Mortgage Lenders and Brokers in Rockford, 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
Rockford, Michigan mortgage lenders include Independent BankIndependent Bank78 S Main St, Rockford, MI 49341A5.0 ★Texas Ratio: 6.46%, Fifth Third Bank, National AssociationFifth Third Bank, National Association2805 10 Mile Rd Ne, Rockford, MI 49341A+5.0 ★Texas Ratio: 3.22%, ChoiceOne BankChoiceOne Bank6795 Courtland Dr Ne, Rockford, MI 49341A+5.0 ★Texas Ratio: 5.45%, Huntington National BankHuntington National Bank6835 Belding Rd Ne, Rockford, MI 49341A+5.0 ★Texas Ratio: 3.66%, Macatawa Bank, N.A.Macatawa Bank, N.A.2820 10 Mile Rd Ne, Rockford, MI 49341A+5.0 ★Texas Ratio: 0.50%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA23 S Main St, Rockford, MI 49341A+5.0 ★Texas Ratio: 3.68%, United Bank of MichiganUnited Bank of Michigan155 Marcell Dr Ne, Rockford, MI 49341A+5.0 ★Texas Ratio: 0.48%, PNC Bank N.A.PNC Bank N.A.501 E Division St, Rockford, MI 49341A+5.0 ★Texas Ratio: 4.24%, Lake Michigan Credit UnionLake Michigan Credit Union2335 10 mile Rd NE, Rockford, MI 49341 7106, and Mercantile BankMercantile Bank230 Woodworth Ave, Alma, MI 48801A+5.0 ★Texas Ratio: 0.63%. 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 Rockford, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Rockford 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 Rockford, Michigan
Market share is the lender's share of all home loans closed in Rockford, 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 Rockford 78 S Main St, Rockford, MI 49341 A5.0 ★Texas Ratio: 6.46% |
Conventional, Jumbo, HELOC | 12 +10 HELOCs |
4.1% | 92.3% | $378,333 | View |
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1 office in Rockford 2805 10 Mile Rd Ne, Rockford, MI 49341 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 7 +15 HELOCs |
2.4% | 100% | $250,714 | View |
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1 office in Rockford 6795 Courtland Dr Ne, Rockford, MI 49341 A+5.0 ★Texas Ratio: 5.45% |
Conventional | 6 | 2.1% | 100% | $155,000 | View |
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1 office in Rockford 6835 Belding Rd Ne, Rockford, MI 49341 A+5.0 ★Texas Ratio: 3.66% |
Conventional, HELOC | 2 +14 HELOCs |
0.7% | 100% | $345,000 | View |
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1 office in Rockford 2820 10 Mile Rd Ne, Rockford, MI 49341 A+5.0 ★Texas Ratio: 0.50% |
Conventional | 2 | 0.7% | 100% | $115,000 | View |
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1 office in Rockford 23 S Main St, Rockford, MI 49341 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.3% | 100% | $105,000 | View |
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1 office in Rockford 155 Marcell Dr Ne, Rockford, MI 49341 A+5.0 ★Texas Ratio: 0.48% |
Conventional | 1 | 0.3% | 100% | $75,000 | View |
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★ 1.7 stars, 3 reviews 1 office in Rockford 501 E Division St, Rockford, MI 49341 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Lake Michigan Credit Union
2335 10 mile Rd NE, Rockford, MI 49341 7106 |
Conventional, HELOC | 55 +55 HELOCs |
18.8% | 98.2% | $255,545 | |
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230 Woodworth Ave, Alma, MI 48801 A+5.0 ★Texas Ratio: 0.63% |
Conventional, FHA, HELOC | 15 +5 HELOCs |
5.1% | 93.8% | $318,333 | View |
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6081 B Dr N, Battle Creek, MI 49014 8367 A+5.0 ★Texas Ratio: 3.56% |
Conventional, HELOC | 7 +4 HELOCs |
2.4% | 100% | $356,428 | View |
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1422 S Winter St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 4.98% |
Conventional, HELOC | 6 +1 HELOCs |
2.1% | 85.7% | $298,333 | View |
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2469 Cedar Street, Delhi Township, MI 48842 A-4.9 ★Texas Ratio: 16.59% |
Conventional, HELOC | 6 +1 HELOCs |
2.1% | 100% | $276,666 | View |
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3333 Deposit Dr Ne, Grand Rapids, MI 49546 A5.0 ★Texas Ratio: 8.47% |
Conventional, FHA, HELOC | 5 +4 HELOCs |
1.7% | 83.3% | $409,000 | View |
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20645 Gibraltar Rd, Brownstown Twp, MI 48183 A+5.0 ★Texas Ratio: 4.92% |
Conventional | 3 | 1% | 100% | $451,666 | View |
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2745 10 Mile Rd NE Ste H, Rockford, MI 49341 7016 A+5.0 ★Texas Ratio: 2.16% |
Conventional | 3 | 1% | 75% | $228,333 | View |
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2910 Carpenter Rd, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 1.86% |
Conventional | 3 | 1% | 100% | $108,333 | View |
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14049 Lindsey Pvt Ln, Dewitt, MI 48820 A+5.0 ★Texas Ratio: 4.17% |
Conventional, HELOC | 2 +2 HELOCs |
0.7% | 100% | $100,000 | View |
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2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54% |
Conventional, HELOC | 2 +1 HELOCs |
0.7% | 100% | $365,000 | View |
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2151 W Stadium Blvd, Ann Arbor, MI 48103 4543 A+5.0 ★Texas Ratio: 3.99% |
Conventional | 2 | 0.7% | 100% | $255,000 | View |
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13819 White Creek Ave NE, Cedar Springs, MI 49319 A+5.0 ★Texas Ratio: 2.03% |
Conventional | 2 | 0.7% | 100% | $95,000 | View |
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3233 Fairlane Dr, Allen Park, MI 48101 D3.3 ★Texas Ratio: 35.11% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $55,000 | View |
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144 W Huron Rd, Au Gres, MI 48703 A+5.0 ★Texas Ratio: 4.40% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $455,000 | View |
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9265 Cherry Valley Ave Se, Caledonia, MI 49316 A+5.0 ★Texas Ratio: 0.33% |
Conventional | 1 | 0.3% | 100% | $465,000 | View |
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7473 Storey Rd, Belding, MI 48809 9360 A+5.0 ★Texas Ratio: 1.25% |
Conventional | 1 | 0.3% | 100% | $105,000 | View |
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340 E Huron St, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 5.54% |
Conventional | 1 | 0.3% | 100% | $275,000 | View |
Dow Credit Union
600 E Lyon Rd, Midland, MI 48640 5396 |
Conventional | 1 | 0.3% | 100% | $265,000 | |
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1380 S Main St, Adrian, MI 49221 B-4.3 ★Texas Ratio: 23.94% |
Conventional | 1 | 0.3% | 100% | $395,000 | View |
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201 S Superior Ave, Baraga, MI 49908 A+5.0 ★Texas Ratio: 4.32% |
Conventional | 1 | 0.3% | 100% | $465,000 | View |
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3 N Monroe ST, Rockford, MI 49341 1227 A+5.0 ★Texas Ratio: 2.21% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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2550 Capital Ave SW, Battle Creek, MI 49015 A+5.0 ★Texas Ratio: 5.38% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Rocket Mortgage
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Conventional, FHA, VA | 25 | 8.6% | 96.7% | $232,600 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 22 | 7.5% | 100% | $366,363 | |
Mortgage 1 Incorporated
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Conventional, FHA | 4 | 1.4% | 100% | $257,500 | |
Mortgage Center LC
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Conventional | 3 | 1% | 100% | $458,333 | |
Msu Federal Credit Union
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Conventional, HELOC | 1 +2 HELOCs |
0.3% | 100% | $265,000 | |
Northern Mortgage Services, LLC
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Conventional | 1 | 0.3% | 50% | $295,000 | |
Success Mortgage Partners, Inc
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Conventional | 1 | 0.3% | 100% | $215,000 | |
GreenStone Farm Credit Services
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Conventional, Jumbo | 1 | 0.3% | 100% | $985,000 | |
21St Mortgage
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Conventional | 14 | 4.8% | 64% | $67,857 | |
Guild Mortgage Company
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Conventional | 6 | 2.1% | 100% | $363,333 | |
Ark-La-Tex Financial Services LLC
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Conventional, HELOC | 4 +1 HELOCs |
1.4% | 100% | $242,500 | |
Freedom Mortgage Corporation
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Conventional, VA | 4 | 1.4% | 100% | $427,500 | |
Fairway Independent Mort Corp
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Conventional, USDA | 4 | 1.4% | 100% | $292,500 | |
Navy Federal Credit Union
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Conventional, VA | 4 | 1.4% | 100% | $217,500 | |
Triad Financial Services, Inc.
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Conventional | 3 | 1% | 44.4% | $71,666 | |
Amerisave Mortgage Company
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Conventional | 3 | 1% | 42.9% | $295,000 | |
American Pacific Mortgage Corporation
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Conventional, FHA | 3 | 1% | 100% | $358,333 | |
Mortgage Research Center
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Conventional, FHA, VA | 3 | 1% | 75% | $238,333 | |
Newrez LLC
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Conventional | 2 | 0.7% | 100% | $105,000 | |
Pennymac Loan Services LLC
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Conventional, VA | 2 | 0.7% | 100% | $355,000 | |
Union Home Mortgage Corp.
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Conventional | 2 | 0.7% | 100% | $355,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 2 | 0.7% | 66.7% | $410,000 | View |
Churchill Mortgage Corporation
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Conventional | 2 | 0.7% | 100% | $325,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 2 | 0.7% | 100% | $240,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 2 | 0.7% | 100% | $360,000 | View |
Spring Eq, LLC
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Conventional | 2 | 0.7% | 50% | $75,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.3% | 100% | $245,000 | View |
American Financial Resources LLC
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Conventional | 1 | 0.3% | 100% | $245,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.3% | 100% | $505,000 | View |
Canopy Mortgage, LLC
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VA | 1 | 0.3% | 100% | $735,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.3% | 100% | $365,000 | |
Gvc Mortgage, Inc.
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Conventional | 1 | 0.3% | 100% | $435,000 | |
Nbkc Bank
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Conventional | 1 | 0.3% | 100% | $405,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $305,000 | |
Loanunited.Com, LLC
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FHA | 1 | 0.3% | 100% | $365,000 | |
loanDepot.com LLC
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Conventional | 1 | 0.3% | 100% | $405,000 | |
Plus Relocation Mortgage, LLC
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VA | 1 | 0.3% | 100% | $445,000 | |
Cmg Mortgage Inc
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Conventional | 1 | 0.3% | 100% | $435,000 | |
PFN Lending Group, Inc.
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Conventional | 1 | 0.3% | 100% | $195,000 | |
Sun West Mortgage Company, Inc
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Conventional | 1 | 0.3% | 100% | $155,000 | |
American Financing Corporation
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FHA | 1 | 0.3% | 100% | $405,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.3% | 100% | $225,000 | View |
Nationstar Mortgage
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Conventional | 1 | 0.3% | 100% | $75,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $185,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.3% | 100% | $385,000 | |
Village Capital & Investment
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VA | 1 | 0.3% | 100% | $365,000 | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Rockford 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 Rockford, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Rockford? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Rockford in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Rockford, MI
Use these to narrow the list above. Each category shows how many Rockford, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Rockford, MI
Independent mortgage companies closed 43.5 percent of home loans in Rockford, Michigan in 2025, banks 25.7 percent and credit unions 30.8 percent. Rocket Mortgage was the largest mortgage company, Independent Bank the largest bank and Lake Michigan Credit Union the largest credit union. Among lenders headquartered in Michigan, Independent Bank led with 12 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 Rockford, MI
By home loans closed in 2025, Independent Bank was the largest mortgage lender in Rockford, Michigan with 12 loans, about 4.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Rockford, Michigan, Lake Michigan Credit Union approved the highest share of completed applications in 2025 at 98.2 percent, against a 91 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.
9 lenders closed FHA loans in Rockford, Michigan in 2025, led by United Wholesale Mortgage with 3. 10 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. 22 banks and 18 credit unions closed home loans in Rockford, Michigan in 2025, alongside 41 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 Rockford, 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 Rockford, 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 Rockford. 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.
