Applications / Mortgage Analytics / Lenders / Michigan / VanDyk Mortgage
Grand Rapids, MI · Independent non-bank lender · CFPB · 2,428 loans in 2025
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2,428
loans originated, 2025
3,606
applications, 2025
39
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
VanDyk Mortgage, a Grand Rapids lender that does more business in Florida than in any other state, leans more on government-backed home-purchase loans than most similar lenders.
Loans insured by the Federal Housing Administration (FHA) make up 30.2% of its lending, against 22.5% at similar lenders, independent non-bank lenders making between half and twice as many loans. Loans guaranteed by the Department of Veterans Affairs (VA) are 10.3%, against 6.5%, and rural loans guaranteed by the Department of Agriculture's Rural Housing Service (RHS) 2.9%, against 0.4%. Purchases are 82.5% of its loans.
Its typical loan was $265,000, against $315,000 at similar lenders. Borrowers with low or moderate incomes took 33.4% of its loans, more than at about two-thirds of similar lenders. Manufactured homes make up 5.4% of its loans, a higher share than at about nine in ten of them. It turned down fewer applications than similar lenders: 2.9% for purchases and 4.0% for refinances, against 4.2% and 5.8%.
It made 2,428 loans in 2025, almost the same as in 2024, while similar lenders grew by 9%. Its count peaked at 10,349 in 2020.
It has lent in Muskegon since 1993 and ranks sixth of 233 lenders there, with 4.5% of dollars, unchanged; Lake Michigan Credit Union leads. Its largest market is Tampa, where it ranks 54th of 925. It gained share in Albuquerque, to 0.5% from 0.2%, and in Cape Coral-Fort Myers.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. VanDyk Mortgage took 3,606 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 82.5% · Refinance 17.3% · Home improvement 0.3%
Conventional 56.6% · FHA 30.2% · VA 10.3% · USDA (RHS or FSA) 2.9% · of 2,428 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Florida | 652 | 26.9% |
| Michigan | 441 | 18.2% |
| Ohio | 213 | 8.8% |
| Tennessee | 202 | 8.3% |
| Indiana | 187 | 7.7% |
| North Carolina | 112 | 4.6% |
| Idaho | 109 | 4.5% |
| New Mexico | 104 | 4.3% |
| Utah | 84 | 3.5% |
| Texas | 54 | 2.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Muskegon-Norton Shores | 201 |
| Tampa | 189 |
| St. Petersburg-Clearwater-Largo | 128 |
| Cape Coral-Fort Myers | 99 |
| Cincinnati | 90 |
| Albuquerque | 86 |
| Grand Rapids-Wyoming-Kentwood | 82 |
| Lansing-East Lansing | 81 |
| Pocatello | 58 |
| Toledo | 51 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XQ7B5FIVUNFE29 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3872039 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7382749215 | |
| Respondent ID (the HMDA filer code before 2018) | 77140600003 | 1990–2005 |
Established 10 July 1987. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: VanDyk Mortgage's data.
VanDyk Mortgage's data
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