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investment property lenders · HMDA 2023–2025

Investment property lenders in Berrien County, Michigan

Fat Boy Data analyzed investment property mortgage activity in Berrien County, Michigan to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,145 applications were decided by 211 lenders between 2023 and 2025.

Berrien County at a glance

211Active lenders16 with 20+ decisions
91.3%Market approval rate1,045 of 1,145 decided
$305KTypical loanmedian lender, $10K brackets
96%Borrower take-up1,003 loans funded

How Berrien County compares

Approval rate compared
Berrien County91.3%Michigan86.0%All 616 counties87.5%
Typical loan compared
Berrien County$305KMichigan$135KAll 616 counties$255K

What the data shows

Honor Credit Union made the most investment property mortgages in Berrien County, MI, 61 of them.

Guaranteed Rate, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 45.

Lenders approved 91.3% of investment property mortgage applications in Berrien County, MI, 5.3 percentage points above the Michigan rate of 86.0%.

The typical investment property mortgage here is $305K, 126% larger than the Michigan typical of $135K.

Approval rate of all 16 lenders with 20+ decisions here
0%25%50%75%100%Fifth Third Bank, National Association: 72% approved of 25United Wholesale Mortgage, LLC: 76% approved of 29Rocket Mortgage, LLC: 84% approved of 31Kiavi Funding, Inc.: 86% approved of 21U.S. Bank National Association: 90% approved of 20Honor Credit Union: 90% approved of 72JPMorgan Chase Bank, National Association: 92% approved of 53Horizon Bank: 93% approved of 27Lake Michigan Credit Union: 95% approved of 20United Federal Credit Union: 95% approved of 61Crosscountry Mortgage, LLC: 96% approved of 23Sturgis Bank & Trust Company: 98% approved of 41Oak Mortgage, LLC: 98% approved of 61Guaranteed Rate, Inc.: 100% approved of 45Independent Bank: 100% approved of 23Proper Rate, LLC: 100% approved of 23

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Investment property lenders in Berrien County

LenderApprovalApprovedTaken upTypical loanLoans made
1Honor Credit Union90%65 / 7294%$185K61
2United Federal Credit Union95%58 / 61100%$145K58
3Oak Mortgage, LLC98%60 / 6183%$305K50
4JPMorgan Chase Bank, National Association92%49 / 5398%$395K48
5Guaranteed Rate, Inc.100%45 / 4598%$515K44

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 206 more lenders.

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