Mortgage Lenders and Brokers in Baraga, 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
Baraga, Michigan mortgage lenders include Superior National BankSuperior National Bank201 S Superior Ave, Baraga, MI 49908A+5.0 ★Texas Ratio: 4.32%, Range BankRange Bank56730 Calumet Ave, Calumet, MI 49913A+5.0 ★Texas Ratio: 0.16%, Nicolet National BankNicolet National Bank468 N Ripley Blvd, Alpena, MI 49707A+5.0 ★Texas Ratio: 2.28%, Honor Credit UnionHonor Credit Union1253 Lincoln Rd, Allegan, MI 49010A+5.0 ★Texas Ratio: 5.27%, Lake Huron Credit UnionLake Huron Credit Union314 E Midland St, Bay City, MI 48706A5.0 ★Texas Ratio: 6.25%, IncrediblebankIncrediblebank56500 Us Highway 41, Calumet, MI 49913A5.0 ★Texas Ratio: 7.72%, Wells Fargo Bank NAWells Fargo Bank NA34100 Woodward Ave, Birmingham, MI 48009A+5.0 ★Texas Ratio: 5.36%, Rocket MortgageRocket MortgageDetroit, MI, GreenStone Farm Credit ServicesGreenStone Farm Credit ServicesEast Lansing, MI, and United Wholesale MortgageUnited Wholesale MortgagePontiac, MI. 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 Baraga, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Baraga 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 Baraga, Michigan
Market share is the lender's share of all home loans closed in Baraga, 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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1 office in Baraga 201 S Superior Ave, Baraga, MI 49908 A+5.0 ★Texas Ratio: 4.32% |
Conventional | 12 | 34.3% | 75% | $136,666 | View |
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56730 Calumet Ave, Calumet, MI 49913 A+5.0 ★Texas Ratio: 0.16% |
Conventional | 3 | 8.6% | 100% | $231,666 | View |
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468 N Ripley Blvd, Alpena, MI 49707 A+5.0 ★Texas Ratio: 2.28% |
Conventional, HELOC | 2 +4 HELOCs |
5.7% | 100% | $260,000 | View |
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1253 Lincoln Rd, Allegan, MI 49010 A+5.0 ★Texas Ratio: 5.27% |
Conventional | 1 | 2.9% | 100% | $105,000 | View |
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314 E Midland St, Bay City, MI 48706 A5.0 ★Texas Ratio: 6.25% |
Conventional | 1 | 2.9% | 100% | $155,000 | View |
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56500 Us Highway 41, Calumet, MI 49913 A5.0 ★Texas Ratio: 7.72% |
Conventional | 1 | 2.9% | 100% | $135,000 | View |
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34100 Woodward Ave, Birmingham, MI 48009 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 2.9% | 100% | $285,000 | View |
Rocket Mortgage
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Conventional, FHA | 2 | 5.7% | 40% | $115,000 | |
GreenStone Farm Credit Services
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Conventional | 2 | 5.7% | 100% | $175,000 | |
United Wholesale Mortgage
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VA | 1 | 2.9% | 100% | $145,000 | |
Legacy Mortgage
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Conventional | 1 | 2.9% | 50% | $145,000 | |
Mortgage Research Center
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Conventional, VA | 3 | 8.6% | 75% | $198,333 | |
American Financial Resources LLC
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FHA | 1 | 2.9% | 100% | $75,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 2.9% | 100% | $535,000 | |
New Day Financial, LLC.
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VA | 1 | 2.9% | 100% | $125,000 | |
Navy Federal Credit Union
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Conventional | 1 | 2.9% | 100% | $145,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 2.9% | 50% | $135,000 | |
Covantage Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a |
Baraga 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 Baraga, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Baraga? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Baraga in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Baraga, MI
Use these to narrow the list above. Each category shows how many Baraga, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Baraga, MI
Independent mortgage companies closed 37.1 percent of home loans in Baraga, Michigan in 2025, banks 54.3 percent and credit unions 8.6 percent. Rocket Mortgage was the largest mortgage company, Superior National Bank the largest bank and Honor Credit Union the largest credit union. Among lenders headquartered in Michigan, Superior National Bank 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 Baraga, MI
By home loans closed in 2025, Superior National Bank was the largest mortgage lender in Baraga, Michigan with 12 loans, about 34.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
2 lenders closed FHA loans in Baraga, Michigan in 2025, led by Rocket Mortgage with 1. 3 lenders closed VA loans, led by United Wholesale Mortgage. 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. 5 banks and 4 credit unions closed home loans in Baraga, Michigan in 2025, alongside 9 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 Baraga, 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 Baraga, 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 Baraga. 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.
