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Mortgage Lenders and Brokers in Battle Creek, Michigan

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Battle Creek, Michigan mortgage lenders include Kellogg Community Credit UnionKellogg Community Credit Union41 2nd St, Battle Creek, MI 49014 6286A+5.0 ★Texas Ratio: 1.68%, Fifth Third Bank, National AssociationFifth Third Bank, National Association630 Capital Ave Sw, Battle Creek, MI 49015A+5.0 ★Texas Ratio: 3.22%, OMNI Community Credit UnionOMNI Community Credit Union3141 Capital Ave SW, Battle Creek, MI 49015A+5.0 ★Texas Ratio: 2.36%, Huntington National BankHuntington National Bank1 Bedford Rd N, Battle Creek, MI 49037A+5.0 ★Texas Ratio: 3.66%, Flagstar Bank NAFlagstar Bank NA15386 Helmer Rd S, Battle Creek, MI 49015D3.3 ★Texas Ratio: 35.11%, Southern Michigan Bank & TrustSouthern Michigan Bank & Trust5350 Beckley Road B Drive North, Battle Creek, MI 49015A5.0 ★Texas Ratio: 8.82%, PNC Bank N.A.PNC Bank N.A.65 S 20th St, Battle Creek, MI 49015A+5.0 ★Texas Ratio: 4.24%, Old National BankOld National Bank140 Columbia Ave W, Battle Creek, MI 49015A+5.0 ★Texas Ratio: 4.98%, Marshall Community Credit UnionMarshall Community Credit Union1157 Michigan Ave E, Battle Creek, MI 49014 6802A5.0 ★Texas Ratio: 7.49%, and Consumers Credit UnionConsumers Credit Union6081 B Dr N, Battle Creek, MI 49014 8367A+5.0 ★Texas Ratio: 3.56%. 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 Battle Creek, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Battle Creek 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 Battle Creek, Michigan

Market share is the lender's share of all home loans closed in Battle Creek, 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
Kellogg Community Credit Union 41 2nd St, Battle Creek, MI 49014 6286 A+5.0 ★Texas Ratio: 1.68%	Conventional	172	14.3%	98.9%	$83,081	View
Fifth Third Bank, National Association 2 offices in Battle Creek 630 Capital Ave Sw, Battle Creek, MI 49015 A+5.0 ★Texas Ratio: 3.22%	Conventional, FHA, VA, HELOC	48 +12 HELOCs	4%	72.9%	$160,416	View
OMNI Community Credit Union 3141 Capital Ave SW, Battle Creek, MI 49015 A+5.0 ★Texas Ratio: 2.36%	Conventional, HELOC	43 +16 HELOCs	3.6%	65.7%	$104,767	View
Huntington National Bank 2 offices in Battle Creek 1 Bedford Rd N, Battle Creek, MI 49037 A+5.0 ★Texas Ratio: 3.66%	Conventional, FHA, VA, HELOC	16 +39 HELOCs	1.3%	61.5%	$143,125	View
Flagstar Bank NA 1 office in Battle Creek 15386 Helmer Rd S, Battle Creek, MI 49015 D3.3 ★Texas Ratio: 35.11%	Conventional, FHA, VA, HELOC	15 +2 HELOCs	1.3%	71.4%	$155,666	View
Southern Michigan Bank & Trust 1 office in Battle Creek 5350 Beckley Road B Drive North, Battle Creek, MI 49015 A5.0 ★Texas Ratio: 8.82%	Conventional	12	1%	100%	$150,833	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1 office in Battle Creek 65 S 20th St, Battle Creek, MI 49015 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	4 +8 HELOCs	0.3%	80%	$160,000	View
Old National Bank 1 office in Battle Creek 140 Columbia Ave W, Battle Creek, MI 49015 A+5.0 ★Texas Ratio: 4.98%	Conventional, HELOC	2 +3 HELOCs	0.2%	66.7%	$70,000	View
Marshall Community Credit Union 1157 Michigan Ave E, Battle Creek, MI 49014 6802 A5.0 ★Texas Ratio: 7.49%	Conventional	47	3.9%	100%	$177,340	View
Consumers Credit Union 6081 B Dr N, Battle Creek, MI 49014 8367 A+5.0 ★Texas Ratio: 3.56%	Conventional, HELOC	38 +16 HELOCs	3.2%	97.4%	$166,315	View
Honor Credit Union 6030 B Dr N, Battle Creek, MI 49014 A+5.0 ★Texas Ratio: 5.27%	Conventional, HELOC	33 +10 HELOCs	2.8%	58.9%	$122,575	View
Lake Michigan Credit Union 496 Ada Dr SE STE 103, Ada, MI 49301	Conventional, FHA, VA, HELOC	29 +6 HELOCs	2.4%	96.7%	$165,344
Sturgis Bank & Trust 232 W Monroe St, Bangor, MI 49013 A5.0 ★Texas Ratio: 9.46%	Conventional, HELOC	23 +6 HELOCs	1.9%	100%	$156,304	View
Arbor Financial Credit Union 7200 KALAMAZOO AVE SE, CALEDONIA, MI 49316 A5.0 ★Texas Ratio: 12.10%	Conventional, FHA	10	0.8%	100%	$164,000	View
KALSEE Credit Union 2121 S Drake Rd, Kalamazoo, MI 49006 5776 A+5.0 ★Texas Ratio: 2.20%	Conventional, HELOC	8 +10 HELOCs	0.7%	88.9%	$76,250	View
Mercantile Bank 230 Woodworth Ave, Alma, MI 48801 A+5.0 ★Texas Ratio: 0.63%	Conventional, FHA	8	0.7%	100%	$192,500	View
United Federal Credit Union 4950 W Dickman Rd Ste 1, Battle Creek, MI 49037 7345 A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA, HELOC	6 +1 HELOCs	0.5%	85.7%	$241,666	View
Member First Mortgage, LLC 650 W 5th St, Clare, MI 48617	Conventional, FHA	6	0.5%	60%	$130,000
Comerica Bank 215 N 20th St, Battle Creek, MI 49037 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	5 +10 HELOCs	0.4%	83.3%	$121,000	View
Ignite Credit Union 115 Riverside Dr, Battle Creek, MI 49015 A5.0 ★Texas Ratio: 7.48%	Conventional	5	0.4%	100%	$87,000	View
Wells Fargo Bank NA 34100 Woodward Ave, Birmingham, MI 48009 A+5.0 ★Texas Ratio: 5.36%	Conventional, VA	5	0.4%	62.5%	$159,000	View
Consumers Professional Credit Union 1515 S Main St, Eaton Rapids, MI 48827 1951 A+5.0 ★Texas Ratio: 3.02%	Conventional	4	0.3%	100%	$97,500	View
Dart Bank 2469 Cedar Street, Delhi Township, MI 48842 A-4.9 ★Texas Ratio: 16.59%	Conventional, FHA, HELOC	3 +1 HELOCs	0.3%	60%	$151,666	View
Horizon Bank 7100 Tower Rd, Battle Creek, MI 49014 A+5.0 ★Texas Ratio: 4.40%	Conventional, HELOC	3 +1 HELOCs	0.3%	100%	$281,666	View
Michigan First Credit Union 20645 Gibraltar Rd, Brownstown Twp, MI 48183 A+5.0 ★Texas Ratio: 4.92%	Conventional	3	0.3%	100%	$218,333	View
Independent Bank 1004 W Midland Rd, Auburn, MI 48611 A5.0 ★Texas Ratio: 6.46%	Conventional	3	0.3%	100%	$261,666	View
JPMorgan Chase Bank, NA 455 Ada Dr Se, Ada, MI 49301 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA	2	0.2%	50%	$245,000	View
County National Bank 1380 S Main St, Adrian, MI 49221 B-4.3 ★Texas Ratio: 23.94%	Conventional	2	0.2%	66.7%	$150,000	View
University Bank 2015 Washtenaw Ave, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 3.82%	Conventional, FHA	2	0.2%	100%	$95,000	View
Citizens Bank, NA 455 E Eisenhower Pkwy, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 5.44%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$165,000	View
Highpoint Community Bank 9265 Cherry Valley Ave Se, Caledonia, MI 49316 A+5.0 ★Texas Ratio: 0.33%	Conventional	1	0.1%	100%	$125,000	View
Michigan Schools and Governmen 2151 W Stadium Blvd, Ann Arbor, MI 48103 4543 A+5.0 ★Texas Ratio: 3.99%	Conventional	1	0.1%	100%	$85,000	View
Northpointe Bank 3333 Deposit Dr Ne, Grand Rapids, MI 49546 A5.0 ★Texas Ratio: 8.47%	Conventional	1	0.1%	50%	$85,000	View
Preferred Credit Union 7473 Storey Rd, Belding, MI 48809 9360 A+5.0 ★Texas Ratio: 1.25%	Conventional	1	0.1%	100%	$135,000	View
True Community Credit Union 131 S Main St, Brooklyn, MI 49230 A5.0 ★Texas Ratio: 9.21%	Conventional	1	0.1%	100%	$255,000	View
Towne Mortgage Company 2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54%	FHA	1	0.1%	100%	$135,000	View
First National Bank of Michigan 141 Ionia Ave Nw, Grand Rapids, MI 49503 A5.0 ★Texas Ratio: 7.32%	Conventional	1	0.1%	100%	$105,000	View
Tlc Community Credit Union 3030 S Adrian Hwy, Adrian, MI 49221 A+5.0 ★Texas Ratio: 0.45%	Conventional	1	0.1%	100%	$195,000	View
Advia Credit Union 2550 Capital Ave SW, Battle Creek, MI 49015 A+5.0 ★Texas Ratio: 5.38%	HELOC	0 +62 HELOCs	0%	n/a		View
Isabella Bank 240 E Northern Ave, Barryton, MI 49305 A+5.0 ★Texas Ratio: 4.10%	HELOC	0 +1 HELOCs	0%	n/a		View
Bank of America NA 395 Briarwood Cir, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 4.14%	HELOC	0 +1 HELOCs	0%	n/a		View
Community Choice Credit Union 39440 W 14 Mile Rd, Commerce Township, MI 48390 3907 A+5.0 ★Texas Ratio: 5.61%	HELOC	0 +1 HELOCs	0%	n/a		View
Rocket Mortgage	Conventional, FHA, VA	116	9.7%	73.5%	$168,275
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	68 +3 HELOCs	5.7%	92.3%	$197,500
Mortgage Center LC	Conventional, FHA	27	2.3%	79.4%	$129,444
Success Mortgage Partners, Inc	Conventional, FHA, VA	23	1.9%	100%	$101,521
Msu Federal Credit Union	Conventional, HELOC	6 +4 HELOCs	0.5%	100%	$195,000
Gold Star Mortgage Financial Group, Corporation	Conventional, FHA	6	0.5%	100%	$185,000
Mortgage 1 Incorporated	Conventional, FHA	3	0.3%	100%	$151,666
Northern Mortgage Services, LLC	Conventional, FHA	2	0.2%	100%	$180,000
Legacy Mortgage	Conventional, FHA	2	0.2%	100%	$190,000
GreenStone Farm Credit Services	Conventional	2	0.2%	100%	$400,000
Top Flite Financial, Inc.	Conventional, FHA	2	0.2%	66.7%	$165,000
Neighborhood Mortgage Solutions, LLC	Conventional	1	0.1%	100%	$315,000
Union Home Mortgage Corp.	Conventional, FHA, VA	51	4.3%	94.4%	$172,843
Gvc Mortgage, Inc.	Conventional, FHA, VA	40	3.3%	95.3%	$154,250
Mortgage Research Center	Conventional, FHA, VA	34	2.8%	66.7%	$234,411
loanDepot.com LLC	Conventional, FHA, HELOC	19 +1 HELOCs	1.6%	60.6%	$102,368
Nationstar Mortgage	Conventional, FHA, VA	17	1.4%	81.8%	$76,764
Navy Federal Credit Union	Conventional, VA, HELOC	14 +1 HELOCs	1.2%	82.4%	$198,571
Summit Home Mortgage, LLC	Conventional, FHA, VA	13	1.1%	92.9%	$170,384
21St Mortgage	Conventional	12	1%	44.4%	$78,333
Guaranteed Rate, Inc.	Conventional, FHA	11	0.9%	100%	$172,272
Prosperity Home Mortgage, LLC	Conventional, FHA	11	0.9%	100%	$148,636
Freedom Mortgage Corporation	FHA, VA	9	0.8%	76.5%	$195,000
CrossCountry Mortgage, LLC	Conventional, FHA, HELOC	8 +1 HELOCs	0.7%	80%	$148,750
Zillow Home Loans, LLC	Conventional, FHA, VA	8	0.7%	88.9%	$167,500
First Community Mortgage, Inc. A+5.0 ★Texas Ratio: 0.00%	Conventional, FHA	7	0.6%	100%	$130,714	View
Pennymac Loan Services LLC	Conventional, FHA, VA	7	0.6%	75%	$182,142
Guild Mortgage Company	Conventional, FHA	7	0.6%	100%	$139,285
American Financial Resources LLC	Conventional, VA	6	0.5%	100%	$211,666
New American Funding, LLC.	Conventional, FHA, VA	6	0.5%	85.7%	$123,333
Carrington Mortgage Services LLC	FHA, VA	6	0.5%	31.8%	$191,666
Ruoff Mortgage Company	Conventional, VA	4	0.3%	100%	$132,500
Newrez LLC	Conventional, VA	4	0.3%	44.4%	$237,500
American Pacific Mortgage Corporation	Conventional, FHA	4	0.3%	100%	$152,500
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA	3	0.3%	100%	$188,333	View
Royal United Mortgage LLC	Conventional	3	0.3%	60%	$91,666
Amerisave Mortgage Company	Conventional, FHA	3	0.3%	13.6%	$195,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	3	0.3%	75%	$205,000	View
US Bank, N.A. A+5.0 ★Texas Ratio: 2.85%	Conventional, HELOC	2 +1 HELOCs	0.2%	66.7%	$350,000	View
Everett Financial, Inc.	Conventional, VA	2	0.2%	100%	$130,000
Equity Prime Mortgage LLC	FHA	2	0.2%	66.7%	$195,000
Washington Trust Bank A+5.0 ★Texas Ratio: 4.63%	Conventional	2	0.2%	33.3%	$170,000	View
AdvantageFirst Lending Inc	Conventional, VA	2	0.2%	66.7%	$280,000
Diamond Residential Mtg Corp	Conventional, FHA	2	0.2%	100%	$75,000
Cmg Mortgage Inc	Conventional	2	0.2%	100%	$200,000
Cardinal Financial Company, Li	Conventional, FHA	2	0.2%	100%	$55,000
New Day Financial, LLC.	VA	2	0.2%	33.3%	$240,000
Planet Home Lending, LLC	Conventional, VA	2	0.2%	100%	$90,000
Mutual of Omaha Mortgage	FHA, VA	2	0.2%	50%	$165,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	2	0.2%	66.7%	$235,000	View
Ark-La-Tex Financial Services LLC	FHA, VA	2	0.2%	100%	$220,000
JMAC Lending, Inc.	Conventional, FHA	2	0.2%	100%	$175,000
Spring Eq, LLC	Conventional, HELOC	1 +2 HELOCs	0.1%	14.3%	$105,000
The Loan Store, Inc	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$395,000
Consumer Real Estate Finance Co DBA Society Mortgage	FHA	1	0.1%	100%	$195,000
Guaranteed Rate Affinity, LLC	Conventional	1	0.1%	100%	$205,000
Primelending	Conventional	1	0.1%	100%	$175,000
Goodleap, LLC	Conventional	1	0.1%	50%	$115,000
Contour Mortgage Corporation	Conventional	1	0.1%	100%	$205,000
Canopy Mortgage, LLC	FHA	1	0.1%	100%	$185,000
Kind Lending, LLC	FHA	1	0.1%	16.7%	$95,000
AmeriHome Mortgage Company, LLC	FHA	1	0.1%	100%	$305,000
PHH Mortgage Corporation	FHA	1	0.1%	100%	$55,000
Loanunited.Com, LLC	FHA	1	0.1%	100%	$185,000
United Trust Bank	VA	1	0.1%	100%	$195,000
American Financial Network, Inc.	VA	1	0.1%	100%	$575,000
Sun West Mortgage Company, Inc	FHA	1	0.1%	100%	$205,000
Das Acquisition Company, LLC	FHA	1	0.1%	100%	$145,000
Oceanside Mortgage Company	FHA	1	0.1%	100%	$175,000
Flexpoint, Inc.	Conventional	1	0.1%	100%	$255,000
Click n' Close, Inc.	Conventional	1	0.1%	100%	$5,000
American Financing Corporation	FHA	1	0.1%	66.7%	$235,000
ClearPath Lending	VA	1	0.1%	100%	$215,000
Uwharrie Bank A+5.0 ★Texas Ratio: 0.72%	Conventional	1	0.1%	100%	$275,000	View
SIRVA Mortgage, Inc.	Conventional	1	0.1%	100%	$265,000
The Bank of South Carolina A+5.0 ★Texas Ratio: 1.79%	Conventional	1	0.1%	100%	$115,000	View
Armed Forces Bank, N.A. A+5.0 ★Texas Ratio: 4.81%	FHA	1	0.1%	100%	$235,000	View
Three Rivers Federal Crediit U	Conventional	1	0.1%	100%	$95,000
Stockton Mortgage Corporation	FHA	1	0.1%	100%	$205,000
Pentagon Federal Credit Union	Conventional	1	0.1%	50%	$115,000
Logan Finance Corporation	Conventional	1	0.1%	100%	$265,000
Purdue Federal Cu	Conventional	1	0.1%	100%	$165,000
The State Bank & Trust Company A+5.0 ★Texas Ratio: 1.99%	Conventional	1	0.1%	100%	$255,000	View
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	FHA	1	0.1%	100%	$195,000	View
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional	1	0.1%	100%	$155,000	View
Nexera Holding LLC	Conventional	1	0.1%	100%	$75,000
Plaza Home Mortgage, Inc	Conventional	1	0.1%	100%	$215,000
Tammac Holdings Corporation	Conventional	1	0.1%	100%	$65,000
Village Capital & Investment	VA	1	0.1%	60%	$175,000
Figure Lending LLC	HELOC	0 +8 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +5 HELOCs	0%	n/a		View
Lendage, LLC dba Achieve Loans	HELOC	0 +5 HELOCs	0%	n/a
HomeBridge Financial Services, Inc	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 8, 2026.

Battle Creek Mortgage Rate Trends

Daily average mortgage rates for Michigan compared with the national average, updated every evening.

30-Year Fixed MI Avg

7.495%

▲ 0.082 vs 7 days ago

15-Year Fixed MI Avg

7.088%

▲ 0.096 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Battle Creek, Michigan

Looking for mortgage lenders near me or mortgage brokers near me in Battle Creek? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Battle Creek in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Battle Creek, MI

Use these to narrow the list above. Each category shows how many Battle Creek, MI lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 75 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 36 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 24 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 59 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 33 lenders. No down payment and no mortgage insurance for eligible veterans and service members Local lenders based in MI 45 lenders headquartered in Michigan, the closest thing to a mortgage lender near you

Who Lends in Battle Creek, MI

Independent mortgage companies closed 47.2 percent of home loans in Battle Creek, Michigan in 2025, banks 15.1 percent and credit unions 37.7 percent. Member First Mortgage, LLC was the largest mortgage company, Fifth Third Bank, National Association the largest bank and Kellogg Community Credit Union the largest credit union. Among lenders headquartered in Michigan, Kellogg Community Credit Union led with 172 loans.

47.2%

Mortgage companies

15.1%

Banks

37.7%

Credit unions

18%

FHA loans

10%

VA 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

All Michigan lenders 765 lenders Detroit 207 lenders Grand Rapids 201 lenders Warren 178 lenders Lansing 167 lenders Sterling Heights 175 lenders Livonia 179 lenders St. Clair Shores 138 lenders Westland 144 lenders Royal Oak 148 lenders Wyoming 152 lenders Troy 145 lenders Ann Arbor 156 lenders

Frequently Asked Questions About Mortgage Lenders in Battle Creek, MI

Who is the largest mortgage lender in Battle Creek, MI?

By home loans closed in 2025, Kellogg Community Credit Union was the largest mortgage lender in Battle Creek, Michigan with 172 loans, about 14.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Battle Creek, MI have the highest approval rates?

Among lenders with meaningful volume in Battle Creek, Michigan, Kellogg Community Credit Union approved the highest share of completed applications in 2025 at 98.9 percent, against a 80.4 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Battle Creek, MI mortgage lenders offer FHA, VA and USDA loans?

59 lenders closed FHA loans in Battle Creek, Michigan in 2025, led by Rocket Mortgage with 41. 33 lenders closed VA loans, led by Mortgage Research Center. 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.

Are credit unions and local banks included in this Battle Creek, MI lender list?

Yes. 36 banks and 24 credit unions closed home loans in Battle Creek, Michigan in 2025, alongside 75 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.

How are mortgage lenders in Battle Creek, MI ranked on this page?

Lenders are ranked only by the number of home loans they closed in Battle Creek, 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 Battle Creek, 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 Battle Creek. 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.