Mortgage Lenders and Brokers in Big Rapids, 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
Big Rapids, Michigan mortgage lenders include Fifth Third Bank, National AssociationFifth Third Bank, National Association101 N Michigan Ave, Big Rapids, MI 49307A+5.0 ★Texas Ratio: 3.22%, Huntington National BankHuntington National Bank18261 Northland Dr, Big Rapids, MI 49307A+5.0 ★Texas Ratio: 3.66%, Independent BankIndependent Bank404 Perry Ave, Big Rapids, MI 49307A5.0 ★Texas Ratio: 6.46%, Horizon BankHorizon Bank125 N Michigan Ave, Big Rapids, MI 49307A+5.0 ★Texas Ratio: 4.40%, Isabella BankIsabella Bank711 Maple St, Big Rapids, MI 49307A+5.0 ★Texas Ratio: 4.10%, Lake Michigan Credit UnionLake Michigan Credit Union496 Ada Dr SE STE 103, Ada, MI 49301, WmcuWmcu825 Division St, Big Rapids, MI 49307 2229, Mercantile BankMercantile Bank230 Woodworth Ave, Alma, MI 48801A+5.0 ★Texas Ratio: 0.63%, Dart BankDart Bank2469 Cedar Street, Delhi Township, MI 48842A-4.9 ★Texas Ratio: 16.59%, and Flagstar Bank NAFlagstar Bank NA3233 Fairlane Dr, Allen Park, MI 48101D3.3 ★Texas Ratio: 35.11%. 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 Big Rapids, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Big Rapids 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 Big Rapids, Michigan
Market share is the lender's share of all home loans closed in Big Rapids, 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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2 offices in Big Rapids 101 N Michigan Ave, Big Rapids, MI 49307 A+5.0 ★Texas Ratio: 3.22% |
Conventional, FHA, HELOC | 7 +6 HELOCs |
4.2% | 88.9% | $72,142 | View |
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1 office in Big Rapids 18261 Northland Dr, Big Rapids, MI 49307 A+5.0 ★Texas Ratio: 3.66% |
Conventional, HELOC | 6 +31 HELOCs |
3.6% | 66.7% | $238,333 | View |
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1 office in Big Rapids 404 Perry Ave, Big Rapids, MI 49307 A5.0 ★Texas Ratio: 6.46% |
Conventional, HELOC | 6 +6 HELOCs |
3.6% | 100% | $255,000 | View |
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1 office in Big Rapids 125 N Michigan Ave, Big Rapids, MI 49307 A+5.0 ★Texas Ratio: 4.40% |
Conventional, HELOC | 3 +12 HELOCs |
1.8% | 75% | $111,666 | View |
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2 offices in Big Rapids 711 Maple St, Big Rapids, MI 49307 A+5.0 ★Texas Ratio: 4.10% |
Conventional, HELOC | 1 +5 HELOCs |
0.6% | 100% | $245,000 | View |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
Conventional, HELOC | 14 +4 HELOCs |
8.4% | 93.3% | $332,142 | |
Wmcu
825 Division St, Big Rapids, MI 49307 2229 |
Conventional | 12 | 7.2% | 83.3% | $109,166 | |
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230 Woodworth Ave, Alma, MI 48801 A+5.0 ★Texas Ratio: 0.63% |
Conventional, FHA, HELOC | 5 +3 HELOCs |
3% | 100% | $185,000 | View |
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2469 Cedar Street, Delhi Township, MI 48842 A-4.9 ★Texas Ratio: 16.59% |
Conventional, FHA, HELOC | 4 +1 HELOCs |
2.4% | 100% | $250,000 | View |
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3233 Fairlane Dr, Allen Park, MI 48101 D3.3 ★Texas Ratio: 35.11% |
FHA, VA | 2 | 1.2% | 100% | $295,000 | View |
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20645 Gibraltar Rd, Brownstown Twp, MI 48183 A+5.0 ★Texas Ratio: 4.92% |
Conventional | 2 | 1.2% | 100% | $80,000 | View |
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455 Ada Dr Se, Ada, MI 49301 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.6% | 100% | $445,000 | View |
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1422 S Winter St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 4.98% |
Conventional | 1 | 0.6% | 100% | $215,000 | View |
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1026 W Midland Rd, AUBURN, MI 48611 A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.6% | 100% | $175,000 | View |
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395 Briarwood Cir, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.6% | 100% | $355,000 | View |
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6451 Cherry Meadow Dr SE, Caledonia, MI 49316 A+5.0 ★Texas Ratio: 2.00% |
Conventional | 1 | 0.6% | 100% | $225,000 | View |
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6081 B Dr N, Battle Creek, MI 49014 8367 A+5.0 ★Texas Ratio: 3.56% |
Conventional | 1 | 0.6% | 100% | $185,000 | View |
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2936 Wilder Rd, Bay City, MI 48706 A+5.0 ★Texas Ratio: 3.16% |
Conventional | 1 | 0.6% | 100% | $125,000 | View |
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3333 Deposit Dr Ne, Grand Rapids, MI 49546 A5.0 ★Texas Ratio: 8.47% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Rocket Mortgage
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Conventional, FHA | 15 | 9% | 83.3% | $181,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 12 +2 HELOCs |
7.2% | 81.2% | $271,666 | |
Legacy Mortgage
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VA, USDA | 2 | 1.2% | 100% | $215,000 | |
GreenStone Farm Credit Services
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Conventional, Jumbo | 2 | 1.2% | 100% | $600,000 | |
Staunton Financial Inc
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Conventional, FHA | 2 | 1.2% | 100% | $170,000 | |
Mortgage 1 Incorporated
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Conventional | 1 | 0.6% | 50% | $135,000 | |
Success Mortgage Partners, Inc
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Conventional | 1 | 0.6% | 100% | $265,000 | |
Union Home Mortgage Corp.
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Conventional, FHA, VA | 11 | 6.6% | 100% | $229,545 | |
American Pacific Mortgage Corporation
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Conventional, FHA, VA, USDA | 7 | 4.2% | 100% | $172,142 | |
Guild Mortgage Company
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Conventional, FHA | 5 | 3% | 100% | $123,000 | |
Mortgage Research Center
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VA | 5 | 3% | 62.5% | $181,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 4 | 2.4% | 100% | $267,500 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional, VA | 2 | 1.2% | 100% | $210,000 | View |
loanDepot.com LLC
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Conventional | 2 | 1.2% | 100% | $130,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 2 | 1.2% | 100% | $160,000 | View |
Nationstar Mortgage
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Conventional, FHA | 2 | 1.2% | 100% | $200,000 | |
New American Funding, LLC.
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Conventional, FHA | 2 | 1.2% | 100% | $140,000 | |
Navy Federal Credit Union
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VA, HELOC | 1 +1 HELOCs |
0.6% | 100% | $215,000 | |
Zippy Loans, LLC
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Conventional | 1 | 0.6% | 100% | $25,000 | |
American Financial Resources LLC
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FHA | 1 | 0.6% | 100% | $195,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.6% | 100% | $285,000 | |
Freedom Mortgage Corporation
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FHA | 1 | 0.6% | 100% | $245,000 | |
Newrez LLC
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FHA | 1 | 0.6% | 100% | $165,000 | |
Amerisave Mortgage Company
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FHA | 1 | 0.6% | 50% | $515,000 | |
Discover Bank
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Conventional | 1 | 0.6% | 50% | $55,000 | |
Das Acquisition Company, LLC
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FHA | 1 | 0.6% | 100% | $205,000 | |
Illinois State Credit Union
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Conventional | 1 | 0.6% | 100% | $115,000 | |
Calcon Mutual Mortgage LLC
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Conventional | 1 | 0.6% | 100% | $155,000 | |
Planet Home Lending, LLC
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FHA | 1 | 0.6% | 100% | $205,000 | |
Stockton Mortgage Corporation
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USDA | 1 | 0.6% | 100% | $245,000 | |
City & County Credit Union
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Conventional | 1 | 0.6% | 100% | $115,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.6% | 100% | $395,000 | |
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A5.0 ★Texas Ratio: 10.77% |
VA | 1 | 0.6% | 100% | $215,000 | View |
Lower, LLC
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FHA | 1 | 0.6% | 100% | $215,000 | |
Fairway Independent Mort Corp
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VA | 1 | 0.6% | 100% | $275,000 | |
21St Mortgage
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Conventional | 1 | 0.6% | 20% | $55,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
VA | 1 | 0.6% | 100% | $295,000 | View |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a |
Big Rapids 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 Big Rapids, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Big Rapids? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Big Rapids in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Big Rapids, MI
Use these to narrow the list above. Each category shows how many Big Rapids, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Big Rapids, MI
Independent mortgage companies closed 52.4 percent of home loans in Big Rapids, Michigan in 2025, banks 26.5 percent and credit unions 21.1 percent. Rocket Mortgage was the largest mortgage company, Fifth Third Bank, National Association the largest bank and Lake Michigan Credit Union the largest credit union. Among lenders headquartered in Michigan, Independent Bank led with 6 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 Big Rapids, MI
By home loans closed in 2025, Fifth Third Bank, National Association was the largest mortgage lender in Big Rapids, Michigan with 7 loans, about 4.2 percent of the market. The largest lender headquartered in Michigan was Independent Bank with 6 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
20 lenders closed FHA loans in Big Rapids, Michigan in 2025, led by Rocket Mortgage with 5. 12 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 10 credit unions closed home loans in Big Rapids, Michigan in 2025, alongside 30 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 Big Rapids, 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 Big Rapids, 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 Big Rapids. 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.
