Mortgage Lenders and Brokers in Southgate, 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
Southgate, Michigan mortgage lenders include Flagstar Bank NAFlagstar Bank NA15783 Eureka Rd, Southgate, MI 48195D3.3 ★Texas Ratio: 35.11%, Huntington National BankHuntington National Bank16350 Fort St, Southgate, MI 48195A+5.0 ★Texas Ratio: 3.66%, Citizens Bank, NACitizens Bank, NA14600 Fort St, Southgate, MI 48195A+5.0 ★Texas Ratio: 5.44%, PNC Bank N.A.PNC Bank N.A.14951 Dix Toledo Rd, Southgate, MI 48195A+5.0 ★Texas Ratio: 4.24%, Bank of America NABank of America NA13763 Northline Rd, Southgate, MI 48195A+5.0 ★Texas Ratio: 4.14%, Advantage One Credit UnionAdvantage One Credit Union13050 Fort St, Southgate, MI 48195A+5.0 ★Texas Ratio: 5.43%, DFCU FinancialDFCU Financial2910 Carpenter Rd, Ann Arbor, MI 48108A+5.0 ★Texas Ratio: 1.86%, Zeal Credit UnionZeal Credit Union16225 Fort St, Southgate, MI 48195A+5.0 ★Texas Ratio: 4.89%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA455 Ada Dr Se, Ada, MI 49301A+5.0 ★Texas Ratio: 3.68%, and Public Service Credit UnionPublic Service Credit Union3044 W Grand Blvd Ste L 350, Detroit, MI 48202 3142A+5.0 ★Texas Ratio: 5.17%. 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 Southgate, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Southgate 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 Southgate, Michigan
Market share is the lender's share of all home loans closed in Southgate, 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 Southgate 15783 Eureka Rd, Southgate, MI 48195 D3.3 ★Texas Ratio: 35.11% |
Conventional, FHA, HELOC | 12 +2 HELOCs |
2.1% | 85.7% | $164,166 | View |
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1 office in Southgate 16350 Fort St, Southgate, MI 48195 A+5.0 ★Texas Ratio: 3.66% |
Conventional, HELOC | 9 +5 HELOCs |
1.6% | 75% | $217,222 | View |
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1 office in Southgate 14600 Fort St, Southgate, MI 48195 A+5.0 ★Texas Ratio: 5.44% |
Conventional, FHA, HELOC | 2 +20 HELOCs |
0.4% | 100% | $135,000 | View |
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★ 1.7 stars, 3 reviews 1 office in Southgate 14951 Dix Toledo Rd, Southgate, MI 48195 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +10 HELOCs |
0.2% | 50% | $65,000 | View |
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1 office in Southgate 13763 Northline Rd, Southgate, MI 48195 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +3 HELOCs |
0% | 0% | View | |
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13050 Fort St, Southgate, MI 48195 A+5.0 ★Texas Ratio: 5.43% |
Conventional, HELOC | 34 +5 HELOCs |
6% | 97.4% | $45,588 | View |
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2910 Carpenter Rd, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 1.86% |
Conventional, HELOC | 19 +11 HELOCs |
3.3% | 83.3% | $149,210 | View |
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16225 Fort St, Southgate, MI 48195 A+5.0 ★Texas Ratio: 4.89% |
Conventional | 11 | 1.9% | 100% | $44,090 | View |
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455 Ada Dr Se, Ada, MI 49301 A+5.0 ★Texas Ratio: 3.68% |
Conventional, FHA | 7 | 1.2% | 87.5% | $176,428 | View |
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3044 W Grand Blvd Ste L 350, Detroit, MI 48202 3142 A+5.0 ★Texas Ratio: 5.17% |
Conventional | 6 | 1.1% | 85.7% | $56,666 | View |
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475 Ada Drive, Ada Township, MI 49301 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 5 +5 HELOCs |
0.9% | 83.3% | $85,000 | View |
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16705 Fort St, Southgate, MI 48195 1442 A+5.0 ★Texas Ratio: 4.92% |
Conventional, HELOC | 5 +2 HELOCs |
0.9% | 71.4% | $141,000 | View |
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12820 Fort St, Southgate, MI 48195 A+5.0 ★Texas Ratio: 2.54% |
Conventional, HELOC | 4 +1 HELOCs |
0.7% | 57.1% | $67,500 | View |
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1004 W Midland Rd, Auburn, MI 48611 A5.0 ★Texas Ratio: 6.46% |
Conventional | 4 | 0.7% | 100% | $137,500 | View |
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53950 Gratiot Ave, Chesterfield, MI 48051 A5.0 ★Texas Ratio: 6.84% |
Conventional, FHA | 3 | 0.5% | 100% | $185,000 | View |
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22315 Michigan Ave, Dearborn, MI 48124 A+5.0 ★Texas Ratio: 1.64% |
Conventional | 3 | 0.5% | 100% | $191,666 | View |
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2151 W Stadium Blvd, Ann Arbor, MI 48103 4543 A+5.0 ★Texas Ratio: 3.99% |
Conventional, FHA | 3 | 0.5% | 100% | $131,666 | View |
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3930 S State Rd, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 4.12% |
Conventional, HELOC | 2 +2 HELOCs |
0.4% | 66.7% | $170,000 | View |
Community Financial
12483 State St, Atlanta, MI 49709 |
Conventional, HELOC | 2 +1 HELOCs |
0.4% | 100% | $120,000 | |
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39440 W 14 Mile Rd, Commerce Township, MI 48390 3907 A+5.0 ★Texas Ratio: 5.61% |
Conventional, HELOC | 2 +1 HELOCs |
0.4% | 66.7% | $40,000 | View |
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7130 Allen Rd, Allen Park, MI 48101 A+5.0 ★Texas Ratio: 1.86% |
Conventional | 2 | 0.4% | 100% | $155,000 | View |
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2015 Washtenaw Ave, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 3.82% |
Conventional, FHA | 2 | 0.4% | 100% | $150,000 | View |
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2100 Executive Hills Dr, Auburn Hills, MI 48326 2947 A+5.0 ★Texas Ratio: 5.37% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $15,000 | View |
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2469 Cedar Street, Delhi Township, MI 48842 A-4.9 ★Texas Ratio: 16.59% |
FHA, HELOC | 1 +1 HELOCs |
0.2% | 100% | $185,000 | View |
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22855 Gibraltar Rd, Flat Rock, MI 48134 A+5.0 ★Texas Ratio: 2.18% |
Conventional | 1 | 0.2% | 50% | $35,000 | View |
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34100 Woodward Ave, Birmingham, MI 48009 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.2% | 100% | $105,000 | View |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
FHA | 1 | 0.2% | 100% | $225,000 | |
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12820 Fort St, Southgate, MI 48195 A+5.0 ★Texas Ratio: 2.54% |
FHA | 1 | 0.2% | 100% | $225,000 | View |
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201 S Superior Ave, Baraga, MI 49908 A+5.0 ★Texas Ratio: 4.32% |
Conventional | 1 | 0.2% | 100% | $125,000 | View |
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144 W Huron Rd, Au Gres, MI 48703 A+5.0 ★Texas Ratio: 4.40% |
Conventional | 1 | 0.2% | 100% | $165,000 | View |
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14170 Pennsylvania Rd, Southgate, MI 48195 A+5.0 ★Texas Ratio: 5.38% |
HELOC | 0 +13 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 | |
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1025 E Grand River Ave, Brighton, MI 48116 1803 A+5.0 ★Texas Ratio: 1.78% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
Rocket Mortgage
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Conventional, FHA, VA | 106 | 18.7% | 89.1% | $163,584 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 82 +2 HELOCs |
14.4% | 89.1% | $192,560 | |
Mortgage 1 Incorporated
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Conventional, FHA, VA | 17 | 3% | 100% | $172,058 | |
Mortgage Center LC
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Conventional, FHA | 14 | 2.5% | 93.3% | $154,285 | |
Staunton Financial Inc
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Conventional, FHA | 14 | 2.5% | 100% | $178,571 | |
Gold Star Mortgage Financial Group, Corporation
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Conventional, FHA, VA | 6 | 1.1% | 100% | $150,000 | |
Success Mortgage Partners, Inc
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Conventional | 4 | 0.7% | 100% | $217,500 | |
Ross Mortgage Corporation
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Conventional, FHA | 4 | 0.7% | 100% | $187,500 | |
BLG Holdings, LLC
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Conventional | 2 | 0.4% | 100% | $155,000 | |
Michigan Mutual, Inc
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Conventional | 1 | 0.2% | 100% | $175,000 | |
Uif Corporation
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Conventional | 1 | 0.2% | 100% | $225,000 | |
Top Flite Financial, Inc.
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FHA | 1 | 0.2% | 100% | $95,000 | |
The Mortgage Link, Inc.
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Conventional, FHA, VA | 20 | 3.5% | 100% | $191,000 | |
Mortgage Research Center
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Conventional, FHA, VA | 12 | 2.1% | 85.7% | $217,500 | |
Ruoff Mortgage Company
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Conventional, FHA | 8 | 1.4% | 100% | $175,000 | |
Cmg Mortgage Inc
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Conventional, FHA, USDA | 8 | 1.4% | 88.9% | $183,750 | |
Inspire Home Loans Inc.
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Conventional, VA | 8 | 1.4% | 88.9% | $293,750 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, HELOC | 7 +1 HELOCs |
1.2% | 77.8% | $175,000 | |
Freedom Mortgage Corporation
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FHA, VA | 7 | 1.2% | 77.8% | $173,571 | |
Newrez LLC
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Conventional, FHA, VA | 7 | 1.2% | 100% | $216,428 | |
loanDepot.com LLC
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Conventional, FHA | 7 | 1.2% | 70% | $87,857 | |
Nationstar Mortgage
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Conventional | 6 | 1.1% | 100% | $91,666 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA | 5 | 0.9% | 90% | $149,000 | |
American Financial Network, Inc.
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Conventional, FHA | 5 | 0.9% | 100% | $189,000 | |
The Loan Store, Inc
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Conventional | 5 | 0.9% | 100% | $209,000 | |
Guaranteed Rate, Inc.
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Conventional | 4 | 0.7% | 100% | $220,000 | |
Union Home Mortgage Corp.
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Conventional, FHA | 4 | 0.7% | 100% | $135,000 | |
Everett Financial, Inc.
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Conventional, FHA | 3 | 0.5% | 100% | $125,000 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 3 | 0.5% | 100% | $165,000 | |
Click n' Close, Inc.
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Conventional, FHA | 3 | 0.5% | 75% | $138,333 | |
New American Funding, LLC.
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Conventional, FHA | 3 | 0.5% | 100% | $108,333 | |
Plaza Home Mortgage, Inc
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Conventional | 3 | 0.5% | 100% | $188,333 | |
Navy Federal Credit Union
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Conventional, HELOC | 2 +1 HELOCs |
0.4% | 100% | $135,000 | |
Royal United Mortgage LLC
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Conventional | 2 | 0.4% | 66.7% | $105,000 | |
Equity Prime Mortgage LLC
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FHA | 2 | 0.4% | 100% | $115,000 | |
AmWest Funding Corp
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Conventional | 2 | 0.4% | 100% | $285,000 | |
New Day Financial, LLC.
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VA | 2 | 0.4% | 66.7% | $175,000 | |
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A+5.0 ★Texas Ratio: 3.84% |
Conventional | 2 | 0.4% | 100% | $125,000 | |
Churchill Mortgage Corporation
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Conventional, FHA | 2 | 0.4% | 66.7% | $295,000 | |
Zillow Home Loans, LLC
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Conventional, FHA | 2 | 0.4% | 100% | $185,000 | |
Carrington Mortgage Services LLC
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Conventional, FHA | 2 | 0.4% | 33.3% | $65,000 | |
Arc Home LLC
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Conventional | 1 | 0.2% | 50% | $125,000 | |
American Financial Resources LLC
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FHA | 1 | 0.2% | 100% | $125,000 | |
Kind Lending, LLC
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Conventional | 1 | 0.2% | 50% | $165,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.2% | 50% | $295,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $115,000 | |
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A+5.0 ★Texas Ratio: 5.05% |
FHA | 1 | 0.2% | 100% | $215,000 | View |
American Financing Corporation
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FHA | 1 | 0.2% | 50% | $195,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.2% | 100% | $215,000 | View |
Planet Home Lending, LLC
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VA | 1 | 0.2% | 100% | $235,000 | |
Hometown Equity Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $445,000 | |
Geneva Financial LLC
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FHA | 1 | 0.2% | 50% | $195,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.2% | 50% | $295,000 | View |
Stockton Mortgage Corporation
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FHA | 1 | 0.2% | 100% | $295,000 | |
Mission Loans, LLC
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Conventional | 1 | 0.2% | 100% | $185,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.2% | 100% | $75,000 | |
Lower, LLC
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VA | 1 | 0.2% | 100% | $205,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.2% | 100% | $225,000 | View |
Paramount Residential Mortgage
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VA | 1 | 0.2% | 100% | $215,000 | |
Nexera Holding LLC
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Conventional | 1 | 0.2% | 100% | $215,000 | |
Spring Eq, LLC
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Conventional | 1 | 0.2% | 33.3% | $135,000 | |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 0.2% | 100% | $245,000 | |
Champions Funding, LLC
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Conventional | 1 | 0.2% | 100% | $145,000 | |
Village Capital & Investment
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VA | 1 | 0.2% | 33.3% | $185,000 | |
American Neighborhood Mortgage Acceptance Company
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FHA | 1 | 0.2% | 100% | $205,000 | |
Wings Financial Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Southgate 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 Southgate, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Southgate? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Southgate in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Southgate, MI
Use these to narrow the list above. Each category shows how many Southgate, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Southgate, MI
Independent mortgage companies closed 70.8 percent of home loans in Southgate, Michigan in 2025, banks 10 percent and credit unions 19.2 percent. Towne Mortgage Company was the largest mortgage company, Flagstar Bank NA the largest bank and Advantage One Credit Union the largest credit union. Among lenders headquartered in Michigan, Flagstar Bank NA 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 Southgate, MI
By home loans closed in 2025, Flagstar Bank NA was the largest mortgage lender in Southgate, Michigan with 12 loans, about 2.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Southgate, Michigan, Rocket Mortgage approved the highest share of completed applications in 2025 at 89.1 percent, against a 88.2 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.
43 lenders closed FHA loans in Southgate, Michigan in 2025, led by United Wholesale Mortgage with 25. 17 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. 21 banks and 19 credit unions closed home loans in Southgate, Michigan in 2025, alongside 62 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 Southgate, 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 Southgate, 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 Southgate. 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.
