender near you

Who Lends in Rochester Hills, MI

Independent mortgage companies closed 63.3 percent of home loans in Rochester Hills, Michigan in 2025, banks 18.3 percent and credit unions 18.3 percent. Member First Mortgage, LLC was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Michigan Schools and Governmen the largest credit union. Among lenders headquartered in Michigan, Flagstar Bank NA led with 13 loans.

63.3%

Mortgage companies

18.3%

Banks

18.3%

Credit unions

FHA loans

VA 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

All Michigan lenders 765 lenders Detroit 207 lenders Grand Rapids 201 lenders Warren 178 lenders Lansing 167 lenders Sterling Heights 175 lenders Livonia 179 lenders St. Clair Shores 138 lenders Westland 144 lenders Royal Oak 148 lenders Wyoming 152 lenders Troy 145 lenders Ann Arbor 156 lenders

Frequently Asked Questions About Mortgage Lenders in Rochester Hills, MI

Who is the largest mortgage lender in Rochester Hills, MI?

By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Rochester Hills, Michigan with 48 loans, about 4 percent of the market. The largest lender headquartered in Michigan was Flagstar Bank NA with 13 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Rochester Hills, MI have the highest approval rates?

Among lenders with meaningful volume in Rochester Hills, Michigan, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 95.7 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.

Which Rochester Hills, MI mortgage lenders offer FHA, VA and USDA loans?

17 lenders closed FHA loans in Rochester Hills, Michigan in 2025, led by Rocket Mortgage with 17. 20 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.

Are credit unions and local banks included in this Rochester Hills, MI lender list?

Yes. 42 banks and 35 credit unions closed home loans in Rochester Hills, Michigan in 2025, alongside 76 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.

How are mortgage lenders in Rochester Hills, MI ranked on this page?

Lenders are ranked only by the number of home loans they closed in Rochester Hills, 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 Hills, 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 Hills. 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.