Ranked by the dollar value of loans originated. Volume is not quality, but it does tell you who is set up to close at scale.
| # | Lender | Grade | Dollar volume | Applications | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | United Shore Financial ServicesPlymouth, MI | B | $5.8B | 29,330 | 11.7% | 6.60% |
| 2 | Rocket MortgagePlymouth, MI | C | $4.7B | 30,644 | 16.3% | 6.75% |
| 3 | Lake Michigan Credit UnionGrand Rapids, MI | A | $3.5B | 16,662 | 5.6% | 6.75% |
| 4 | Credit Union OneFerndale, MI | D | $2.9B | 3,310 | 26.4% | 7.99% |
| 5 | Everwise Credit UnionSouth Bend, IN | C | $2.1B | 207 | 24.2% | 7.50% |
| 6 | The Huntington National BankColumbus, OH | D | $2.0B | 20,047 | 30.0% | 7.49% |
| 7 | Fifth Third BankCincinnati, OH | D | $964M | 11,176 | 26.4% | 7.50% |
| 8 | Union Home MortgageStrongsville, OH | B | $932M | 5,303 | 4.3% | 6.75% |
| 9 | JPMorgan Chase BankColumbus, OH | B | $850M | 4,921 | 11.0% | 6.63% |
| 10 | Mortgage 1Sterling Heights, MI | A | $819M | 4,161 | 2.0% | 6.63% |
| 11 | The Dart BankMason, MI | B | $747M | 3,524 | 6.4% | 6.75% |
| 12 | Staunton FinancialSouthfield, MI | B | $678M | 2,833 | 4.4% | 6.63% |
| 13 | Citizens BankProvidence, RI | C | $648M | 6,592 | 29.0% | 7.65% |
| 14 | First Merchants BankMuncie, IN | C | $640M | 2,637 | 10.8% | 6.50% |
| 15 | Genisys Credit UnionAuburn Hills, MI | D | $634M | 4,455 | 17.0% | 7.24% |
| 16 | Mortgage Research CenterColumbia, MO | C | $629M | 4,942 | 19.4% | 6.25% |
| 17 | Independent BankGrand Rapids, MI | C | $613M | 3,340 | 15.0% | 6.88% |
| 18 | Flagstar BankHicksville, NY | C | $607M | 4,889 | 21.3% | 6.63% |
| 19 | Mercantile BankGrand Rapids, MI | C | $607M | 3,041 | 12.5% | 6.75% |
| 20 | Crosscountry MortgageCleveland, OH | B | $599M | 3,708 | 4.2% | 6.75% |
| 21 | PNC BankWilmington, DE | D | $576M | 5,161 | 26.3% | 7.36% |
| 22 | Consumers Credit UnionKalamazoo, MI | C | $565M | 3,905 | 9.9% | 6.38% |
| 23 | Mortgage Center L.cSouthfield, MI | C | $547M | 3,046 | 6.2% | 6.38% |
| 24 | Michigan Schools and GovernmentClinton Township, MI | C | $528M | 4,227 | 12.0% | 7.24% |
| 25 | Dfcu FinancialDearborn, MI | B | $513M | 4,346 | 13.3% | 6.25% |
| 26 | Guaranteed RateChicago, IL | B | $504M | 3,014 | 5.2% | 6.63% |
| 27 | Bank of AmericaCharlotte, NC | F | $442M | 4,464 | 31.9% | 5.99% |
| 28 | MICHIGAN STATE UNIVERSITY Federal Credit UnionEast Lansing, MI | C | $422M | 4,385 | 17.7% | 7.50% |
| 29 | Old National BankEvansville, IN | B | $405M | 1,640 | 12.3% | 6.38% |
| 30 | Berkadia Commercial MortgageAmbler, PA | B | $378M | 45 | 0.0% | 5.56% |
| 31 | NewrezWilmington, DE | D | $378M | 4,958 | 18.5% | 6.75% |
| 32 | Pennymac Loan ServicesWestlake Village, CA | C | $368M | 2,691 | 11.2% | 6.13% |
| 33 | Bellwether Enterprise Real Estate CapitalCleveland, OH | C | $367M | 14 | 0.0% | — |
| 34 | GreenStone Farm Credit Services, FLCAEast Lansing, MI | A | $366M | 1,292 | 1.2% | 6.75% |
| 35 | Freedom MortgageBoca Raton, FL | B | $363M | 3,515 | 9.7% | 6.25% |
| 36 | The Loan StoreSan Francisco, CA | B | $354M | 2,095 | 12.0% | 6.99% |
| 37 | Walker & DunlopBethesda, MD | C | $350M | 23 | 8.7% | 5.63% |
| 38 | Gold Star Mortgage Financial GroupAnn Arbor, MI | C | $342M | 1,818 | 2.0% | 6.63% |
| 39 | First State BankClinton Township, MI | A | $263M | 1,150 | 4.2% | 6.63% |
| 40 | Nationstar MortgageCoppell, TX | C | $254M | 2,558 | 16.4% | 7.49% |
| 41 | Michigan First Credit UnionLathrup Village, MI | F | $251M | 2,484 | 38.7% | 6.88% |
| 42 | Preston Home LoansGrand Blanc, MI | C | $238M | 1,648 | 2.1% | 6.63% |
| 43 | Loandepot.ComIrvine, CA | D | $238M | 2,921 | 29.3% | 6.99% |
| 44 | Honor Credit UnionBerrien Springs, MI | D | $231M | 2,411 | 19.1% | 7.25% |
| 45 | Comerica BankDallas, TX | C | $231M | 3,064 | 40.0% | 5.99% |
| 46 | Horizon BankMichigan City, IN | A | $227M | 1,144 | 21.3% | 6.13% |
| 47 | Navy Federal Credit UnionVienna, VA | D | $221M | 2,484 | 22.6% | 7.00% |
| 48 | Wells Fargo BankCharlotte, NC | B | $213M | 550 | 15.5% | 6.38% |
| 49 | PGIM Real Estate FinanceWilmington, DE | – | $211M | 6 | 0.0% | 5.07% |
| 50 | ChoiceOne BankSparta, MI | D | $208M | 1,444 | 18.5% | 6.75% |
Ordered by the dollar value of loans originated in 2025 in the state. All figures come from the lenders' own HMDA filings. Full methodology.
