Mortgage Lenders and Brokers in Bay City, 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
Bay City, Michigan mortgage lenders include United Bay Community CUUnited Bay Community CU1309 N Lincoln St, Bay City, MI 48708 6172A5.0 ★Texas Ratio: 6.23%, FinancialEdge Credit UnionFinancialEdge Credit Union1199 S Euclid Ave, Bay City, MI 48706, Huntington National BankHuntington National Bank900 W Midland St, Bay City, MI 48706A+5.0 ★Texas Ratio: 3.66%, Independent BankIndependent Bank745 N Euclid Ave, Bay City, MI 48706A5.0 ★Texas Ratio: 6.46%, Sunrise Family Credit UnionSunrise Family Credit Union404 S Euclid Ave, Bay City, MI 48706 3206A+5.0 ★Texas Ratio: 0.29%, Fifth Third Bank, National AssociationFifth Third Bank, National Association3870 State Street Rd, Bay City, MI 48706A+5.0 ★Texas Ratio: 3.22%, Isabella BankIsabella Bank723 South Washington Avenue, Bay City, MI 48708A+5.0 ★Texas Ratio: 4.10%, PNC Bank N.A.PNC Bank N.A.1111 N Euclid Ave, Bay City, MI 48706A+5.0 ★Texas Ratio: 4.24%, Thumb Bank & TrustThumb Bank & Trust708 Center Ave Ste 1, Bay City, MI 48708A+5.0 ★Texas Ratio: 0.17%, and Great Lakes Federal Credit UniGreat Lakes Federal Credit UniBay City, 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 Bay City, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Bay City 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 Bay City, Michigan
Market share is the lender's share of all home loans closed in Bay City, 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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1309 N Lincoln St, Bay City, MI 48708 6172 A5.0 ★Texas Ratio: 6.23% |
Conventional | 34 | 5.3% | 94.4% | $72,941 | View |
FinancialEdge Credit Union
1199 S Euclid Ave, Bay City, MI 48706 |
Conventional | 24 | 3.7% | 100% | $84,583 | |
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4 offices in Bay City 900 W Midland St, Bay City, MI 48706 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, VA, HELOC | 20 +25 HELOCs |
3.1% | 71% | $95,500 | View |
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2 offices in Bay City 745 N Euclid Ave, Bay City, MI 48706 A5.0 ★Texas Ratio: 6.46% |
Conventional, FHA, HELOC | 16 +5 HELOCs |
2.5% | 88.9% | $140,625 | View |
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404 S Euclid Ave, Bay City, MI 48706 3206 A+5.0 ★Texas Ratio: 0.29% |
Conventional, HELOC | 12 +2 HELOCs |
1.9% | 100% | $97,500 | View |
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1 office in Bay City 3870 State Street Rd, Bay City, MI 48706 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 4 +4 HELOCs |
0.6% | 66.7% | $100,000 | View |
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1 office in Bay City 723 South Washington Avenue, Bay City, MI 48708 A+5.0 ★Texas Ratio: 4.10% |
Conventional | 4 | 0.6% | 100% | $125,000 | View |
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★ 1.7 stars, 3 reviews 2 offices in Bay City 1111 N Euclid Ave, Bay City, MI 48706 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 3 +5 HELOCs |
0.5% | 100% | $98,333 | View |
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1 office in Bay City 708 Center Ave Ste 1, Bay City, MI 48708 A+5.0 ★Texas Ratio: 0.17% |
Conventional | 1 | 0.2% | 100% | $305,000 | View |
Great Lakes Federal Credit Uni
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Conventional | 19 | 2.9% | 100% | $68,157 | |
Financial Plus Credit Union
4129 N Euclid Ave, Bay City, MI 48706 |
Conventional, FHA | 27 | 4.2% | 81.8% | $65,000 | |
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2936 Wilder Rd, Bay City, MI 48706 A+5.0 ★Texas Ratio: 3.16% |
Conventional | 26 | 4% | 92.9% | $120,384 | View |
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800 N Euclid Ave, Bay City, MI 48706 A5.0 ★Texas Ratio: 8.18% |
Conventional | 19 | 2.9% | 95% | $89,210 | View |
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915 S Euclid Ave, Bay City, MI 48706 A+5.0 ★Texas Ratio: 2.11% |
Conventional | 18 | 2.8% | 90% | $93,333 | View |
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650 W 5th St, Clare, MI 48617 A+5.0 ★Texas Ratio: 4.54% |
Conventional | 6 | 0.9% | 100% | $115,000 | View |
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3907 Wilder Rd, Bay City, MI 48706 A+5.0 ★Texas Ratio: 2.15% |
Conventional | 6 | 0.9% | 85.7% | $93,333 | View |
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230 Woodworth Ave, Alma, MI 48801 A+5.0 ★Texas Ratio: 0.63% |
Conventional, FHA | 5 | 0.8% | 83.3% | $139,000 | View |
Dow Credit Union
600 E Lyon Rd, Midland, MI 48640 5396 |
Conventional | 4 | 0.6% | 83.3% | $235,000 | |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
Conventional, FHA, HELOC | 3 +1 HELOCs |
0.5% | 100% | $115,000 | |
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2100 Executive Hills Dr, Auburn Hills, MI 48326 2947 A+5.0 ★Texas Ratio: 5.37% |
Conventional, HELOC | 2 +1 HELOCs |
0.3% | 100% | $80,000 | View |
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455 Ada Dr Se, Ada, MI 49301 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 2 +1 HELOCs |
0.3% | 66.7% | $205,000 | View |
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1479 Straits Dr, Bay City, MI 48706 A+5.0 ★Texas Ratio: 4.72% |
Conventional | 2 | 0.3% | 100% | $50,000 | View |
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6354 Westside Saginaw Rd, Bay City, MI 48706 9394 A+5.0 ★Texas Ratio: 4.11% |
Conventional | 2 | 0.3% | 100% | $275,000 | View |
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314 E Midland St, Bay City, MI 48706 A5.0 ★Texas Ratio: 6.25% |
Conventional | 2 | 0.3% | 40% | $125,000 | View |
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401 E MIDLAND ST, BAY CITY, MI 48706 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 2 | 0.3% | 66.7% | $65,000 | View |
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2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54% |
Conventional, HELOC | 1 +4 HELOCs |
0.2% | 100% | $145,000 | View |
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2469 Cedar Street, Delhi Township, MI 48842 A-4.9 ★Texas Ratio: 16.59% |
Conventional | 1 | 0.2% | 100% | $235,000 | View |
Community Financial
12483 State St, Atlanta, MI 49709 |
Conventional | 1 | 0.2% | 100% | $45,000 | |
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5750 Baypointe Blvd, Clarkston, MI 48346 3192 A+5.0 ★Texas Ratio: 4.06% |
Conventional | 1 | 0.2% | 100% | $105,000 | View |
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20645 Gibraltar Rd, Brownstown Twp, MI 48183 A+5.0 ★Texas Ratio: 4.92% |
Conventional | 1 | 0.2% | 100% | $215,000 | View |
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14049 Lindsey Pvt Ln, Dewitt, MI 48820 A+5.0 ★Texas Ratio: 4.17% |
Conventional | 1 | 0.2% | 100% | $35,000 | View |
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34100 Woodward Ave, Birmingham, MI 48009 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.2% | 100% | $575,000 | View |
Member First Mortgage, LLC
650 W 5th St, Clare, MI 48617 |
Conventional | 1 | 0.2% | 50% | $165,000 | |
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2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54% |
FHA | 1 | 0.2% | 100% | $85,000 | View |
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5515 Van Dyke Rd, Almont, MI 48003 A+5.0 ★Texas Ratio: 5.45% |
Conventional | 1 | 0.2% | 100% | $265,000 | View |
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1553 Lansing Rd, Charlotte, MI 48813 A+5.0 ★Texas Ratio: 1.86% |
Conventional | 1 | 0.2% | 100% | $145,000 | View |
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3233 Fairlane Dr, Allen Park, MI 48101 D3.3 ★Texas Ratio: 35.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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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 | |
Staunton Financial Inc
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Conventional, FHA, VA | 66 | 10.2% | 97.1% | $124,696 | |
Rocket Mortgage
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Conventional, FHA, VA | 60 | 9.3% | 73.5% | $125,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 40 | 6.2% | 78.8% | $152,750 | |
Legacy Mortgage
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Conventional, FHA | 10 | 1.5% | 100% | $125,000 | |
Top Flite Financial, Inc.
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Conventional, FHA | 8 | 1.2% | 100% | $146,250 | |
BLG Holdings, LLC
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Conventional, FHA | 6 | 0.9% | 100% | $113,333 | |
Mortgage 1 Incorporated
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Conventional, FHA | 4 | 0.6% | 100% | $120,000 | |
Gold Star Mortgage Financial Group, Corporation
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Conventional, FHA | 3 | 0.5% | 100% | $108,333 | |
Msu Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $285,000 | |
Michigan Mutual, Inc
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VA | 1 | 0.2% | 100% | $145,000 | |
Success Mortgage Partners, Inc
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FHA | 1 | 0.2% | 100% | $145,000 | |
Ross Mortgage Corporation
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FHA | 1 | 0.2% | 100% | $135,000 | |
Das Acquisition Company, LLC
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Conventional, FHA | 27 | 4.2% | 100% | $129,444 | |
Guaranteed Rate, Inc.
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Conventional, FHA, HELOC | 14 +1 HELOCs |
2.2% | 93.3% | $125,714 | |
Mortgage Research Center
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FHA, VA | 14 | 2.2% | 73.7% | $167,142 | |
Mortgage300 Corporation
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Conventional, FHA | 8 | 1.2% | 100% | $112,500 | |
Newrez LLC
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Conventional, FHA | 6 | 0.9% | 75% | $126,666 | |
Navy Federal Credit Union
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Conventional, VA, HELOC | 5 +1 HELOCs |
0.8% | 62.5% | $101,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional, FHA | 5 | 0.8% | 100% | $143,000 | View |
CrossCountry Mortgage, LLC
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Conventional, VA | 5 | 0.8% | 100% | $187,000 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 5 | 0.8% | 62.5% | $145,000 | |
Nationstar Mortgage
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Conventional, FHA, VA | 5 | 0.8% | 100% | $101,000 | |
Fairway Independent Mort Corp
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Conventional, FHA | 5 | 0.8% | 100% | $81,000 | |
Everett Financial, Inc.
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Conventional, FHA | 4 | 0.6% | 100% | $112,500 | |
Freedom Mortgage Corporation
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FHA, VA | 4 | 0.6% | 57.1% | $155,000 | |
Kind Lending, LLC
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Conventional, FHA | 4 | 0.6% | 80% | $60,000 | |
New American Funding, LLC.
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Conventional, FHA | 4 | 0.6% | 50% | $105,000 | |
loanDepot.com LLC
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Conventional, HELOC | 3 +2 HELOCs |
0.5% | 37.5% | $108,333 | |
Home Mortgage Advisors, LLC
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Conventional, FHA, HELOC | 3 +2 HELOCs |
0.5% | 100% | $151,666 | |
Amerisave Mortgage Company
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Conventional, FHA | 3 | 0.5% | 21.4% | $161,666 | |
ClearPath Lending
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VA | 3 | 0.5% | 100% | $175,000 | |
Union Home Mortgage Corp.
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Conventional, FHA | 3 | 0.5% | 100% | $138,333 | |
Better Mortgage Corporation
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Conventional | 3 | 0.5% | 75% | $65,000 | |
Cornerstone First Mortgage, LLC
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Conventional | 2 | 0.3% | 100% | $110,000 | |
Goodleap, LLC
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VA | 2 | 0.3% | 66.7% | $170,000 | |
Equity Prime Mortgage LLC
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FHA, VA | 2 | 0.3% | 50% | $135,000 | |
American Pacific Mortgage Corporation
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Conventional, FHA | 2 | 0.3% | 100% | $125,000 | |
Geneva Financial LLC
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Conventional, FHA | 2 | 0.3% | 100% | $55,000 | |
Southwest Funding LP
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Conventional, FHA | 2 | 0.3% | 100% | $50,000 | |
The Loan Store, Inc
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Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $155,000 | |
Consumer Real Estate Finance Co DBA Society Mortgage
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Conventional | 1 | 0.2% | 100% | $75,000 | |
American Financial Resources LLC
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FHA | 1 | 0.2% | 100% | $175,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.2% | 33.3% | $75,000 | |
Greenstate Credit Union
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Conventional | 1 | 0.2% | 100% | $105,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.2% | 33.3% | $475,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $125,000 | |
Deephaven Mortgage LLC
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Conventional | 1 | 0.2% | 100% | $115,000 | |
Synergy One Lending, Inc.
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Conventional | 1 | 0.2% | 50% | $165,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.2% | 50% | $85,000 | |
American Financial Network, Inc.
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Conventional | 1 | 0.2% | 100% | $125,000 | |
Assurance Financial Group, L.L.C.
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FHA | 1 | 0.2% | 100% | $115,000 | |
American Financing Corporation
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FHA | 1 | 0.2% | 42.9% | $65,000 | |
New Day Financial, LLC.
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VA | 1 | 0.2% | 25% | $165,000 | |
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A4.7 ★Texas Ratio: 3.20% |
VA | 1 | 0.2% | 100% | $145,000 | View |
Churchill Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $175,000 | |
Planet Home Lending, LLC
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FHA | 1 | 0.2% | 100% | $55,000 | |
Citadel Servicing Corporation
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Conventional | 1 | 0.2% | 100% | $265,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.2% | 100% | $135,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $135,000 | |
Mutual of Omaha Mortgage
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FHA | 1 | 0.2% | 50% | $95,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
FHA | 1 | 0.2% | 100% | $65,000 | View |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.2% | 100% | $515,000 | View |
Carrington Mortgage Services LLC
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FHA | 1 | 0.2% | 50% | $75,000 | |
Ark-La-Tex Financial Services LLC
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VA | 1 | 0.2% | 100% | $115,000 | |
Village Capital & Investment
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VA | 1 | 0.2% | 66.7% | $85,000 | |
Figure Lending LLC
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HELOC | 0 +7 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +6 HELOCs |
0% | n/a | View | |
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Wings Financial Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Spring Eq, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Bay City 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 Bay City, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Bay City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Bay City in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Bay City, MI
Use these to narrow the list above. Each category shows how many Bay City, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Bay City, MI
Independent mortgage companies closed 55.6 percent of home loans in Bay City, Michigan in 2025, banks 11.1 percent and credit unions 33.3 percent. Member First Mortgage, LLC was the largest mortgage company, Huntington National Bank the largest bank and United Bay Community CU the largest credit union. Among lenders headquartered in Michigan, United Bay Community CU led with 34 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 Bay City, MI
By home loans closed in 2025, United Bay Community CU was the largest mortgage lender in Bay City, Michigan with 34 loans, about 5.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Bay City, Michigan, Staunton Financial Inc approved the highest share of completed applications in 2025 at 97.1 percent, against a 83.8 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.
43 lenders closed FHA loans in Bay City, Michigan in 2025, led by Staunton Financial Inc with 23. 18 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.
Yes. 18 banks and 27 credit unions closed home loans in Bay City, Michigan in 2025, alongside 63 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 Bay City, 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 Bay City, 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 Bay City. 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.
