Largest lenders in Berrien County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | United Federal Credit Union | D | 1,034 | 683 | 18.6% | 7.05% |
| 2 | Honor Credit Union | D | 836 | 562 | 15.8% | 7.25% |
| 3 | Fifth Third Bank | D | 371 | 206 | 23.5% | 7.75% |
| 4 | Rocket Mortgage | C | 318 | 234 | 17.3% | 6.99% |
| 5 | The Huntington National Bank | D | 298 | 171 | 28.2% | 7.63% |
| 6 | Union Home Mortgage | B | 198 | 163 | 2.5% | 6.88% |
| 7 | Horizon Bank | A | 188 | 118 | 25.5% | 6.00% |
| 8 | United Shore Financial Services | B | 187 | 123 | 17.7% | 6.25% |
| 9 | 21st Mortgage | F | 142 | 14 | 60.6% | 11.92% |
| 10 | Sturgis Bank & Trust | A | 133 | 107 | 3.8% | 6.88% |
| 11 | 1st Source Bank | B | 117 | 69 | 23.1% | 7.50% |
| 12 | Triad Financial Services | D | 117 | 24 | 59.0% | 8.98% |
| 13 | Crosscountry Mortgage | B | 116 | 71 | 5.2% | 6.50% |
| 14 | Ruoff Mortgage Company | A | 114 | 75 | 7.0% | 6.63% |
| 15 | JPMorgan Chase Bank | B | 101 | 57 | 8.9% | 6.63% |
| 16 | Guaranteed Rate | B | 101 | 55 | 3.0% | 6.75% |
| 17 | Everwise Credit Union | C | 100 | 57 | 27.0% | 7.50% |
| 18 | Loandepot.Com | D | 90 | 48 | 30.0% | 7.06% |
| 19 | Mortgage Research Center | C | 89 | 38 | 22.5% | 6.38% |
| 20 | AmeriSave Mortgage | D | 66 | 19 | 62.1% | 7.00% |
| 21 | Newrez | D | 65 | 22 | 18.5% | 6.75% |
| 22 | Carrington Mortgage Services | D | 62 | 19 | 35.5% | 6.63% |
| 23 | Notre Dame Federal Credit Union | B | 55 | 37 | 21.8% | 7.00% |
| 24 | Lake Michigan Credit Union | A | 52 | 38 | 3.9% | 6.49% |
| 25 | Independent Bank | C | 50 | 35 | 8.0% | 6.88% |
Best approval odds in Berrien County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Union Home Mortgage | 169 | 3.0% |
| 2 | Sturgis Bank & Trust | 129 | 3.9% |
| 3 | Guaranteed Rate | 60 | 5.0% |
| 4 | Crosscountry Mortgage | 79 | 7.6% |
| 5 | Ruoff Mortgage Company | 94 | 8.5% |
| 6 | JPMorgan Chase Bank | 66 | 13.6% |
| 7 | Honor Credit Union | 715 | 18.5% |
| 8 | Rocket Mortgage | 296 | 18.6% |
| 9 | United Shore Financial Services | 161 | 20.5% |
| 10 | United Federal Credit Union | 917 | 20.9% |
What Berrien County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Berrien County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 5,921 | 3,437 | 20.7% | 7.25% | $125,000 |
| 2024 | 6,296 | 3,668 | 20.9% | 7.13% | $125,000 |
| 2025 | 6,903 | 4,011 | 19.9% | 6.99% | $145,000 |
Frequently asked questions
19.9% of applications in Berrien County were denied in 2025, against 18.5% statewide in Michigan.
United Federal Credit Union, with 1,034 applications in 2025 and a denial rate of 18.6%.
The median mortgage application in Berrien County in 2025 was for $145,000; the median property value on originated loans was $295,000.