Mortgage Lenders and Brokers in Cadillac, 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
Cadillac, Michigan mortgage lenders include Horizon BankHorizon Bank302 S Mitchell St, Cadillac, MI 49601A+5.0 ★Texas Ratio: 4.40%, Mercantile BankMercantile Bank114 W Pine St, Cadillac, MI 49601A+5.0 ★Texas Ratio: 0.63%, Huntington National BankHuntington National Bank103 N Mitchell St, Cadillac, MI 49601A+5.0 ★Texas Ratio: 3.66%, Fifth Third Bank, National AssociationFifth Third Bank, National Association123 S Mitchell St, Cadillac, MI 49601A+5.0 ★Texas Ratio: 3.22%, Lake Michigan Credit UnionLake Michigan Credit Union496 Ada Dr SE STE 103, Ada, MI 49301, Northpointe BankNorthpointe Bank3333 Deposit Dr Ne, Grand Rapids, MI 49546A5.0 ★Texas Ratio: 8.47%, 4Front Credit Union4Front Credit Union8807 E 34 Rd, Cadillac, MI 49601 9580, Flagstar Bank NAFlagstar Bank NA3233 Fairlane Dr, Allen Park, MI 48101D3.3 ★Texas Ratio: 35.11%, Credit Union OneCredit Union One2400 Green Rd, Ann Arbor, MI 48105 1550A+5.0 ★Texas Ratio: 2.54%, and Independent BankIndependent Bank1004 W Midland Rd, Auburn, MI 48611A5.0 ★Texas Ratio: 6.46%. 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 Cadillac, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Cadillac 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 Cadillac, Michigan
Market share is the lender's share of all home loans closed in Cadillac, 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 Cadillac 302 S Mitchell St, Cadillac, MI 49601 A+5.0 ★Texas Ratio: 4.40% |
Conventional, FHA, Jumbo, HELOC | 34 +34 HELOCs |
8.8% | 87.5% | $230,000 | View |
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2 offices in Cadillac 114 W Pine St, Cadillac, MI 49601 A+5.0 ★Texas Ratio: 0.63% |
Conventional, HELOC | 19 +3 HELOCs |
4.9% | 76.9% | $151,315 | View |
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2 offices in Cadillac 103 N Mitchell St, Cadillac, MI 49601 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, VA, HELOC | 17 +28 HELOCs |
4.4% | 70.4% | $193,823 | View |
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2 offices in Cadillac 123 S Mitchell St, Cadillac, MI 49601 A+5.0 ★Texas Ratio: 3.22% |
Conventional, FHA, VA, HELOC | 9 +8 HELOCs |
2.3% | 75% | $205,000 | View |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
Conventional, HELOC | 8 +4 HELOCs |
2.1% | 100% | $261,250 | |
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3333 Deposit Dr Ne, Grand Rapids, MI 49546 A5.0 ★Texas Ratio: 8.47% |
Conventional, FHA, VA | 8 | 2.1% | 100% | $176,250 | View |
4Front Credit Union
8807 E 34 Rd, Cadillac, MI 49601 9580 |
Conventional, HELOC | 6 +6 HELOCs |
1.6% | 60% | $206,666 | |
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3233 Fairlane Dr, Allen Park, MI 48101 D3.3 ★Texas Ratio: 35.11% |
Conventional, FHA, HELOC | 5 +1 HELOCs |
1.3% | 100% | $249,000 | View |
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2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54% |
Conventional | 3 | 0.8% | 100% | $275,000 | View |
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1004 W Midland Rd, Auburn, MI 48611 A5.0 ★Texas Ratio: 6.46% |
Conventional, HELOC | 2 +5 HELOCs |
0.5% | 100% | $205,000 | View |
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6081 B Dr N, Battle Creek, MI 49014 8367 A+5.0 ★Texas Ratio: 3.56% |
Conventional, HELOC | 2 +3 HELOCs |
0.5% | 100% | $175,000 | View |
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455 Ada Dr Se, Ada, MI 49301 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.5% | 100% | $485,000 | View |
Wmcu
215 Bell Ave, Cadillac, MI 49601 1103 |
Conventional | 2 | 0.5% | 50% | $35,000 | |
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5515 Van Dyke Rd, Almont, MI 48003 A+5.0 ★Texas Ratio: 5.45% |
Conventional | 2 | 0.5% | 100% | $90,000 | View |
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240 E Northern Ave, Barryton, MI 49305 A+5.0 ★Texas Ratio: 4.10% |
Conventional | 1 | 0.3% | 100% | $745,000 | View |
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53950 Gratiot Ave, Chesterfield, MI 48051 A5.0 ★Texas Ratio: 6.84% |
Conventional | 1 | 0.3% | 100% | $155,000 | View |
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379 S Old Woodward Ave, Birmingham, MI 48009 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.3% | 100% | $185,000 | View |
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2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54% |
Conventional | 1 | 0.3% | 100% | $235,000 | View |
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2936 Wilder Rd, Bay City, MI 48706 A+5.0 ★Texas Ratio: 3.16% |
Conventional | 1 | 0.3% | 100% | $125,000 | View |
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241 E Saginaw St, East Lansing, MI 48823 B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.3% | 50% | $105,000 | View |
Community Financial
12483 State St, Atlanta, MI 49709 |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
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455 E Eisenhower Pkwy, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Rocket Mortgage
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Conventional, FHA, VA | 49 | 12.7% | 80.6% | $162,142 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 40 | 10.4% | 97.6% | $213,000 | |
Mortgage 1 Incorporated
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Conventional, FHA, VA | 19 | 4.9% | 95.7% | $183,421 | |
GreenStone Farm Credit Services
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Conventional | 5 | 1.3% | 100% | $311,000 | |
Msu Federal Credit Union
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Conventional, HELOC | 3 +3 HELOCs |
0.8% | 100% | $325,000 | |
Success Mortgage Partners, Inc
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Conventional, FHA | 3 | 0.8% | 100% | $111,666 | |
VanDyk Mortgage Corporation
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Conventional, FHA | 3 | 0.8% | 100% | $218,333 | |
Top Flite Financial, Inc.
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FHA | 3 | 0.8% | 100% | $148,333 | |
Northern Mortgage Services, LLC
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Conventional | 2 | 0.5% | 100% | $275,000 | |
Legacy Mortgage
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FHA | 2 | 0.5% | 100% | $260,000 | |
Michigan Mutual, Inc
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FHA | 1 | 0.3% | 100% | $195,000 | |
Mortgage Center LC
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Conventional | 1 | 0.3% | 100% | $55,000 | |
Staunton Financial Inc
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Conventional | 1 | 0.3% | 100% | $425,000 | |
Guild Mortgage Company
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Conventional, FHA, VA | 21 | 5.4% | 95.7% | $134,523 | |
Mortgage Research Center
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VA | 12 | 3.1% | 70.6% | $260,000 | |
Mortgage300 Corporation
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Conventional, FHA, USDA | 9 | 2.3% | 75% | $151,666 | |
Navy Federal Credit Union
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Conventional, VA, HELOC | 6 +1 HELOCs |
1.6% | 85.7% | $245,000 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 5 | 1.3% | 55.6% | $233,000 | |
Union Home Mortgage Corp.
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Conventional, FHA | 5 | 1.3% | 100% | $167,000 | |
Carrington Mortgage Services LLC
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Conventional, FHA | 5 | 1.3% | 66.7% | $101,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 4 | 1% | 80% | $160,000 | |
Newrez LLC
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Conventional, FHA | 4 | 1% | 50% | $175,000 | |
New Day Financial, LLC.
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VA | 4 | 1% | 57.1% | $220,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional, FHA | 3 | 0.8% | 75% | $251,666 | View |
CrossCountry Mortgage, LLC
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Conventional, FHA | 3 | 0.8% | 100% | $181,666 | |
Pennymac Loan Services LLC
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Conventional, VA | 3 | 0.8% | 60% | $171,666 | |
Planet Home Lending, LLC
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FHA, VA | 3 | 0.8% | 100% | $221,666 | |
loanDepot.com LLC
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Conventional, FHA, HELOC | 2 +1 HELOCs |
0.5% | 40% | $125,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
VA | 2 | 0.5% | 100% | $465,000 | View |
Everett Financial, Inc.
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Conventional, FHA | 2 | 0.5% | 100% | $70,000 | |
Lakeview Loan Servicing, LLC
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FHA | 2 | 0.5% | 60% | $180,000 | |
Kind Lending, LLC
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FHA, USDA | 2 | 0.5% | 100% | $155,000 | |
Das Acquisition Company, LLC
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Conventional | 2 | 0.5% | 100% | $250,000 | |
Calcon Mutual Mortgage LLC
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Conventional, FHA | 2 | 0.5% | 100% | $195,000 | |
American Pacific Mortgage Corporation
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FHA | 2 | 0.5% | 100% | $160,000 | |
Nationstar Mortgage
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Conventional, FHA | 2 | 0.5% | 100% | $245,000 | |
Zillow Home Loans, LLC
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Conventional | 2 | 0.5% | 100% | $85,000 | |
New American Funding, LLC.
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Conventional, FHA | 2 | 0.5% | 50% | $135,000 | |
Fairway Independent Mort Corp
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Conventional, VA | 2 | 0.5% | 100% | $295,000 | |
Nbkc Bank
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Conventional | 1 | 0.3% | 100% | $325,000 | |
Triad Financial Services, Inc.
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Conventional | 1 | 0.3% | 45.5% | $85,000 | |
Movement Mortgage, LLC
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VA | 1 | 0.3% | 100% | $295,000 | |
Interra Credit Union
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Conventional | 1 | 0.3% | 100% | $105,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.3% | 33.3% | $55,000 | |
Coast One Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $125,000 | |
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A5.0 ★Texas Ratio: 8.00% |
Conventional | 1 | 0.3% | 100% | $195,000 | View |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.3% | 50% | $185,000 | View |
Churchill Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $125,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 1 | 0.3% | 100% | $135,000 | View |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.3% | 100% | $225,000 | View |
Milend, Inc
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FHA | 1 | 0.3% | 100% | $215,000 | |
Stockton Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $205,000 | |
Pentagon Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $225,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $305,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.3% | 50% | $215,000 | |
21St Mortgage
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Conventional | 1 | 0.3% | 16.7% | $85,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.3% | 100% | $105,000 | View |
Figure Lending LLC
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Alliant Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Cadillac 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 Cadillac, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Cadillac? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Cadillac in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Cadillac, MI
Use these to narrow the list above. Each category shows how many Cadillac, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Cadillac, MI
Independent mortgage companies closed 62.2 percent of home loans in Cadillac, Michigan in 2025, banks 29 percent and credit unions 8.8 percent. Towne Mortgage Company was the largest mortgage company, Horizon Bank the largest bank and Lake Michigan Credit Union the largest credit union. Among lenders headquartered in Michigan, Mercantile Bank led with 19 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 Cadillac, MI
By home loans closed in 2025, Horizon Bank was the largest mortgage lender in Cadillac, Michigan with 34 loans, about 8.8 percent of the market. The largest lender headquartered in Michigan was Mercantile Bank with 19 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
32 lenders closed FHA loans in Cadillac, Michigan in 2025, led by United Wholesale Mortgage with 14. 18 lenders closed VA loans, led by Mortgage Research Center, and 2 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. 22 banks and 13 credit unions closed home loans in Cadillac, Michigan in 2025, alongside 48 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 Cadillac, 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 Cadillac, 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 Cadillac. 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.
