Mortgage Lenders and Brokers in Boyne 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
Boyne City, Michigan mortgage lenders include Huntington National BankHuntington National Bank101 River St, Boyne City, MI 49712A+5.0 ★Texas Ratio: 3.66%, Lake Michigan Credit UnionLake Michigan Credit Union496 Ada Dr SE STE 103, Ada, MI 49301, 4Front Credit Union4Front Credit Union308 N Lake St, Boyne City, MI 49712, Mercantile BankMercantile Bank230 Woodworth Ave, Alma, MI 48801A+5.0 ★Texas Ratio: 0.63%, Honor BankHonor Bank11926 Chippewa Hwy, Bear Lake, MI 49614A+5.0 ★Texas Ratio: 5.27%, Dow Credit UnionDow Credit Union600 E Lyon Rd, Midland, MI 48640 5396, Community FinancialCommunity Financial12483 State St, Atlanta, MI 49709, Independent BankIndependent Bank1004 W Midland Rd, Auburn, MI 48611A5.0 ★Texas Ratio: 6.46%, First Merchants BankFirst Merchants Bank3930 S State Rd, Ann Arbor, MI 48108A+5.0 ★Texas Ratio: 4.12%, and Fifth Third Bank, National AssociationFifth Third Bank, National Association475 Ada Drive, Ada Township, MI 49301A+5.0 ★Texas Ratio: 3.22%. 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 Boyne City, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Boyne 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 Boyne City, Michigan
Market share is the lender's share of all home loans closed in Boyne 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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1 office in Boyne City 101 River St, Boyne City, MI 49712 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, Jumbo, HELOC | 14 +12 HELOCs |
11.5% | 87.5% | $347,142 | View |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
Conventional, Jumbo, HELOC | 8 +4 HELOCs |
6.6% | 88.9% | $672,500 | |
4Front Credit Union
308 N Lake St, Boyne City, MI 49712 |
Conventional, HELOC | 7 +10 HELOCs |
5.7% | 88.9% | $170,714 | |
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230 Woodworth Ave, Alma, MI 48801 A+5.0 ★Texas Ratio: 0.63% |
Conventional, FHA, Jumbo, HELOC | 7 +3 HELOCs |
5.7% | 100% | $536,428 | View |
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11926 Chippewa Hwy, Bear Lake, MI 49614 A+5.0 ★Texas Ratio: 5.27% |
Conventional | 3 | 2.5% | 100% | $268,333 | View |
Dow Credit Union
600 E Lyon Rd, Midland, MI 48640 5396 |
Conventional | 3 | 2.5% | 100% | $248,333 | |
Community Financial
12483 State St, Atlanta, MI 49709 |
Conventional, HELOC | 2 +1 HELOCs |
1.6% | 100% | $215,000 | |
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1004 W Midland Rd, Auburn, MI 48611 A5.0 ★Texas Ratio: 6.46% |
Conventional | 2 | 1.6% | 100% | $225,000 | View |
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3930 S State Rd, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 4.12% |
Conventional, Jumbo | 2 | 1.6% | 100% | $710,000 | View |
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475 Ada Drive, Ada Township, MI 49301 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 1 +1 HELOCs |
0.8% | 50% | $105,000 | View |
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2100 Executive Hills Dr, Auburn Hills, MI 48326 2947 A+5.0 ★Texas Ratio: 5.37% |
Conventional, Jumbo | 1 | 0.8% | 50% | $1,805,000 | View |
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1422 S Winter St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 4.98% |
Conventional | 1 | 0.8% | 100% | $35,000 | View |
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49 N Benzie Blvd, Beulah, MI 49617 A+5.0 ★Texas Ratio: 1.81% |
Conventional | 1 | 0.8% | 50% | $335,000 | View |
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232 W Monroe St, Bangor, MI 49013 A5.0 ★Texas Ratio: 9.46% |
Conventional | 1 | 0.8% | 100% | $265,000 | View |
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3907 Wilder Rd, Bay City, MI 48706 A+5.0 ★Texas Ratio: 2.15% |
Conventional | 1 | 0.8% | 100% | $105,000 | View |
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131 S Main St, Brooklyn, MI 49230 A5.0 ★Texas Ratio: 9.21% |
Conventional | 1 | 0.8% | 100% | $45,000 | View |
Member First Mortgage, LLC
650 W 5th St, Clare, MI 48617 |
Conventional | 1 | 0.8% | 100% | $245,000 | |
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2910 Carpenter Rd, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 1.86% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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223 S Front St, Dowagiac, MI 49047 A+5.0 ★Texas Ratio: 5.01% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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144 W Huron Rd, Au Gres, MI 48703 A+5.0 ★Texas Ratio: 4.40% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo | 19 | 15.6% | 90.5% | $335,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 15 | 12.3% | 93.8% | $240,333 | |
VanDyk Mortgage Corporation
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Conventional | 1 | 0.8% | 100% | $215,000 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 3 | 2.5% | 100% | $281,666 | |
Union Home Mortgage Corp.
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Conventional, FHA | 3 | 2.5% | 100% | $251,666 | |
Newrez LLC
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Conventional | 2 | 1.6% | 100% | $60,000 | |
Kind Lending, LLC
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Conventional, FHA | 2 | 1.6% | 66.7% | $235,000 | |
Calcon Mutual Mortgage LLC
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Conventional | 2 | 1.6% | 100% | $275,000 | |
Nationstar Mortgage
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Conventional | 2 | 1.6% | 100% | $125,000 | |
Mutual of Omaha Mortgage
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Conventional, FHA | 2 | 1.6% | 100% | $180,000 | |
New American Funding, LLC.
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Conventional, FHA | 2 | 1.6% | 100% | $90,000 | |
Fairway Independent Mort Corp
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Conventional | 2 | 1.6% | 100% | $285,000 | |
Better Mortgage Corporation
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Conventional, HELOC | 1 +2 HELOCs |
0.8% | 100% | $55,000 | |
Everett Financial, Inc.
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Conventional, Jumbo | 1 | 0.8% | 100% | $835,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 0.8% | 100% | $375,000 | |
Deephaven Mortgage LLC
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Conventional, Jumbo | 1 | 0.8% | 100% | $1,165,000 | |
Nfm, Inc
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FHA | 1 | 0.8% | 100% | $355,000 | |
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A+5.0 ★Texas Ratio: 5.37% |
Conventional | 1 | 0.8% | 100% | $405,000 | View |
Covantage Credit Union
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Conventional | 1 | 0.8% | 100% | $175,000 | |
Stockton Mortgage Corporation
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Conventional | 1 | 0.8% | 100% | $595,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 0.8% | 100% | $245,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.8% | 100% | $205,000 | View |
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A+5.0 ★Texas Ratio: 4.72% |
Conventional | 1 | 0.8% | 100% | $255,000 | View |
Alliant Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
loanDepot.com LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Boyne 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 Boyne City, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Boyne City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Boyne City in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Boyne City, MI
Use these to narrow the list above. Each category shows how many Boyne City, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Boyne City, MI
Independent mortgage companies closed 51.6 percent of home loans in Boyne City, Michigan in 2025, banks 29.5 percent and credit unions 18.9 percent. Member First Mortgage, LLC was the largest mortgage company, Huntington National Bank the largest bank and Lake Michigan Credit Union the largest credit union. Among lenders headquartered in Michigan, Lake Michigan Credit Union led with 8 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 Boyne City, MI
By home loans closed in 2025, Huntington National Bank was the largest mortgage lender in Boyne City, Michigan with 14 loans, about 11.5 percent of the market. The largest lender headquartered in Michigan was Lake Michigan Credit Union with 8 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
10 lenders closed FHA loans in Boyne City, Michigan in 2025, led by United Wholesale Mortgage with 3. 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. 15 banks and 10 credit unions closed home loans in Boyne City, Michigan in 2025, alongside 22 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 Boyne 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 Boyne 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 Boyne 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.
