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Mortgage Lenders and Brokers in Sterling Heights, Michigan

Content reviewed by

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

Sterling Heights, Michigan mortgage lenders include Flagstar Bank NAFlagstar Bank NA44691 Mound Rd, Sterling Heights, MI 48314D3.3 ★Texas Ratio: 35.11%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA5601 Metropolitan Pkwy, Sterling Heights, MI 48310A+5.0 ★Texas Ratio: 3.68%, Huntington National BankHuntington National Bank40770 Dequindre Rd, Sterling Heights, MI 48310A+5.0 ★Texas Ratio: 3.66%, Bank of America NABank of America NA44100 Schoenherr Rd, Sterling Heights, MI 48313A+5.0 ★Texas Ratio: 4.14%, Fifth Third Bank, National AssociationFifth Third Bank, National Association11555 16 Mile Rd, Sterling Heights, MI 48312A+5.0 ★Texas Ratio: 3.22%, First Merchants BankFirst Merchants Bank43683 Schoenherr Rd, Sterling Heights, MI 48313A+5.0 ★Texas Ratio: 4.12%, First State BankFirst State Bank2032 19 Mile Rd, Sterling Heights, MI 48314A5.0 ★Texas Ratio: 6.84%, PNC Bank N.A.PNC Bank N.A.44698 Mound Rd, Sterling Heights, MI 48314A+5.0 ★Texas Ratio: 4.24%, Citizens Bank, NACitizens Bank, NA2225 18 Mile Rd, Sterling Heights, MI 48314A+5.0 ★Texas Ratio: 5.44%, and Christian Financial CUChristian Financial CU13705 Lakeside Cir, Sterling Heights, MI 48313 1315A+5.0 ★Texas Ratio: 3.21%. 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 Sterling Heights, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Sterling Heights 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 Sterling Heights, Michigan

Market share is the lender's share of all home loans closed in Sterling Heights, 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
Flagstar Bank NA 4 offices in Sterling Heights 44691 Mound Rd, Sterling Heights, MI 48314 D3.3 ★Texas Ratio: 35.11%	Conventional, FHA, VA, HELOC	58 +13 HELOCs	2.9%	78.4%	$246,034	View
JPMorgan Chase Bank, NA 4 offices in Sterling Heights 5601 Metropolitan Pkwy, Sterling Heights, MI 48310 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, HELOC	32 +3 HELOCs	1.6%	78%	$217,500	View
Huntington National Bank 4 offices in Sterling Heights 40770 Dequindre Rd, Sterling Heights, MI 48310 A+5.0 ★Texas Ratio: 3.66%	Conventional, FHA, VA, HELOC	31 +81 HELOCs	1.5%	67.4%	$182,419	View
Bank of America NA 3 offices in Sterling Heights 44100 Schoenherr Rd, Sterling Heights, MI 48313 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	20 +32 HELOCs	1%	83.3%	$233,000	View
Fifth Third Bank, National Association 6 offices in Sterling Heights 11555 16 Mile Rd, Sterling Heights, MI 48312 A+5.0 ★Texas Ratio: 3.22%	Conventional, HELOC	19 +26 HELOCs	0.9%	70.4%	$118,684	View
First Merchants Bank 1 office in Sterling Heights 43683 Schoenherr Rd, Sterling Heights, MI 48313 A+5.0 ★Texas Ratio: 4.12%	Conventional, HELOC	17 +2 HELOCs	0.8%	94.4%	$225,000	View
First State Bank 1 office in Sterling Heights 2032 19 Mile Rd, Sterling Heights, MI 48314 A5.0 ★Texas Ratio: 6.84%	Conventional, FHA, HELOC	15 +5 HELOCs	0.7%	93.8%	$263,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1 office in Sterling Heights 44698 Mound Rd, Sterling Heights, MI 48314 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	9 +39 HELOCs	0.4%	90%	$202,777	View
Citizens Bank, NA 3 offices in Sterling Heights 2225 18 Mile Rd, Sterling Heights, MI 48314 A+5.0 ★Texas Ratio: 5.44%	Conventional, HELOC	3 +116 HELOCs	0.1%	75%	$245,000	View
Christian Financial CU 13705 Lakeside Cir, Sterling Heights, MI 48313 1315 A+5.0 ★Texas Ratio: 3.21%	HELOC	0 +18 HELOCs	0%	n/a		View
Mortgage 1 Incorporated	Conventional, FHA, VA	60	3%	100%	$267,333
Michigan Schools and Governmen 2356 Metropolitan Pkwy, Sterling Heights, MI 48310 4209 A+5.0 ★Texas Ratio: 3.99%	Conventional, FHA, HELOC	105 +37 HELOCs	5.2%	80.9%	$132,238	View
Genisys Credit Union 35790 Van Dyke Ave, Sterling Heights, MI 48312 A+5.0 ★Texas Ratio: 5.37%	Conventional, HELOC	33 +13 HELOCs	1.6%	67.3%	$164,393	View
Lake Michigan Credit Union 35653 Dodge Park Rd, Sterling Heights, MI 48312	Conventional, Jumbo, HELOC	21 +8 HELOCs	1%	91.3%	$361,190
Superior National Bank 201 S Superior Ave, Baraga, MI 49908 A+5.0 ★Texas Ratio: 4.32%	Conventional	19	0.9%	100%	$263,947	View
Credit Union One 9000 15 Mile Rd, Sterling Heights, MI 48312 3610 A+5.0 ★Texas Ratio: 2.54%	Conventional, HELOC	13 +20 HELOCs	0.6%	70.8%	$192,692	View
DFCU Financial 2910 Carpenter Rd, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 1.86%	Conventional, HELOC	11 +11 HELOCs	0.5%	91.7%	$150,454	View
Community Choice Credit Union 39440 W 14 Mile Rd, Commerce Township, MI 48390 3907 A+5.0 ★Texas Ratio: 5.61%	Conventional, HELOC	10 +3 HELOCs	0.5%	71.4%	$57,000	View
Michigan First Credit Union 2051 18 Mile Rd, Sterling Heights, MI 48314 A+5.0 ★Texas Ratio: 4.92%	Conventional, VA, HELOC	9 +8 HELOCs	0.4%	60%	$208,333	View
University Bank 2015 Washtenaw Ave, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 3.82%	Conventional	9	0.4%	100%	$215,000	View
Comerica Bank 13655 15 Mile Rd, Sterling Heights, MI 48312 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	7 +36 HELOCs	0.3%	88.9%	$205,000	View
Extra Credit Union 6611 Chicago Rd, Warren, MI 48092 1685 A+5.0 ★Texas Ratio: 4.32%	Conventional	5	0.2%	62.5%	$195,000	View
Vibe Credit Union 33950 Van Dyke Ave, Sterling Heights, MI 48312 4641 A+5.0 ★Texas Ratio: 5.97%	Conventional, HELOC	4 +3 HELOCs	0.2%	100%	$170,000	View
Dart Bank 2469 Cedar Street, Delhi Township, MI 48842 A-4.9 ★Texas Ratio: 16.59%	Conventional, VA	3	0.1%	100%	$315,000	View
Wells Fargo Bank NA 34100 Woodward Ave, Birmingham, MI 48009 A+5.0 ★Texas Ratio: 5.36%	Conventional	3	0.1%	100%	$131,666	View
Diversified Members Credit Union 625 N Main St, Clawson, MI 48017 1529 A+5.0 ★Texas Ratio: 5.06%	Conventional	3	0.1%	100%	$111,666	View
Towne Mortgage Company 9000 15 Mile Rd, Sterling Heights, MI 48312 3610 A+5.0 ★Texas Ratio: 2.54%	Conventional, FHA	3	0.1%	100%	$291,666	View
ChoiceOne Bank 5515 Van Dyke Rd, Almont, MI 48003 A+5.0 ★Texas Ratio: 5.45%	Conventional	3	0.1%	100%	$305,000	View
Consumers Credit Union 6081 B Dr N, Battle Creek, MI 49014 8367 A+5.0 ★Texas Ratio: 3.56%	Conventional, HELOC	2 +3 HELOCs	0.1%	100%	$305,000	View
University of Michigan Credit Union 340 E Huron St, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 5.54%	Conventional, HELOC	2 +2 HELOCs	0.1%	100%	$430,000	View
Public Service Credit Union 3044 W Grand Blvd Ste L 350, Detroit, MI 48202 3142 A+5.0 ★Texas Ratio: 5.17%	Conventional	2	0.1%	50%	$165,000	View
Michigan Legacy Credit Union 22855 Gibraltar Rd, Flat Rock, MI 48134 A+5.0 ★Texas Ratio: 2.18%	Conventional	2	0.1%	100%	$160,000	View
Loc Credit Union 1025 E Grand River Ave, Brighton, MI 48116 1803 A+5.0 ★Texas Ratio: 1.78%	Conventional	2	0.1%	100%	$45,000	View
Michigan United Credit Union 3501 Hamlin Rd, Auburn Hills, MI 48326 A+5.0 ★Texas Ratio: 0.54%	Conventional, HELOC	1 +4 HELOCs	0%	50%	$55,000	View
Michigan Educational Credit Union 4141 Jackson Rd, Ann Arbor, MI 48103 1827 A+5.0 ★Texas Ratio: 1.03%	Conventional, HELOC	1 +3 HELOCs	0%	100%	$185,000	View
Mercantile Bank 230 Woodworth Ave, Alma, MI 48801 A+5.0 ★Texas Ratio: 0.63%	Conventional, HELOC	1 +1 HELOCs	0%	50%	$85,000	View
Sunrise Family Credit Union 404 S Euclid Ave, Bay City, MI 48706 3206 A+5.0 ★Texas Ratio: 0.29%	Conventional	1	0%	100%	$255,000	View
Alliance Catholic Credit Union 35353 Dodge Park Rd, Sterling Heights, MI 48312 A+5.0 ★Texas Ratio: 1.86%	Conventional	1	0%	33.3%	$225,000	View
ELGA Credit Union 1479 Straits Dr, Bay City, MI 48706 A+5.0 ★Texas Ratio: 4.72%	Conventional	1	0%	100%	$285,000	View
Dort Financial Credit Union 5750 Baypointe Blvd, Clarkston, MI 48346 3192 A+5.0 ★Texas Ratio: 4.06%	Conventional	1	0%	50%	$305,000	View
Honor Credit Union 1253 Lincoln Rd, Allegan, MI 49010 A+5.0 ★Texas Ratio: 5.27%	Conventional	1	0%	100%	$225,000	View
Zeal Credit Union 7240 Park Ave, Allen Park, MI 48101 A+5.0 ★Texas Ratio: 4.89%	Conventional	1	0%	100%	$25,000	View
Tri-County Bank 4511 Van Dyke Rd, Almont, MI 48003 A5.0 ★Texas Ratio: 8.17%	Conventional	1	0%	100%	$305,000	View
Nicolet National Bank 468 N Ripley Blvd, Alpena, MI 49707 A+5.0 ★Texas Ratio: 2.28%	Conventional	1	0%	100%	$25,000	View
First Independence Bank 7310 Woodward Ave, Detroit, MI 48202 A+5.0 ★Texas Ratio: 4.91%	Conventional	1	0%	100%	$325,000	View
Advantage One Credit Union 23670 Telegraph Rd, Brownstown, MI 48134 A+5.0 ★Texas Ratio: 5.43%	Conventional	1	0%	100%	$45,000	View
True Community Credit Union 131 S Main St, Brooklyn, MI 49230 A5.0 ★Texas Ratio: 9.21%	Conventional	1	0%	100%	$25,000	View
Financial Plus Credit Union 4129 N Euclid Ave, Bay City, MI 48706	Conventional	1	0%	100%	$65,000
Community Financial 12483 State St, Atlanta, MI 49709	HELOC	0 +4 HELOCs	0%	50%
Advia Credit Union 2550 Capital Ave SW, Battle Creek, MI 49015 A+5.0 ★Texas Ratio: 5.38%	HELOC	0 +1 HELOCs	0%	n/a		View
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	527 +12 HELOCs	26%	88.8%	$277,068
Rocket Mortgage	Conventional, FHA, VA	302	14.9%	83.7%	$211,291
Mortgage Center LC	Conventional	34	1.7%	97.1%	$232,352
Staunton Financial Inc	Conventional, FHA, VA	23	1.1%	95.8%	$244,565
Uif Corporation	Conventional	19	0.9%	100%	$294,473
Gold Star Mortgage Financial Group, Corporation	Conventional, FHA	11	0.5%	100%	$221,363
Success Mortgage Partners, Inc	Conventional, FHA	11	0.5%	100%	$271,363
Polish-Am Federal Credit Union	Conventional	9	0.4%	100%	$132,777
Michigan Mutual, Inc	Conventional, FHA	4	0.2%	100%	$250,000
Ross Mortgage Corporation	Conventional, FHA	4	0.2%	100%	$267,500
Msu Federal Credit Union	Conventional, HELOC	3 +4 HELOCs	0.1%	50%	$298,333
Ccf - Auburn Hills Branch	Conventional	3	0.1%	83.3%	$121,666
Legacy Mortgage	Conventional	2	0.1%	100%	$390,000
St. James Mortgage Corporation	Conventional	2	0.1%	100%	$150,000
BLG Holdings, LLC	Conventional	2	0.1%	100%	$275,000
Top Flite Financial, Inc.	Conventional, FHA	2	0.1%	66.7%	$230,000
Guaranteed Rate, Inc.	Conventional, FHA, VA, HELOC	43 +2 HELOCs	2.1%	91.5%	$278,720
Newrez LLC	Conventional, VA	36	1.8%	67.9%	$210,555
The Loan Store, Inc	Conventional, FHA, HELOC	33 +6 HELOCs	1.6%	91.9%	$286,818
Union Home Mortgage Corp.	Conventional, FHA, HELOC	28 +2 HELOCs	1.4%	96.6%	$266,428
Freedom Mortgage Corporation	Conventional, FHA, VA	22	1.1%	95.8%	$265,454
CrossCountry Mortgage, LLC	Conventional, FHA, VA	20	1%	95.2%	$245,000
Nationstar Mortgage	Conventional, FHA	20	1%	76.9%	$151,000
loanDepot.com LLC	Conventional, FHA, HELOC	15 +2 HELOCs	0.7%	76.2%	$142,333
Greenstate Credit Union	Conventional	13	0.6%	53.8%	$42,692
Mortgage Research Center	VA	12	0.6%	70.6%	$315,000
Pennymac Loan Services LLC	Conventional, FHA, VA	11	0.5%	64.7%	$275,909
Navy Federal Credit Union	Conventional, VA, HELOC	10 +1 HELOCs	0.5%	100%	$198,000
Guidance Residential, LLC	Conventional	10	0.5%	100%	$299,000
Lakeview Loan Servicing, LLC	Conventional, FHA	9	0.4%	39.3%	$181,666
First Community Mortgage, Inc. A+5.0 ★Texas Ratio: 0.00%	Conventional, FHA	8	0.4%	100%	$286,250	View
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	8	0.4%	53.3%	$286,250	View
Nations Direct Mortgage, LLC	Conventional, FHA	8	0.4%	88.9%	$213,750
New American Funding, LLC.	Conventional, FHA, HELOC	7 +1 HELOCs	0.3%	70%	$196,428
Nexera Holding LLC	Conventional	7	0.3%	100%	$292,142
Spring Eq, LLC	Conventional, HELOC	6 +3 HELOCs	0.3%	19.4%	$71,666
American Financial Resources LLC	Conventional, FHA	6	0.3%	85.7%	$278,333
Primelending	Conventional	6	0.3%	100%	$258,333
Triad Financial Services, Inc.	Conventional	6	0.3%	36.5%	$60,000
Amerisave Mortgage Company	Conventional, FHA	6	0.3%	29.2%	$81,666
Sun West Mortgage Company, Inc	Conventional, FHA, VA	6	0.3%	87.5%	$295,000
Zillow Home Loans, LLC	Conventional, FHA	6	0.3%	100%	$260,000
Plaza Home Mortgage, Inc	Conventional	6	0.3%	54.5%	$255,000
Ruoff Mortgage Company	Conventional, FHA	5	0.2%	100%	$237,000
Everett Financial, Inc.	Conventional	5	0.2%	75%	$227,000
AML Funding LLC dba Absolute Mortgage & Lending	Conventional	5	0.2%	100%	$337,000
Selfreliance Federal Credit Union	Conventional	5	0.2%	100%	$215,000
Kind Lending, LLC	Conventional, FHA, VA	4	0.2%	57.1%	$252,500
New Wave Lending Group Inc	Conventional	4	0.2%	100%	$322,500
Mutual of Omaha Mortgage	FHA, VA	4	0.2%	66.7%	$272,500
Carrington Mortgage Services LLC	Conventional, FHA	4	0.2%	41.7%	$120,000
Texana Bank	Conventional, FHA	4	0.2%	100%	$265,000
The Mortgage Link, Inc.	Conventional	4	0.2%	100%	$325,000
Champions Funding, LLC	Conventional	4	0.2%	100%	$332,500
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	3 +3 HELOCs	0.1%	50%	$61,666	View
US Bank, N.A. A+5.0 ★Texas Ratio: 2.85%	Conventional	3	0.1%	100%	$278,333	View
AmWest Funding Corp	Conventional	3	0.1%	100%	$235,000
21St Mortgage	Conventional	3	0.1%	25%	$61,666
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, FHA, VA	3	0.1%	100%	$211,666	View
Vista Point Mortgage, LLC	Conventional	3	0.1%	75%	$218,333
Cmg Mortgage Inc	Conventional, HELOC	2 +1 HELOCs	0.1%	75%	$270,000
Goodleap, LLC	Conventional	2	0.1%	100%	$215,000
AmeriHome Mortgage Company, LLC	Conventional, FHA	2	0.1%	66.7%	$250,000
Resicentral LLC	Conventional	2	0.1%	100%	$310,000
AdvantageFirst Lending Inc	Conventional, FHA	2	0.1%	66.7%	$205,000
The Farmers & Merchants State Bank	Conventional	2	0.1%	100%	$435,000
Diamond Residential Mtg Corp	Conventional, FHA	2	0.1%	66.7%	$365,000
HomeXpress Mortgage Corp.	Conventional	2	0.1%	40%	$365,000
EastRise Federal Credit Union A+5.0 ★Texas Ratio: 3.84%	Conventional	2	0.1%	100%	$355,000
Churchill Mortgage Corporation	Conventional, FHA	2	0.1%	100%	$260,000
Provident Funding Associates	Conventional	2	0.1%	100%	$345,000
Prosperity Home Mortgage, LLC	Conventional, FHA	2	0.1%	100%	$245,000
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	Conventional, VA	2	0.1%	100%	$300,000	View
Vanderbilt Mortgage and Finance, Inc	Conventional	2	0.1%	28.6%	$40,000
Quontic Bank C+4.1 ★Texas Ratio: 25.91%	Conventional	2	0.1%	66.7%	$195,000	View
Ark-La-Tex Financial Services LLC	Conventional	2	0.1%	100%	$175,000
Village Capital & Investment	VA	2	0.1%	57.1%	$270,000
Movement Mortgage, LLC	FHA, HELOC	1 +1 HELOCs	0%	100%	$475,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0%	100%	$305,000	View
Southwest Airlines FCU	Conventional	1	0%	100%	$135,000
Equity Resources Inc	Conventional	1	0%	100%	$305,000
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional	1	0%	100%	$375,000	View
Cornerstone First Mortgage, LLC	VA	1	0%	50%	$455,000
Royal United Mortgage LLC	FHA	1	0%	100%	$135,000
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional	1	0%	100%	$265,000	View
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional	1	0%	100%	$565,000	View
Canopy Mortgage, LLC	Conventional	1	0%	100%	$175,000
Sage Home Loans Corporation	Conventional	1	0%	100%	$215,000
AAA Capital Investment, Inc	Conventional	1	0%	100%	$425,000
Gvc Mortgage, Inc.	Conventional	1	0%	100%	$285,000
Equity Prime Mortgage LLC	FHA	1	0%	25%	$305,000
Delmar Financial Company	Conventional	1	0%	100%	$245,000
PHH Mortgage Corporation	Conventional	1	0%	100%	$225,000
Loanunited.Com, LLC	VA	1	0%	100%	$285,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	FHA	1	0%	100%	$175,000	View
United Trust Bank	FHA	1	0%	100%	$285,000
Filo Mortgage, LLC	FHA	1	0%	100%	$285,000
Deephaven Mortgage LLC	Conventional	1	0%	100%	$395,000
Guild Mortgage Company	VA	1	0%	100%	$345,000
American Financial Network, Inc.	FHA	1	0%	100%	$345,000
Discover Bank	Conventional	1	0%	10%	$35,000
Oceanside Mortgage Company	FHA	1	0%	100%	$205,000
East Coast Capital Corp.	Conventional	1	0%	100%	$205,000
American Financing Corporation	FHA	1	0%	25%	$55,000
A&N Mortgage Services, Inc. A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0%	100%	$295,000	View
First Colony Mortgage Corporat	Conventional	1	0%	100%	$285,000
Nfm, Inc	Conventional	1	0%	100%	$225,000
American Internet Mortgage, Inc.	Conventional	1	0%	100%	$275,000
Hsbc Bank USA, NA A+5.0 ★Texas Ratio: 4.86%	Conventional	1	0%	100%	$275,000	View
Planet Home Lending, LLC	Conventional	1	0%	100%	$135,000
The Anderson Financial Group, Inc.	Conventional	1	0%	100%	$215,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional	1	0%	100%	$275,000	View
Milend, Inc	Conventional	1	0%	100%	$125,000
Stockton Mortgage Corporation	VA	1	0%	100%	$205,000
Digital Federal Credit Union	Conventional	1	0%	100%	$425,000
Better Mortgage Corporation	Conventional	1	0%	33.3%	$55,000
V.I.P. Mortgage, Inc.	Conventional	1	0%	100%	$215,000
RoundPoint Mortgage Servicing LLC	Conventional	1	0%	50%	$165,000
Citadel Servicing Corporation	Conventional	1	0%	100%	$365,000
Lower, LLC	VA	1	0%	33.3%	$255,000
Nmsi, Inc.	Conventional	1	0%	100%	$355,000
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional	1	0%	100%	$255,000	View
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	1	0%	33.3%	$255,000	View
Paramount Residential Mortgage	FHA	1	0%	100%	$345,000
Tomo Mortgage LLC	Conventional	1	0%	100%	$195,000
Cake Mortgage Corp.	Conventional	1	0%	100%	$195,000
JMAC Lending, Inc.	Conventional	1	0%	100%	$85,000
Griffin Funding Inc.	FHA	1	0%	100%	$135,000
Figure Lending LLC	HELOC	0 +11 HELOCs	0%	n/a
Valon Mortgage	HELOC	0 +9 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +9 HELOCs	0%	n/a		View
Lendage, LLC dba Achieve Loans	HELOC	0 +9 HELOCs	0%	n/a
Pentagon Federal Credit Union	HELOC	0 +3 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
HomeBridge Financial Services, Inc	HELOC	0 +1 HELOCs	0%	0%
Liberty Savings Bank, FSB	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.

Sterling Heights 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 Sterling Heights, Michigan

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

Types of Mortgage Lenders in Sterling Heights, MI

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

Mortgage companies and brokers 105 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 40 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 41 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 53 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 26 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 1 lenders. Loans above the conforming limit for higher priced homes Local lenders based in MI 57 lenders headquartered in Michigan, the closest thing to a mortgage lender near you

Who Lends in Sterling Heights, MI

Independent mortgage companies closed 69 percent of home loans in Sterling Heights, Michigan in 2025, banks 15.4 percent and credit unions 15.6 percent. Mortgage 1 Incorporated was the largest mortgage company, Flagstar Bank NA the largest bank and Christian Financial CU the largest credit union. Among lenders headquartered in Michigan, Flagstar Bank NA led with 58 loans.

69%

Mortgage companies

15.4%

Banks

15.6%

Credit unions

10%

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

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Frequently Asked Questions About Mortgage Lenders in Sterling Heights, MI

Who is the largest mortgage lender in Sterling Heights, MI?

By home loans closed in 2025, Flagstar Bank NA was the largest mortgage lender in Sterling Heights, Michigan with 58 loans, about 2.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Sterling Heights, MI have the highest approval rates?

Among lenders with meaningful volume in Sterling Heights, Michigan, Mortgage 1 Incorporated approved the highest share of completed applications in 2025 at 100 percent, against a 79.9 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 Sterling Heights, MI mortgage lenders offer FHA, VA and USDA loans?

53 lenders closed FHA loans in Sterling Heights, Michigan in 2025, led by United Wholesale Mortgage with 70. 26 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 Sterling Heights, MI lender list?

Yes. 40 banks and 41 credit unions closed home loans in Sterling Heights, Michigan in 2025, alongside 105 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 Sterling Heights, MI ranked on this page?

Lenders are ranked only by the number of home loans they closed in Sterling Heights, 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 Sterling Heights, 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 Sterling Heights. 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.