Mortgage Lenders and Brokers in Baldwin, Michigan
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Baldwin, Michigan mortgage lenders include Lake Michigan Credit UnionLake Michigan Credit Union496 Ada Dr SE STE 103, Ada, MI 49301, Huntington National BankHuntington National Bank202 W Maumee St, Adrian, MI 49221A+5.0 ★Texas Ratio: 3.66%, Fifth Third Bank, National AssociationFifth Third Bank, National Association475 Ada Drive, Ada Township, MI 49301A+5.0 ★Texas Ratio: 3.22%, Mercantile BankMercantile Bank230 Woodworth Ave, Alma, MI 48801A+5.0 ★Texas Ratio: 0.63%, Honor Credit UnionHonor Credit Union1253 Lincoln Rd, Allegan, MI 49010A+5.0 ★Texas Ratio: 5.27%, Consumers Credit UnionConsumers Credit Union6081 B Dr N, Battle Creek, MI 49014 8367A+5.0 ★Texas Ratio: 3.56%, Isabella BankIsabella Bank240 E Northern Ave, Barryton, MI 49305A+5.0 ★Texas Ratio: 4.10%, Members First Credit UnionMembers First Credit Union650 W 5th St, Clare, MI 48617A+5.0 ★Texas Ratio: 4.54%, United Federal Credit UnionUnited Federal Credit Union1026 W Midland Rd, AUBURN, MI 48611A+5.0 ★Texas Ratio: 4.11%, and Northpointe BankNorthpointe Bank3333 Deposit Dr Ne, Grand Rapids, MI 49546A5.0 ★Texas Ratio: 8.47%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Baldwin, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Baldwin are listed first, then lenders elsewhere in Michigan, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Baldwin, Michigan
Market share is the lender's share of all home loans closed in Baldwin, Michigan. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
Conventional, FHA, Jumbo, HELOC | 12 +1 HELOCs |
8.1% | 100% | $272,500 | |
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202 W Maumee St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 3.66% |
Conventional, HELOC | 5 +7 HELOCs |
3.4% | 100% | $123,000 | View |
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475 Ada Drive, Ada Township, MI 49301 A+5.0 ★Texas Ratio: 3.22% |
Conventional, VA, HELOC | 5 +3 HELOCs |
3.4% | 83.3% | $215,000 | View |
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230 Woodworth Ave, Alma, MI 48801 A+5.0 ★Texas Ratio: 0.63% |
Conventional | 5 | 3.4% | 100% | $259,000 | View |
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1253 Lincoln Rd, Allegan, MI 49010 A+5.0 ★Texas Ratio: 5.27% |
Conventional, HELOC | 3 +3 HELOCs |
2% | 100% | $388,333 | View |
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6081 B Dr N, Battle Creek, MI 49014 8367 A+5.0 ★Texas Ratio: 3.56% |
Conventional | 3 | 2% | 75% | $265,000 | View |
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240 E Northern Ave, Barryton, MI 49305 A+5.0 ★Texas Ratio: 4.10% |
Conventional | 2 | 1.4% | 100% | $135,000 | View |
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650 W 5th St, Clare, MI 48617 A+5.0 ★Texas Ratio: 4.54% |
Conventional | 2 | 1.4% | 100% | $100,000 | View |
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1026 W Midland Rd, AUBURN, MI 48611 A+5.0 ★Texas Ratio: 4.11% |
Conventional | 2 | 1.4% | 100% | $160,000 | View |
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3333 Deposit Dr Ne, Grand Rapids, MI 49546 A5.0 ★Texas Ratio: 8.47% |
Conventional | 2 | 1.4% | 100% | $70,000 | View |
Wmcu
825 Division St, Big Rapids, MI 49307 2229 |
Conventional | 2 | 1.4% | 50% | $60,000 | |
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508 State St, Fremont, MI 49412 A+5.0 ★Texas Ratio: 4.59% |
Conventional | 2 | 1.4% | 100% | $125,000 | View |
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5515 Van Dyke Rd, Almont, MI 48003 A+5.0 ★Texas Ratio: 5.45% |
Conventional | 2 | 1.4% | 100% | $480,000 | View |
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223 S Front St, Dowagiac, MI 49047 A+5.0 ★Texas Ratio: 5.01% |
Conventional, HELOC | 1 +1 HELOCs |
0.7% | 100% | $65,000 | View |
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7200 KALAMAZOO AVE SE, CALEDONIA, MI 49316 A5.0 ★Texas Ratio: 12.10% |
Conventional, HELOC | 1 +1 HELOCs |
0.7% | 100% | $225,000 | View |
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★ 1.7 stars, 3 reviews 855 Marshall St, Allegan, MI 49010 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +1 HELOCs |
0.7% | 100% | $305,000 | View |
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501 Main St, Frankfort, MI 49635 A5.0 ★Texas Ratio: 10.41% |
Conventional | 1 | 0.7% | 50% | $105,000 | View |
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2230 S Center Rd, Burton, MI 48519 A+5.0 ★Texas Ratio: 5.96% |
Conventional | 1 | 0.7% | 100% | $95,000 | View |
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2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830 A+5.0 ★Texas Ratio: 2.16% |
Conventional | 1 | 0.7% | 100% | $45,000 | View |
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4141 Jackson Rd, Ann Arbor, MI 48103 1827 A+5.0 ★Texas Ratio: 1.03% |
Conventional | 1 | 0.7% | 100% | $105,000 | View |
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34100 Woodward Ave, Birmingham, MI 48009 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.7% | 100% | $205,000 | View |
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6299 Lake Michigan Dr, Allendale, MI 49401 A+5.0 ★Texas Ratio: 0.50% |
Conventional | 1 | 0.7% | 100% | $505,000 | View |
Member First Mortgage, LLC
650 W 5th St, Clare, MI 48617 |
Conventional | 1 | 0.7% | 50% | $55,000 | |
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2910 Carpenter Rd, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 1.86% |
Conventional | 1 | 0.7% | 100% | $145,000 | View |
4Front Credit Union
515 E Cayuga St, Bellaire, MI 49615 |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
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340 E Huron St, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 5.54% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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14049 Lindsey Pvt Ln, Dewitt, MI 48820 A+5.0 ★Texas Ratio: 4.17% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1004 W Midland Rd, Auburn, MI 48611 A5.0 ★Texas Ratio: 6.46% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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3930 S State Rd, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 4.12% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
Rocket Mortgage
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Conventional, FHA | 15 | 10.1% | 73.9% | $143,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 8 +1 HELOCs |
5.4% | 61.5% | $187,500 | |
Mortgage 1 Incorporated
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Conventional, VA | 6 | 4.1% | 100% | $161,666 | |
Success Mortgage Partners, Inc
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Conventional | 4 | 2.7% | 80% | $75,000 | |
Legacy Mortgage
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Conventional, FHA, VA | 3 | 2% | 100% | $131,666 | |
Msu Federal Credit Union
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Conventional | 1 | 0.7% | 100% | $245,000 | |
Michigan Mutual, Inc
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Conventional | 1 | 0.7% | 100% | $145,000 | |
GreenStone Farm Credit Services
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Conventional | 1 | 0.7% | 50% | $155,000 | |
BLG Holdings, LLC
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FHA | 1 | 0.7% | 100% | $225,000 | |
Staunton Financial Inc
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Conventional | 1 | 0.7% | 100% | $425,000 | |
Union Home Mortgage Corp.
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Conventional, FHA, USDA | 9 | 6.1% | 81.8% | $171,666 | |
Nationstar Mortgage
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Conventional, FHA | 4 | 2.7% | 100% | $95,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional, FHA | 3 | 2% | 100% | $215,000 | View |
American Pacific Mortgage Corporation
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Conventional, USDA | 3 | 2% | 100% | $188,333 | |
Freedom Mortgage Corporation
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VA | 2 | 1.4% | 100% | $205,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA | 2 | 1.4% | 100% | $85,000 | View |
Guild Mortgage Company
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Conventional, FHA | 2 | 1.4% | 100% | $205,000 | |
New Day Financial, LLC.
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VA | 2 | 1.4% | 66.7% | $290,000 | |
Mortgage Research Center
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VA | 2 | 1.4% | 66.7% | $260,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.7% | 100% | $85,000 | View |
American Financial Resources LLC
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Conventional | 1 | 0.7% | 100% | $85,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 0.7% | 50% | $285,000 | |
Everett Financial, Inc.
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Conventional | 1 | 0.7% | 100% | $95,000 | |
Canopy Mortgage, LLC
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Conventional | 1 | 0.7% | 100% | $255,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.7% | 100% | $315,000 | |
Allied Mortgage Group, Inc
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VA | 1 | 0.7% | 100% | $515,000 | |
Triad Financial Services, Inc.
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Conventional | 1 | 0.7% | 100% | $85,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 0.7% | 50% | $235,000 | |
Amerisave Mortgage Company
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FHA | 1 | 0.7% | 12.5% | $95,000 | |
Cmg Mortgage Inc
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Conventional | 1 | 0.7% | 100% | $255,000 | |
Discover Bank
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Conventional | 1 | 0.7% | 50% | $55,000 | |
Churchill Mortgage Corporation
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FHA | 1 | 0.7% | 100% | $105,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 1 | 0.7% | 100% | $95,000 | View |
Mortgage Solutions of Colorado
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VA | 1 | 0.7% | 100% | $195,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.7% | 100% | $145,000 | |
Navy Federal Credit Union
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VA | 1 | 0.7% | 100% | $285,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.7% | 100% | $345,000 | View |
Carrington Mortgage Services LLC
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FHA | 1 | 0.7% | 66.7% | $135,000 | |
JMAC Lending, Inc.
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FHA | 1 | 0.7% | 100% | $175,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Baldwin Mortgage Rate Trends
Daily average mortgage rates for Michigan compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Baldwin, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Baldwin? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Baldwin in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Baldwin, MI
Use these to narrow the list above. Each category shows how many Baldwin, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Baldwin, MI
Independent mortgage companies closed 54.1 percent of home loans in Baldwin, Michigan in 2025, banks 23.6 percent and credit unions 22.3 percent. Member First Mortgage, LLC was the largest mortgage company, Huntington National Bank the largest bank and Lake Michigan Credit Union the largest credit union. Among lenders headquartered in Michigan, Lake Michigan Credit Union led with 12 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in Michigan. State real estate transfer tax of $3.75 per $500 (0.75 percent) plus a county transfer tax of $0.55 per $500 (0.11 percent), customarily paid by the seller. No mortgage recording tax.
More Michigan Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Baldwin, MI
By home loans closed in 2025, Lake Michigan Credit Union was the largest mortgage lender in Baldwin, Michigan with 12 loans, about 8.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
14 lenders closed FHA loans in Baldwin, Michigan in 2025, led by Rocket Mortgage with 5. 10 lenders closed VA loans, led by United Wholesale Mortgage, and 2 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 20 banks and 17 credit unions closed home loans in Baldwin, Michigan in 2025, alongside 33 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Baldwin, Michigan during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Baldwin, Michigan for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Baldwin. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
