2025 · Michigan
Most active investment-property lenders in Michigan
In 2025, 11,632 investment-property loans were originated on single-family 1-4 unit homes in Michigan. These are the lenders that wrote the most of them, by HMDA-reported volume.
Michigan lender rankings
| # | Lender | Focus | Originations | Volume | Biz-purpose |
|---|---|---|---|---|---|
| 1 | United Shore Financial Services, LLC | DSCR / biz | 2,327 | $333M | 100% |
| 2 | Kiavi Funding, Inc. | DSCR / biz | 1,126 | $183M | 100% |
| 3 | Rocket Mortgage, LLC | Conventional | 468 | $83M | 0% |
| 4 | BPL Mortgage Trust, LLC | DSCR / biz | 431 | $44M | 100% |
| 5 | RCN Capital, LLC | DSCR / biz | 292 | $44M | 100% |
| 6 | The Loan Store, Inc. | Mixed | 275 | $51M | 35% |
| 7 | Loan Funder LLC | DSCR / biz | 221 | $41M | 100% |
| 8 | Velocity Commercial Capital, LLC | DSCR / biz | 217 | $29M | 100% |
| 9 | CV3 Financial Services, LLC | DSCR / biz | 208 | $33M | 100% |
| 10 | Lake Michigan Credit Union | DSCR / biz | 164 | $37M | 91% |
Lenders with at least 10 reported investor originations in Michigan, top 10.
How investors borrow in Michigan
The rate premium, denial rate, and DSCR share in Michigan — Investor Financing Report.
Where Michigan cash-flows
Gross rental yield and top metros in Michigan — Best Cash-Flow Markets.
Frequently asked questions
Who are the most active investment-property lenders in Michigan?
By 2025 HMDA-reported volume, the most active investment-property (single-family 1-4 unit) lenders in Michigan were United Shore Financial Services, LLC (2,327 originations), Kiavi Funding, Inc. (1,126), and Rocket Mortgage, LLC (468). 11,632 investor loans were originated statewide.
Which Michigan lenders focus on DSCR / business-purpose loans?
Lenders whose Michigan investor loans are mostly business- or commercial-purpose (the DSCR/LLC bucket) include United Shore Financial Services, LLC, Kiavi Funding, Inc., BPL Mortgage Trust, LLC, RCN Capital, LLC. Each lender's mix is flagged in the table.
Is this a ranking of the best lenders?
No — it ranks HMDA-reported origination volume, not rate, service, or terms. HMDA omits non-reporting private/hard-money lenders and under-captures business-purpose loans. Use it as a research starting point, not a recommendation.
Run a Michigan deal
Source: CFPB / FFIEC HMDA combined Modified LAR (loan-level public dataset, early release), 2025. Most active by reported volume, not a quality ranking. Lender names resolved from the 2024 HMDA filers registry (LEIs are stable across years) with a GLEIF fallback. The 2025 HMDA institution registry was not yet published at build time.