Michigan · HMDA 2025
Mortgage lenders in Berrien County, MI
339 lenders reported 7,380 home-loan applications in Berrien County in 2025. 4,011 closed as loans ($2.9B), 1,371 were denied — a 24.3% denial rate on decided applications, above the Michigan rate of 22.4%. The three most active lenders handled 30% of applications, led by UNITED FEDERAL CREDIT UNION. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 7,380
- Loans originated
- 4,011
- Purchase / refinance
- 1,781 / 1,128
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Berrien County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | UNITED FEDERAL CREDIT UNION | 1,034 | 14.0% | — |
| 2 | Honor Credit Union 70 out of 100, Strong | 836 | 11.3% | 22.6% |
| 3 | Fifth Third Bank, National Association 62 out of 100, Moderate | 375 | 5.1% | 34.0% |
| 4 | Rocket Mortgage, LLC | 329 | 4.5% | — |
| 5 | The Huntington National Bank 59 out of 100, Moderate | 303 | 4.1% | 31.6% |
| 6 | UNION HOME MORTGAGE CORP. | 198 | 2.7% | — |
| 7 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 195 | 2.6% | 14.1% |
| 8 | UNITED SHORE FINANCIAL SERVICES, LLC | 189 | 2.6% | — |
| 9 | Horizon Bank 72 out of 100, Strong | 188 | 2.5% | 22.7% |
| 10 | 21st Mortgage Corporation | 147 | 2.0% | — |
| 11 | GUARANTEED RATE, INC. | 139 | 1.9% | — |
| 12 | Sturgis Bank & Trust Company 56 out of 100, Moderate | 135 | 1.8% | 3.4% |
| 13 | PENNYMAC LOAN SERVICES, LLC | 124 | 1.7% | — |
| 14 | TRIAD FINANCIAL SERVICES, INC. | 117 | 1.6% | — |
| 15 | 1st Source Bank 75 out of 100, Strong | 117 | 1.6% | 19.3% |
| 16 | CROSSCOUNTRY MORTGAGE, INC. | 116 | 1.6% | — |
| 17 | RUOFF MORTGAGE COMPANY, INC. | 114 | 1.5% | — |
| 18 | EVERWISE CREDIT UNION 56 out of 100, Moderate | 100 | 1.4% | 22.2% |
| 19 | NEWREZ LLC | 90 | 1.2% | — |
| 20 | Loandepot.Com, LLC | 90 | 1.2% | — |
| 21 | Mortgage Research Center, LLC | 89 | 1.2% | — |
| 22 | AmeriSave Mortgage Corporation | 66 | 0.9% | — |
| 23 | FIGURE LENDING LLC | 65 | 0.9% | — |
| 24 | CARRINGTON MORTGAGE SERVICES, LLC | 62 | 0.8% | — |
| 25 | NOTRE DAME FEDERAL CREDIT UNION CORPORATION 64 out of 100, Moderate | 55 | 0.7% | 19.7% |
| 26 | FREEDOM MORTGAGE CORPORATION | 53 | 0.7% | — |
| 27 | NATIONSTAR MORTGAGE LLC | 52 | 0.7% | — |
| 28 | LAKE MICHIGAN CREDIT UNION 73 out of 100, Strong | 52 | 0.7% | 7.3% |
| 29 | Independent Bank 63 out of 100, Moderate | 50 | 0.7% | 17.6% |
| 30 | OriginPoint, LLC | 49 | 0.7% | — |
| 31 | Flagstar Bank, N.A. 31 out of 100, Low | 49 | 0.7% | 35.1% |
| 32 | Bank of America, National Association 59 out of 100, Moderate | 48 | 0.7% | 44.7% |
| 33 | Navy Federal Credit Union 66 out of 100, Moderate | 47 | 0.6% | 32.9% |
| 34 | Broker Solutions, Inc. | 47 | 0.6% | — |
| 35 | TAMMAC HOLDINGS CORPORATION | 46 | 0.6% | — |
| 36 | Coastal Community Bank 35 out of 100, Low | 46 | 0.6% | 3.0% |
| 37 | SPRING EQ, LLC | 41 | 0.6% | — |
| 38 | Fairway Independent Mortgage Corporation | 40 | 0.5% | — |
| 39 | Old National Bank 59 out of 100, Moderate | 36 | 0.5% | 22.1% |
| 40 | CONSUMERS CREDIT UNION | 36 | 0.5% | — |
Top 40 of 339 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Michigan
- Wayne County 66,469 apps
- Oakland County 55,675 apps
- Macomb County 38,549 apps
- Kent County 28,383 apps
- Genesee County 16,559 apps
- Ottawa County 12,741 apps
- Washtenaw County 12,725 apps
- Kalamazoo County 10,359 apps
- Ingham County 9,948 apps
- Livingston County 9,373 apps
- Muskegon County 8,415 apps
- St. Clair County 7,949 apps