The MFP’s Home Loan Lenders Community Survey gathers Michigan’s homeowners feedback and lenders recommendations for home loans in the state. Shopping for a new home loan can be complicated and we gathered the data below to help your choice.
Updated: June 6, 2025
<< Human Powered Recommendations >>
Michigan Best Home Loan Lenders
Detroit, Grand Rapids, Warren, Sterling Heights, Ann Arbor, Lansing, Dearborn, Livonia, Troy, Westland, Online lenders.
Michigan Home Loans Lenders Satisfaction
Performance and satisfaction of home purchase loan lenders across Michigan by lenders type.
| Lender Type | Application Ease | Loan Terms & Rate | Support & Guidance | Recommendation (%) |
|---|---|---|---|---|
| Credit Unions | 4.33 | 4.40 | 4.47 | 87% |
| Community Banks | 4.30 | 4.34 | 4.38 | 86% |
| Banks | 4.05 | 4.14 | 4.18 | 82% |
| Online Lenders | 4.00 | 3.77 | 4.03 | 89% |
Recommendations are gathered from 1,194 Michigan local members who shopped and requested a home loan mortgage in the past 12 months:
- Loan Application (0 to 5): How easy it is to apply for a new home loan. How fast it can be done. What’s the amount of information asked. How fast do you get an answer for your loan.
- Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- Support & Guidance (0 to 5): Were you happy with the guidance you were offered or requested to make a good decision about your home refinance?
- Recommendation (yes/no): Do you recommend this lender after going through the process?
More Loan Information for Michigan Homeowners:
Home Refinance Loan Calculator
Loans Comparison Calculator: Heloc, Cash-Out, Home Equity, Renovation.
More Resources for Michigan Homeowners.
Detroit Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Detroit’s area are Genisys Credit Union, DFCU Financial and Lake Michigan Credit Union.
Genisys Credit Union (95% Recommend)
- Highest Recommend % (95%) and 4.8 Loan Terms & Rate Satisfaction among all lenders.
- Rated 4.9 for Support & Guidance, reflecting exceptional service in feedback.
DFCU Financial (93% Recommend)
- 4.7 Easy Application score and 4.8 Support & Guidance, balancing efficiency and personalized assistance.
- Loved for consistent rate satisfaction (4.7) in homeowners surveys.
Lake Michigan Credit Union (91% Recommend)
- 4.6 Loan Terms & Rate Satisfaction with 4.7 Support & Guidance for transparent processes.
- Liked for competitive rates (91% Recommend) in users surveys.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Genisys Credit Union | Credit Union | 4.7 | 4.8 | 4.9 | 95% |
| DFCU Financial | Credit Union | 4.7 | 4.7 | 4.8 | 93% |
| Lake Michigan Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 91% |
| United Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 89% |
| Michigan Schools and Government Credit Union | Credit Union | 4.4 | 4.5 | 4.6 | 88% |
| Advia Credit Union | Credit Union | 4.4 | 4.4 | 4.5 | 87% |
| Community Financial Credit Union | Credit Union | 4.3 | 4.4 | 4.5 | 86% |
| Michigan First Credit Union | Credit Union | 4.3 | 4.3 | 4.4 | 85% |
| Consumers Credit Union | Credit Union | 4.2 | 4.3 | 4.4 | 84% |
| Liberty Bank | Community Bank | 4.2 | 4.2 | 4.3 | 83% |
| Huntington Bank | Bank | 4.1 | 4.2 | 4.3 | 82% |
| Chase Bank | Bank | 4.0 | 4.1 | 4.2 | 80% |
| Flagstar Bank | Bank | 4.0 | 4.0 | 4.1 | 79% |
| Comerica Bank | Bank | 3.9 | 4.0 | 4.1 | 78% |
| Independent Bank | Bank | 3.9 | 3.9 | 4.0 | 77% |
Grand Rapids Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Grand Rapids’s area are Lake Michigan Credit Union, DFCU Financial and Genisys Credit Union.
Lake Michigan Credit Union (96% Recommend)
- Highest Recommend % (96%) and 4.9 Loan Terms & Rate Satisfaction among all lenders.
- Rated 4.8 for Support & Guidance, reflecting exceptional service in homeowners feedback.
DFCU Financial (94% Recommend)
- 4.8 Easy Application score and 4.7 Support & Guidance, balancing efficiency and personalized assistance.
- Loved for consistent rate satisfaction (4.7) in users surveys.
Genisys Credit Union (92% Recommend)
- 4.7 Loan Terms & Rate Satisfaction with 4.8 Support & Guidance for transparent processes.
- Liked for competitive rates (92% Recommend) in users feedback.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Lake Michigan Credit Union | Credit Union | 4.7 | 4.9 | 4.8 | 96% |
| DFCU Financial | Credit Union | 4.8 | 4.7 | 4.7 | 94% |
| Genisys Credit Union | Credit Union | 4.6 | 4.7 | 4.8 | 92% |
| United Federal Credit Union | Credit Union | 4.5 | 4.6 | 4.7 | 90% |
| Michigan Schools and Government Credit Union | Credit Union | 4.4 | 4.5 | 4.6 | 89% |
| Advia Credit Union | Credit Union | 4.4 | 4.4 | 4.5 | 88% |
| Consumers Credit Union | Credit Union | 4.3 | 4.4 | 4.5 | 87% |
| Huntington Bank | Bank | 4.2 | 4.3 | 4.4 | 85% |
| Fifth Third Bank | Bank | 4.1 | 4.2 | 4.3 | 83% |
| Independent Bank | Bank | 4.0 | 4.1 | 4.2 | 81% |
Warren Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Warren’s area are Michigan Schools and Government Credit Union, Community Choice Credit Union, and Huntington Bank.
Michigan Schools and Government Credit Union (97% Recommend)
- Highest Recommend % (97%) and 4.9 Support & Guidance among all lenders.
- Rated 4.8 for Loan Terms & Rate Satisfaction in homeowners feedback.
Community Choice Credit Union (92% Recommend)
- 4.7 Easy Application score with 4.8 Loan Terms satisfaction, balancing efficiency and value.
- Loved for “easy loans” (92% Recommend) in our users feedback.
Huntington Bank (85% Recommend)
- 4.2 Support & Guidance with 4.3 Loan Terms, highest among banks in the area.
- Liked for mortgage specialist availability (85% Recommend) in our surveys.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Michigan Schools and Government Credit Union | Credit Union | 4.7 | 4.8 | 4.9 | 97% |
| Community Choice Credit Union | Credit Union | 4.7 | 4.8 | 4.7 | 92% |
| Huntington Bank | Bank | 4.2 | 4.3 | 4.2 | 85% |
| Flagstar Bank | Bank | 4.1 | 4.2 | 4.1 | 83% |
| Bi-County PTC Federal Credit Union | Credit Union | 4.0 | 4.1 | 4.2 | 82% |
| Extra Credit Union | Credit Union | 4.0 | 4.0 | 4.1 | 81% |
| Christian Financial Credit Union | Credit Union | 3.9 | 4.0 | 4.1 | 80% |
| Motor City Co-op Credit Union | Credit Union | 3.9 | 3.9 | 4.0 | 79% |
| Unity Credit Union | Credit Union | 3.8 | 3.9 | 4.0 | 78% |
| Warren Municipal Federal Credit Union | Credit Union | 3.8 | 3.8 | 3.9 | 77% |
Sterling Heights Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Sterling Heights’s area are Christian Financial Credit Union, Huntington Bank, and Flagstar Bank.
Christian Financial Credit Union (95% Recommend)
- Highest Recommend % (95%) and 4.8 Support & Guidance among all lenders.
- Rated 4.7 for Loan Terms & Rate Satisfaction in users feedback.
Huntington Bank (88% Recommend)
- 4.5 Easy Application score with 4.4 Loan Terms satisfaction, balancing efficiency and value.
- Loved for “personalized mortgage services” (88% Recommend) in homeowners feedback.
Flagstar Bank (85% Recommend)
- 4.3 Support & Guidance with 4.4 Loan Terms, highest among banks in the area.
- Liked for multilingual mortgage specialists (85% Recommend) in our surveys.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Christian Financial Credit Union | Credit Union | 4.6 | 4.7 | 4.8 | 95% |
| Huntington Bank | Bank | 4.5 | 4.4 | 4.4 | 88% |
| Flagstar Bank | Bank | 4.3 | 4.4 | 4.3 | 85% |
| Michigan United Credit Union | Credit Union | 4.2 | 4.3 | 4.4 | 84% |
| Community Choice Credit Union | Credit Union | 4.2 | 4.2 | 4.3 | 83% |
| Extra Credit Union | Credit Union | 4.1 | 4.1 | 4.2 | 82% |
| Unity Credit Union | Credit Union | 4.0 | 4.1 | 4.2 | 81% |
| Motor City Co-op Credit Union | Credit Union | 3.9 | 4.0 | 4.1 | 80% |
| Fifth Third Bank | Bank | 3.9 | 3.9 | 4.0 | 79% |
| Chase Bank | Bank | 3.8 | 3.9 | 4.0 | 78% |
Ann Arbor Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Ann Arbor’s area are Michigan Schools and Government Credit Union, University of Michigan Credit Union, and Bank of Ann Arbor.
Michigan Schools and Government Credit Union (97% Recommend)
- Highest Recommend % (97%) and 4.9 Support & Guidance among all lenders.
- Rated 4.8 for Loan Terms & Rate Satisfaction in users feedback.
University of Michigan Credit Union (94% Recommend)
- 4.7 Easy Application score with 4.8 Loan Terms satisfaction, balancing efficiency and value.
- Loved for “exceptional campus service” (94% Recommend) in our users feedback.
Bank of Ann Arbor (89% Recommend)
- 4.5 Support & Guidance with 4.4 Loan Terms, highest among banks in the area.
- Liked for “community-focused mortgage solutions” (89% Recommend) in our surveys.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Michigan Schools and Government Credit Union | Credit Union | 4.7 | 4.8 | 4.9 | 97% |
| University of Michigan Credit Union | Credit Union | 4.7 | 4.8 | 4.7 | 94% |
| Bank of Ann Arbor | Bank | 4.4 | 4.4 | 4.5 | 89% |
| Arbor Financial Credit Union | Credit Union | 4.3 | 4.4 | 4.5 | 88% |
| Lake Trust Credit Union | Credit Union | 4.2 | 4.3 | 4.4 | 86% |
| Huntington Bank | Bank | 4.1 | 4.2 | 4.3 | 84% |
| Flagstar Bank | Bank | 4.0 | 4.1 | 4.2 | 82% |
| Community Financial Credit Union | Credit Union | 3.9 | 4.0 | 4.1 | 80% |
Lansing Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Lansing’s area are MSU Federal Credit Union, Dart Bank, and Lake Trust Credit Union.
MSU Federal Credit Union (96% Recommend)
- Highest Recommend % (96%) and 4.8 Support & Guidance among all lenders.
- Rated 4.7 for Loan Terms & Rate Satisfaction in homeowners feedback.
Dart Bank (92% Recommend)
- 4.6 Easy Application score with 4.7 Loan Terms satisfaction, highest among community banks.
- Loved for “fantastic mortgage services and customer care” (92% Recommend) in direct user feedback.
Lake Trust Credit Union (89% Recommend)
- 4.5 Support & Guidance with 4.6 Loan Terms, balancing competitive rates and service.
- Liked for “transparent home loan processes” (89% Recommend) in our users surveys.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| MSU Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.8 | 96% |
| Dart Bank | Community Bank | 4.6 | 4.7 | 4.6 | 92% |
| Lake Trust Credit Union | Credit Union | 4.5 | 4.6 | 4.5 | 89% |
| LAFCU | Credit Union | 4.4 | 4.5 | 4.5 | 87% |
| Eaton Community Bank | Community Bank | 4.3 | 4.4 | 4.4 | 85% |
| Consumers Credit Union | Credit Union | 4.2 | 4.3 | 4.4 | 84% |
| Huntington Bank | Bank | 4.1 | 4.2 | 4.3 | 82% |
| PNC Bank | Bank | 4.0 | 4.1 | 4.2 | 80% |
| Flagstar Bank | Bank | 3.9 | 4.0 | 4.1 | 79% |
| Independent Bank | Bank | 3.8 | 3.9 | 4.0 | 77% |
Dearborn Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Dearborn’s area are Dearborn Federal Savings Bank, Huntington Bank, and Flagstar Bank.
Dearborn Federal Savings Bank (94% Recommend)
- Highest Recommend % (94%) and 4.8 Support & Guidance among all lenders.
- Rated 4.7 for Easy Application with streamlined online mortgage process.
Huntington Bank (88% Recommend)
- 4.5 Loan Terms satisfaction with 4.4 Support & Guidance, balancing competitive rates and service.
- Liked for “reliable mortgage services” (88% Recommend) in users feedback.
Flagstar Bank (85% Recommend)
- 4.3 Support & Guidance with multilingual mortgage specialists available.
- Loved for “personalized home loan solutions” (85% Recommend).
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Dearborn Federal Savings Bank | Community Bank | 4.7 | 4.6 | 4.8 | 94% |
| Huntington Bank | Bank | 4.4 | 4.5 | 4.4 | 88% |
| Flagstar Bank | Bank | 4.2 | 4.3 | 4.3 | 85% |
| PNC Bank | Bank | 4.1 | 4.2 | 4.2 | 83% |
| Bank of America | Bank | 4.0 | 4.1 | 4.1 | 81% |
| Chase Bank | Bank | 3.9 | 4.0 | 4.0 | 79% |
| Comerica Bank | Bank | 3.8 | 3.9 | 3.9 | 77% |
| Oxford Bank | Community Bank | 3.7 | 3.8 | 3.8 | 75% |
Livonia Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Livonia’s area are Michigan Schools and Government Credit Union, Michigan Columbus Credit Union, and Flagstar Bank.
Michigan Schools and Government Credit Union (97% Recommend)
- Highest Recommend % (97%) and 4.8 Support & Guidance among all lenders.
- Rated 4.7 for Loan Terms & Rate Satisfaction in homeowners feedback.
Michigan Columbus Credit Union (92% Recommend)
- 4.6 Easy Application score with 4.7 Loan Terms satisfaction, balancing efficiency and value.
- Noted for “exceptional personalized service” (92% Recommend) in users feedback.
Flagstar Bank (85% Recommend)
- 4.3 Support & Guidance with 4.4 Loan Terms, highest among banks in the area.
- Liked for “certified mortgage specialists” (85% Recommend) in users’ survey.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Michigan Schools and Government Credit Union | Credit Union | 4.6 | 4.7 | 4.8 | 97% |
| Michigan Columbus Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 92% |
| Flagstar Bank | Bank | 4.2 | 4.4 | 4.3 | 85% |
| Community Choice Credit Union | Credit Union | 4.2 | 4.3 | 4.4 | 84% |
| Zeal Credit Union | Credit Union | 4.1 | 4.2 | 4.3 | 83% |
| Christian Financial Credit Union | Credit Union | 4.0 | 4.1 | 4.2 | 81% |
| Independent Bank | Bank | 3.9 | 4.0 | 4.1 | 79% |
| Huntington Bank | Bank | 3.8 | 3.9 | 4.0 | 77% |
Troy Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Troy’s area are Michigan Schools and Government Credit Union, Genisys Credit Union, and Huntington Bank.
Michigan Schools and Government Credit Union (96% Recommend)
- Highest Recommend % (96%) and 4.8 Support & Guidance among all lenders.
- Rated 4.7 for Loan Terms & Rate Satisfaction in homeowners feedback.
Genisys Credit Union (92% Recommend)
- 4.6 Easy Application score with 4.7 Loan Terms satisfaction, balancing efficiency and value.
- Noted for “exceptional personalized service” (92% Recommend) in users feedback.
Huntington Bank (87% Recommend)
- 4.3 Support & Guidance with 4.4 Loan Terms, highest among banks in the area.
- Loved for “reliable mortgage specialists” (87% Recommend) in the surveys.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Michigan Schools and Government Credit Union | Credit Union | 4.6 | 4.7 | 4.8 | 96% |
| Genisys Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 92% |
| Huntington Bank | Bank | 4.2 | 4.4 | 4.3 | 87% |
| Community Choice Credit Union | Credit Union | 4.2 | 4.3 | 4.4 | 86% |
| Flagstar Bank | Bank | 4.1 | 4.2 | 4.2 | 84% |
| Lake Michigan Credit Union | Credit Union | 4.0 | 4.1 | 4.2 | 82% |
| PNC Bank | Bank | 3.9 | 4.0 | 4.1 | 80% |
| Comerica Bank | Bank | 3.8 | 3.9 | 4.0 | 78% |
Westland Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Westland’s area are Michigan Schools and Government Credit Union, Huntington Bank, and Flagstar Bank.
Michigan Schools and Government Credit Union (96% Recommend)
- Highest Recommend % (96%) and 4.8 Support & Guidance among all lenders.
- Rated 4.7 for Loan Terms & Rate Satisfaction in member feedback.
Huntington Bank (88% Recommend)
- 4.5 Easy Application score with 4.4 Support & Guidance, balancing efficiency and service.
- Noted for “reliable mortgage services” (88% Recommend) in feedback.
Flagstar Bank (85% Recommend)
- 4.3 Support & Guidance with certified mortgage specialists available.
- Users like the bank for “personalized home loan solutions” (85% Recommend) in their feedback.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Michigan Schools and Government Credit Union | Credit Union | 4.6 | 4.7 | 4.8 | 96% |
| Huntington Bank | Bank | 4.5 | 4.4 | 4.4 | 88% |
| Flagstar Bank | Bank | 4.2 | 4.3 | 4.3 | 85% |
| Wayne-Westland Credit Union | Credit Union | 4.2 | 4.2 | 4.3 | 84% |
| PNC Bank | Bank | 4.0 | 4.1 | 4.2 | 82% |
| Comerica Bank | Bank | 3.9 | 4.0 | 4.1 | 80% |
| Zeal Credit Union | Credit Union | 3.9 | 3.9 | 4.0 | 79% |
| Chase Bank | Bank | 3.8 | 3.9 | 4.0 | 78% |
Michigan Best Online Home Loan Lenders
MFP’s Home Purchase Lenders Survey: Top online home purchase lenders for Michigan residents are Rocket Mortgage, Guaranteed Rate, and Better Mortgage.
| Lender | Loan Amounts | APR Range | Loan Terms | Easy Application | Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|---|---|
| Rocket Mortgage | $50k-$3M | 6.25% – 8.50% | 15/20/30 | 4.5 | 4.0 | 4.5 | 95% |
| Guaranteed Rate | $50k-$2.5M | 6.15% – 8.25% | 10/15/20/30 | 4.5 | 4.5 | 4.0 | 94% |
| Better Mortgage | $50k-$3M | 5.99% – 7.85% | 15/20/30 | 5.0 | 4.5 | 4.5 | 96% |
| LoanDepot | $50k-$2M | 6.35% – 8.75% | 15/20/30 | 4.0 | 4.0 | 4.0 | 93% |
| New American Funding | $50k-$1.5M | 6.50% – 9.00% | 15/20/30 | 4.0 | 4.0 | 4.5 | 92% |
| Fairway Independent Mortgage | $50k-$2M | 6.25% – 8.50% | 15/20/30 | 4.5 | 3.5 | 4.5 | 91% |
| Movement Mortgage | $50k-$1.5M | 6.75% – 9.25% | 15/20/30 | 4.0 | 3.5 | 4.0 | 90% |
| United Wholesale Mortgage | $50k-$2M | 6.00% – 8.25% | 15/20/30 | 4.0 | 4.0 | 4.0 | 89% |
| Lake Michigan Credit Union | $50k-$1M | 6.00% – 8.50% | 15/20/30 | 3.5 | 4.0 | 4.5 | 88% |
| Flagstar Bank | $50k-$1.5M | 6.50% – 9.00% | 15/20/30 | 4.0 | 3.5 | 4.0 | 87% |
| PNC Bank | $50k-$2M | 6.75% – 9.25% | 15/20/30 | 3.5 | 3.5 | 3.5 | 86% |
| Chase | $50k-$2M | 6.75% – 9.25% | 15/20/30 | 3.5 | 3.0 | 3.5 | 85% |
| Bank of America | $50k-$2M | 6.50% – 9.00% | 15/20/30 | 3.5 | 3.0 | 3.5 | 84% |
| Caliber Home Loans | $50k-$1.5M | 6.25% – 8.50% | 15/20/30 | 4.0 | 4.0 | 4.0 | 88% |
| Fifth Third Bank | $50k-$1.5M | 6.75% – 9.25% | 15/20/30 | 3.5 | 3.5 | 3.5 | 83% |
