Mortgage Lenders and Brokers in Saginaw, 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
Saginaw, Michigan mortgage lenders include Huntington National BankHuntington National Bank101 N Washington Ave, Saginaw, MI 48607A+5.0 ★Texas Ratio: 3.66%, Independent BankIndependent Bank3601 State St, Saginaw, MI 48602A5.0 ★Texas Ratio: 6.46%, 1St State Bank1St State Bank5424 State St, Saginaw, MI 48603A+5.0 ★Texas Ratio: 2.15%, Wildfire Credit UnionWildfire Credit Union6640 Bay Rd, Saginaw, MI 48604A+5.0 ★Texas Ratio: 3.16%, Family First CUFamily First CU1011 N Michigan Ave, Saginaw, MI 48602 4326A5.0 ★Texas Ratio: 11.67%, Jolt Credit UnionJolt Credit Union6180 State St, Saginaw, MI 48603A+5.0 ★Texas Ratio: 2.11%, United Financial Credit UnionUnited Financial Credit Union4685 STATE ST, SAGINAW, MI 48603A+5.0 ★Texas Ratio: 4.11%, Lake Huron Credit UnionLake Huron Credit Union1540 Tittabawassee Rd, Saginaw, MI 48604 9445A5.0 ★Texas Ratio: 6.25%, Fifth Third Bank, National AssociationFifth Third Bank, National Association3390 Tittabawassee Rd, Saginaw, MI 48604A+5.0 ★Texas Ratio: 3.22%, and Isabella BankIsabella Bank203 E Genesee Ave, Saginaw, MI 48607A+5.0 ★Texas Ratio: 4.10%. 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 Saginaw, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Saginaw 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 Saginaw, Michigan
Market share is the lender's share of all home loans closed in Saginaw, 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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5 offices in Saginaw 101 N Washington Ave, Saginaw, MI 48607 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, HELOC | 21 +33 HELOCs |
4.5% | 55% | $79,285 | View |
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3 offices in Saginaw 3601 State St, Saginaw, MI 48602 A5.0 ★Texas Ratio: 6.46% |
Conventional, FHA, HELOC | 16 +1 HELOCs |
3.4% | 72.7% | $95,625 | View |
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5424 State St, Saginaw, MI 48603 A+5.0 ★Texas Ratio: 2.15% |
Conventional | 12 | 2.6% | 85.7% | $87,500 | View |
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6640 Bay Rd, Saginaw, MI 48604 A+5.0 ★Texas Ratio: 3.16% |
Conventional | 11 | 2.4% | 73.3% | $56,818 | View |
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1011 N Michigan Ave, Saginaw, MI 48602 4326 A5.0 ★Texas Ratio: 11.67% |
Conventional | 10 | 2.2% | 66.7% | $30,000 | View |
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6180 State St, Saginaw, MI 48603 A+5.0 ★Texas Ratio: 2.11% |
Conventional | 9 | 1.9% | 81.8% | $52,777 | View |
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4685 STATE ST, SAGINAW, MI 48603 A+5.0 ★Texas Ratio: 4.11% |
Conventional | 8 | 1.7% | 88.9% | $80,000 | View |
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1540 Tittabawassee Rd, Saginaw, MI 48604 9445 A5.0 ★Texas Ratio: 6.25% |
Conventional | 8 | 1.7% | 72.7% | $107,500 | View |
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1 office in Saginaw 3390 Tittabawassee Rd, Saginaw, MI 48604 A+5.0 ★Texas Ratio: 3.22% |
Conventional, FHA, HELOC | 5 +5 HELOCs |
1.1% | 100% | $125,000 | View |
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3 offices in Saginaw 203 E Genesee Ave, Saginaw, MI 48607 A+5.0 ★Texas Ratio: 4.10% |
Conventional, HELOC | 3 +1 HELOCs |
0.6% | 25% | $158,333 | View |
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520 HAYDEN ST, SAGINAW, MI 48607 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 3 | 0.6% | 100% | $81,666 | View |
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★ 1.7 stars, 3 reviews 2 offices in Saginaw 2322 Tittabawassee Rd, Saginaw, MI 48604 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 2 +3 HELOCs |
0.4% | 100% | $75,000 | View |
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3 offices in Saginaw 821 Court St, Saginaw, MI 48602 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.4% | 100% | $40,000 | View |
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2 offices in Saginaw 218 S Washington Ave, Saginaw, MI 48607 A+5.0 ★Texas Ratio: 5.45% |
Conventional | 2 | 0.4% | 100% | $75,000 | View |
Health Advantage Federal Credi
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Conventional | 5 | 1.1% | 100% | $67,000 | |
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2796 Erna Dr, Saginaw, MI 48603 A5.0 ★Texas Ratio: 8.18% |
Conventional, HELOC | 31 +3 HELOCs |
6.7% | 96.9% | $77,258 | View |
Lake Michigan Credit Union
5430 State St, Saginaw, MI 48603 |
Conventional, FHA, HELOC | 18 +5 HELOCs |
3.9% | 94.7% | $114,444 | |
Financial Plus Credit Union
4686 Fashion Square Blvd, Saginaw, MI 48604 |
Conventional | 14 | 3% | 38.9% | $56,428 | |
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4955 Bay Rd, Saginaw, MI 48604 A+5.0 ★Texas Ratio: 4.54% |
Conventional | 5 | 1.1% | 83.3% | $105,000 | View |
Dow Credit Union
5420 Gratiot Rd, Saginaw, MI 48638 6056 |
Conventional | 5 | 1.1% | 100% | $75,000 | |
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2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54% |
Conventional, HELOC | 3 +1 HELOCs |
0.6% | 100% | $68,333 | View |
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2469 Cedar Street, Delhi Township, MI 48842 A-4.9 ★Texas Ratio: 16.59% |
Conventional, FHA | 3 | 0.6% | 75% | $108,333 | View |
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2686 McLeod Dr N, Saginaw, MI 48604 A+5.0 ★Texas Ratio: 4.72% |
Conventional | 3 | 0.6% | 100% | $91,666 | View |
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5444 State Street, Saginaw, MI 48603 A+5.0 ★Texas Ratio: 0.63% |
Conventional | 3 | 0.6% | 100% | $71,666 | View |
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1700 Court St, Saginaw, MI 48602 4071 A+5.0 ★Texas Ratio: 3.02% |
Conventional | 2 | 0.4% | 100% | $35,000 | View |
Member First Mortgage, LLC
4955 Bay Rd, Saginaw, MI 48604 |
Conventional | 2 | 0.4% | 100% | $130,000 | |
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144 W Huron Rd, Au Gres, MI 48703 A+5.0 ★Texas Ratio: 4.40% |
Conventional, FHA | 2 | 0.4% | 100% | $100,000 | View |
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455 E Eisenhower Pkwy, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $165,000 | View |
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3233 Fairlane Dr, Allen Park, MI 48101 D3.3 ★Texas Ratio: 35.11% |
FHA | 1 | 0.2% | 50% | $165,000 | View |
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20645 Gibraltar Rd, Brownstown Twp, MI 48183 A+5.0 ★Texas Ratio: 4.92% |
Conventional | 1 | 0.2% | 100% | $65,000 | View |
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39440 W 14 Mile Rd, Commerce Township, MI 48390 3907 A+5.0 ★Texas Ratio: 5.61% |
Conventional | 1 | 0.2% | 100% | $45,000 | View |
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3140 Ivanrest AVE SW, Grandville, MI 49418 A+5.0 ★Texas Ratio: 5.83% |
Conventional | 1 | 0.2% | 100% | $105,000 | View |
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1025 E Grand River Ave, Brighton, MI 48116 1803 A+5.0 ★Texas Ratio: 1.78% |
Conventional | 1 | 0.2% | 100% | $35,000 | View |
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2882 Schust Rd, Saginaw, MI 48603 A+5.0 ★Texas Ratio: 5.96% |
Conventional | 1 | 0.2% | 28.6% | $45,000 | View |
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1380 S Main St, Adrian, MI 49221 B-4.3 ★Texas Ratio: 23.94% |
Conventional | 1 | 0.2% | 100% | $75,000 | View |
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2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54% |
FHA | 1 | 0.2% | 100% | $145,000 | 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 | |
Rocket Mortgage
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Conventional, FHA, VA | 44 | 9.5% | 73.8% | $92,272 | |
Staunton Financial Inc
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Conventional, FHA | 33 | 7.1% | 97.1% | $121,666 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 21 | 4.5% | 91.7% | $127,857 | |
Legacy Mortgage
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Conventional, FHA | 17 | 3.7% | 100% | $109,117 | |
BLG Holdings, LLC
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Conventional, FHA, VA | 11 | 2.4% | 100% | $126,818 | |
Gold Star Mortgage Financial Group, Corporation
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FHA | 3 | 0.6% | 100% | $158,333 | |
Mortgage Center LC
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Conventional | 3 | 0.6% | 100% | $45,000 | |
Success Mortgage Partners, Inc
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Conventional, FHA | 2 | 0.4% | 100% | $45,000 | |
Ross Mortgage Corporation
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FHA, VA | 2 | 0.4% | 100% | $130,000 | |
Top Flite Financial, Inc.
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FHA | 2 | 0.4% | 100% | $120,000 | |
Mortgage 1 Incorporated
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FHA | 1 | 0.2% | 100% | $85,000 | |
VanDyk Mortgage Corporation
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FHA | 1 | 0.2% | 100% | $105,000 | |
Mortgage Research Center
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VA | 7 | 1.5% | 36.8% | $146,428 | |
Mortgage300 Corporation
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Conventional, FHA | 6 | 1.3% | 100% | $135,000 | |
Southwest Funding LP
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Conventional, FHA | 5 | 1.1% | 100% | $91,000 | |
New American Funding, LLC.
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Conventional, FHA, HELOC | 4 +1 HELOCs |
0.9% | 57.1% | $182,500 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 4 | 0.9% | 80% | $105,000 | |
Newrez LLC
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Conventional, FHA, VA | 4 | 0.9% | 100% | $135,000 | |
loanDepot.com LLC
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Conventional, FHA | 4 | 0.9% | 44.4% | $62,500 | |
Pennymac Loan Services LLC
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FHA, VA | 4 | 0.9% | 57.1% | $182,500 | |
Das Acquisition Company, LLC
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Conventional, FHA | 4 | 0.9% | 100% | $87,500 | |
Geneva Financial LLC
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Conventional, FHA | 4 | 0.9% | 100% | $90,000 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA | 4 | 0.9% | 80% | $117,500 | |
Navy Federal Credit Union
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Conventional, VA | 4 | 0.9% | 66.7% | $100,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional, FHA | 3 | 0.6% | 100% | $118,333 | View |
Everett Financial, Inc.
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Conventional, FHA | 3 | 0.6% | 100% | $68,333 | |
Freedom Mortgage Corporation
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FHA, VA | 3 | 0.6% | 100% | $175,000 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 3 | 0.6% | 100% | $98,333 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 2 | 0.4% | 100% | $95,000 | |
Movement Mortgage, LLC
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Conventional, FHA | 2 | 0.4% | 100% | $90,000 | |
myCUmortgage
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FHA | 2 | 0.4% | 100% | $115,000 | |
Union Home Mortgage Corp.
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Conventional, FHA | 2 | 0.4% | 100% | $85,000 | |
Pentagon Federal Credit Union
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Conventional | 2 | 0.4% | 100% | $180,000 | |
Genway Home Mortgage, Inc.
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Conventional, FHA | 2 | 0.4% | 100% | $50,000 | |
Zillow Home Loans, LLC
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Conventional | 2 | 0.4% | 100% | $105,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.2% | 25% | $55,000 | View |
American Financial Resources LLC
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VA | 1 | 0.2% | 100% | $105,000 | |
Royal United Mortgage LLC
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FHA | 1 | 0.2% | 33.3% | $45,000 | |
Primelending
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FHA | 1 | 0.2% | 100% | $155,000 | |
Goodleap, LLC
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FHA | 1 | 0.2% | 100% | $65,000 | |
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A+5.0 ★Texas Ratio: 4.31% |
Conventional | 1 | 0.2% | 100% | $235,000 | View |
Equity Prime Mortgage LLC
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VA | 1 | 0.2% | 100% | $265,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.2% | 100% | $155,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.2% | 66.7% | $55,000 | |
Amerisave Mortgage Company
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FHA | 1 | 0.2% | 6.7% | $65,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.2% | 100% | $55,000 | |
American Financial Network, Inc.
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FHA | 1 | 0.2% | 100% | $105,000 | |
PFN Lending Group, Inc.
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VA | 1 | 0.2% | 100% | $125,000 | |
Discover Bank
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Conventional | 1 | 0.2% | 33.3% | $35,000 | |
American Financing Corporation
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Conventional | 1 | 0.2% | 50% | $45,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.2% | 100% | $155,000 | View |
BoxCar Mortgage, LLC
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FHA | 1 | 0.2% | 100% | $55,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 1 | 0.2% | 100% | $115,000 | View |
Nationstar Mortgage
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Conventional | 1 | 0.2% | 50% | $75,000 | |
Mutual of Omaha Mortgage
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FHA | 1 | 0.2% | 100% | $135,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
Conventional | 1 | 0.2% | 33.3% | $125,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.2% | 100% | $175,000 | View |
Carrington Mortgage Services LLC
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FHA | 1 | 0.2% | 66.7% | $135,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.2% | 100% | $105,000 | View |
Spring Eq, LLC
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Conventional | 1 | 0.2% | 50% | $45,000 | |
The Mortgage Link, Inc.
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Conventional | 1 | 0.2% | 100% | $145,000 | |
Village Capital & Investment
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VA | 1 | 0.2% | 50% | $165,000 | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
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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 | ||
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A+5.0 ★Texas Ratio: 3.54% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Saginaw 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 Saginaw, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Saginaw? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Saginaw in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Saginaw, MI
Use these to narrow the list above. Each category shows how many Saginaw, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Saginaw, MI
Independent mortgage companies closed 48.9 percent of home loans in Saginaw, Michigan in 2025, banks 18.5 percent and credit unions 32.5 percent. Member First Mortgage, LLC was the largest mortgage company, Huntington National Bank the largest bank and Wildfire Credit Union the largest credit union. Among lenders headquartered in Michigan, Independent Bank led with 16 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 Saginaw, MI
By home loans closed in 2025, Huntington National Bank was the largest mortgage lender in Saginaw, Michigan with 21 loans, about 4.5 percent of the market. The largest lender headquartered in Michigan was Independent Bank with 16 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
47 lenders closed FHA loans in Saginaw, Michigan in 2025, led by Staunton Financial Inc with 21. 16 lenders closed VA loans, led by Mortgage Research Center. 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. 26 banks and 25 credit unions closed home loans in Saginaw, Michigan in 2025, alongside 52 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 Saginaw, 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 Saginaw, 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 Saginaw. 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.
