Mortgage Lenders and Brokers in Belding, 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
Belding, Michigan mortgage lenders include Mercantile BankMercantile Bank230 Woodworth Ave, Alma, MI 48801A+5.0 ★Texas Ratio: 0.63%, Independent BankIndependent Bank130 S Bridge St, Belding, MI 48809A5.0 ★Texas Ratio: 6.46%, 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%, Preferred Credit UnionPreferred Credit Union7473 Storey Rd, Belding, MI 48809 9360A+5.0 ★Texas Ratio: 1.25%, Consumers Credit UnionConsumers Credit Union6081 B Dr N, Battle Creek, MI 49014 8367A+5.0 ★Texas Ratio: 3.56%, Fifth Third Bank, National AssociationFifth Third Bank, National Association475 Ada Drive, Ada Township, MI 49301A+5.0 ★Texas Ratio: 3.22%, Michigan One Community Credit UnionMichigan One Community Credit Union7558 N Alger Rd, Alma, MI 48801A+5.0 ★Texas Ratio: 4.80%, Old National BankOld National Bank1422 S Winter St, Adrian, MI 49221A+5.0 ★Texas Ratio: 4.98%, and Michigan Schools and GovernmenMichigan Schools and Governmen2151 W Stadium Blvd, Ann Arbor, MI 48103 4543A+5.0 ★Texas Ratio: 3.99%. 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 Belding, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Belding 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 Belding, Michigan
Market share is the lender's share of all home loans closed in Belding, 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 Belding 230 Woodworth Ave, Alma, MI 48801 A+5.0 ★Texas Ratio: 0.63% |
Conventional, HELOC | 15 +8 HELOCs |
6.4% | 78.9% | $126,333 | View |
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1 office in Belding 130 S Bridge St, Belding, MI 48809 A5.0 ★Texas Ratio: 6.46% |
Conventional, HELOC | 8 +5 HELOCs |
3.4% | 80% | $213,750 | View |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
Conventional, FHA, HELOC | 27 +6 HELOCs |
11.4% | 96.6% | $202,037 | |
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202 W Maumee St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, HELOC | 8 +9 HELOCs |
3.4% | 100% | $201,250 | View |
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7473 Storey Rd, Belding, MI 48809 9360 A+5.0 ★Texas Ratio: 1.25% |
Conventional | 8 | 3.4% | 72.7% | $80,000 | View |
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6081 B Dr N, Battle Creek, MI 49014 8367 A+5.0 ★Texas Ratio: 3.56% |
Conventional, HELOC | 5 +1 HELOCs |
2.1% | 100% | $179,000 | View |
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475 Ada Drive, Ada Township, MI 49301 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 4 +4 HELOCs |
1.7% | 80% | $310,000 | View |
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7558 N Alger Rd, Alma, MI 48801 A+5.0 ★Texas Ratio: 4.80% |
Conventional | 4 | 1.7% | 100% | $115,000 | View |
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1422 S Winter St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 4.98% |
Conventional | 3 | 1.3% | 100% | $195,000 | View |
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2151 W Stadium Blvd, Ann Arbor, MI 48103 4543 A+5.0 ★Texas Ratio: 3.99% |
Conventional | 2 | 0.8% | 100% | $55,000 | View |
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2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54% |
Conventional, FHA | 2 | 0.8% | 100% | $195,000 | View |
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5515 Van Dyke Rd, Almont, MI 48003 A+5.0 ★Texas Ratio: 5.45% |
Conventional | 2 | 0.8% | 100% | $180,000 | View |
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240 E Northern Ave, Barryton, MI 49305 A+5.0 ★Texas Ratio: 4.10% |
Conventional, HELOC | 1 +2 HELOCs |
0.4% | 100% | $55,000 | View |
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2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $25,000 | View |
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7177 Headley St SE, Ada, MI 49301 9900 A+5.0 ★Texas Ratio: 2.94% |
Conventional | 1 | 0.4% | 100% | $105,000 | View |
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20645 Gibraltar Rd, Brownstown Twp, MI 48183 A+5.0 ★Texas Ratio: 4.92% |
FHA | 1 | 0.4% | 50% | $175,000 | View |
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201 S Main St, Sheridan, MI 48884 A+5.0 ★Texas Ratio: 1.16% |
Conventional | 1 | 0.4% | 100% | $375,000 | View |
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13819 White Creek Ave NE, Cedar Springs, MI 49319 A+5.0 ★Texas Ratio: 2.03% |
Conventional | 1 | 0.4% | 100% | $65,000 | View |
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2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830 A+5.0 ★Texas Ratio: 2.16% |
Conventional | 1 | 0.4% | 100% | $595,000 | View |
Wmcu
825 Division St, Big Rapids, MI 49307 2229 |
Conventional | 1 | 0.4% | 50% | $45,000 | |
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6451 Cherry Meadow Dr SE, Caledonia, MI 49316 A+5.0 ★Texas Ratio: 2.00% |
Conventional | 1 | 0.4% | 100% | $45,000 | View |
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8301 Byron Center Ave Sw, Byron Center, MI 49315 A+5.0 ★Texas Ratio: 0.48% |
Conventional | 1 | 0.4% | 100% | $325,000 | View |
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241 E Saginaw St, East Lansing, MI 48823 B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.4% | 100% | $95,000 | View |
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144 W Huron Rd, Au Gres, MI 48703 A+5.0 ★Texas Ratio: 4.40% |
Conventional | 1 | 0.4% | 100% | $255,000 | 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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2910 Carpenter Rd, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 1.86% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
United Wholesale Mortgage
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Conventional, FHA, VA | 19 | 8.1% | 95.2% | $253,421 | |
Rocket Mortgage
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Conventional, FHA, VA | 15 | 6.4% | 68.2% | $255,666 | |
Mortgage 1 Incorporated
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Conventional, FHA, USDA | 11 | 4.7% | 100% | $191,363 | |
VanDyk Mortgage Corporation
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Conventional | 5 | 2.1% | 100% | $179,000 | |
Success Mortgage Partners, Inc
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Conventional, FHA | 4 | 1.7% | 100% | $112,500 | |
MMS Mortgage Services, Ltd.
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Conventional, FHA | 4 | 1.7% | 100% | $180,000 | |
Northern Mortgage Services, LLC
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Conventional | 3 | 1.3% | 100% | $221,666 | |
Gold Star Mortgage Financial Group, Corporation
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Conventional, FHA | 2 | 0.8% | 100% | $205,000 | |
BLG Holdings, LLC
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FHA | 1 | 0.4% | 100% | $325,000 | |
Top Flite Financial, Inc.
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FHA | 1 | 0.4% | 100% | $245,000 | |
21St Mortgage
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Conventional | 10 | 4.2% | 52.6% | $82,000 | |
Guild Mortgage Company
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Conventional, FHA | 8 | 3.4% | 100% | $138,750 | |
Mortgage Research Center
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VA | 6 | 2.5% | 75% | $323,333 | |
Ark-La-Tex Financial Services LLC
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Conventional, USDA | 4 | 1.7% | 100% | $225,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 3 | 1.3% | 100% | $201,666 | |
Union Home Mortgage Corp.
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Conventional, VA, USDA | 3 | 1.3% | 100% | $208,333 | |
Nationstar Mortgage
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Conventional | 3 | 1.3% | 60% | $125,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional, FHA | 2 | 0.8% | 100% | $205,000 | View |
Freedom Mortgage Corporation
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VA | 2 | 0.8% | 80% | $300,000 | |
Canopy Mortgage, LLC
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Conventional, FHA | 2 | 0.8% | 100% | $195,000 | |
Newrez LLC
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Conventional | 2 | 0.8% | 66.7% | $250,000 | |
Triad Financial Services, Inc.
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Conventional | 2 | 0.8% | 66.7% | $105,000 | |
Amerisave Mortgage Company
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FHA | 2 | 0.8% | 50% | $145,000 | |
Cardinal Financial Company, Li
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Conventional | 2 | 0.8% | 100% | $60,000 | |
Churchill Mortgage Corporation
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Conventional, FHA | 2 | 0.8% | 100% | $135,000 | |
American Pacific Mortgage Corporation
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Conventional | 2 | 0.8% | 100% | $150,000 | |
Fairway Independent Mort Corp
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Conventional | 2 | 0.8% | 100% | $200,000 | |
Cornerstone First Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $165,000 | |
Lakeview Loan Servicing, LLC
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FHA | 1 | 0.4% | 33.3% | $195,000 | |
Gvc Mortgage, Inc.
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Conventional | 1 | 0.4% | 100% | $245,000 | |
loanDepot.com LLC
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FHA | 1 | 0.4% | 50% | $75,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.4% | 100% | $315,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
FHA | 1 | 0.4% | 100% | $125,000 | View |
Pennymac Loan Services LLC
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FHA | 1 | 0.4% | 50% | $325,000 | |
Nations Lending Corporation
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FHA | 1 | 0.4% | 100% | $155,000 | |
Fay Servicing LLC
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Conventional | 1 | 0.4% | 100% | $95,000 | |
Mortgage Solutions of Colorado
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FHA | 1 | 0.4% | 100% | $245,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.4% | 100% | $195,000 | |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional | 1 | 0.4% | 100% | $405,000 | View |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.4% | 100% | $555,000 | View |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.4% | 100% | $245,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Spring Eq, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Belding 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 Belding, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Belding? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Belding in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Belding, MI
Use these to narrow the list above. Each category shows how many Belding, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Belding, MI
Independent mortgage companies closed 56.4 percent of home loans in Belding, Michigan in 2025, banks 21.2 percent and credit unions 22.5 percent. Towne Mortgage Company was the largest mortgage company, Mercantile Bank the largest bank and Lake Michigan Credit Union the largest credit union. Among lenders headquartered in Michigan, Mercantile Bank led with 15 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 Belding, MI
By home loans closed in 2025, Mercantile Bank was the largest mortgage lender in Belding, Michigan with 15 loans, about 6.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
25 lenders closed FHA loans in Belding, Michigan in 2025, led by United Wholesale Mortgage with 8. 6 lenders closed VA loans, led by United Wholesale Mortgage, and 3 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. 17 banks and 13 credit unions closed home loans in Belding, Michigan in 2025, alongside 39 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 Belding, 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 Belding, 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 Belding. 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.
