Mortgage Lenders and Brokers in Capac, 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
Capac, Michigan mortgage lenders include ChoiceOne BankChoiceOne Bank206 N Main St, Capac, MI 48014A+5.0 ★Texas Ratio: 5.45%, Security Credit UnionSecurity Credit Union2230 S Center Rd, Burton, MI 48519A+5.0 ★Texas Ratio: 5.96%, Michigan Schools and GovernmenMichigan Schools and Governmen2151 W Stadium Blvd, Ann Arbor, MI 48103 4543A+5.0 ★Texas Ratio: 3.99%, First State BankFirst State Bank53950 Gratiot Ave, Chesterfield, MI 48051A5.0 ★Texas Ratio: 6.84%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA455 Ada Dr Se, Ada, MI 49301A+5.0 ★Texas Ratio: 3.68%, Dort Financial Credit UnionDort Financial Credit Union5750 Baypointe Blvd, Clarkston, MI 48346 3192A+5.0 ★Texas Ratio: 4.06%, Lake Michigan Credit UnionLake Michigan Credit Union496 Ada Dr SE STE 103, Ada, MI 49301, Superior National BankSuperior National Bank201 S Superior Ave, Baraga, MI 49908A+5.0 ★Texas Ratio: 4.32%, Genisys Credit UnionGenisys Credit Union2100 Executive Hills Dr, Auburn Hills, MI 48326 2947A+5.0 ★Texas Ratio: 5.37%, 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 Capac, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Capac 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 Capac, Michigan
Market share is the lender's share of all home loans closed in Capac, 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 Capac 206 N Main St, Capac, MI 48014 A+5.0 ★Texas Ratio: 5.45% |
Conventional | 3 | 7.5% | 42.9% | $75,000 | View |
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2230 S Center Rd, Burton, MI 48519 A+5.0 ★Texas Ratio: 5.96% |
Conventional | 2 | 5% | 100% | $55,000 | View |
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2151 W Stadium Blvd, Ann Arbor, MI 48103 4543 A+5.0 ★Texas Ratio: 3.99% |
Conventional, HELOC | 1 +1 HELOCs |
2.5% | 100% | $215,000 | View |
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53950 Gratiot Ave, Chesterfield, MI 48051 A5.0 ★Texas Ratio: 6.84% |
Conventional | 1 | 2.5% | 100% | $165,000 | View |
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455 Ada Dr Se, Ada, MI 49301 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 2.5% | 100% | $145,000 | View |
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5750 Baypointe Blvd, Clarkston, MI 48346 3192 A+5.0 ★Texas Ratio: 4.06% |
Conventional | 1 | 2.5% | 100% | $55,000 | View |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
Conventional | 1 | 2.5% | 100% | $315,000 | |
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201 S Superior Ave, Baraga, MI 49908 A+5.0 ★Texas Ratio: 4.32% |
FHA | 1 | 2.5% | 100% | $195,000 | View |
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2100 Executive Hills Dr, Auburn Hills, MI 48326 2947 A+5.0 ★Texas Ratio: 5.37% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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475 Ada Drive, Ada Township, MI 49301 A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Rocket Mortgage
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Conventional, FHA | 10 | 25% | 90.9% | $167,000 | |
United Wholesale Mortgage
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Conventional, FHA | 2 | 5% | 100% | $190,000 | |
Gold Star Mortgage Financial Group, Corporation
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USDA | 1 | 2.5% | 100% | $175,000 | |
Michigan Mutual, Inc
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USDA | 1 | 2.5% | 100% | $195,000 | |
Mortgage Center LC
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FHA | 1 | 2.5% | 100% | $245,000 | |
Guaranteed Rate, Inc.
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Conventional | 2 | 5% | 100% | $145,000 | |
The Loan Store, Inc
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Conventional, USDA | 2 | 5% | 100% | $170,000 | |
Newrez LLC
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Conventional | 1 | 2.5% | 100% | $225,000 | |
Triad Financial Services, Inc.
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Conventional | 1 | 2.5% | 44.4% | $65,000 | |
Guild Mortgage Company
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Conventional | 1 | 2.5% | 100% | $95,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 2.5% | 100% | $215,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 2.5% | 100% | $245,000 | |
Paramount Residential Mortgage
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USDA | 1 | 2.5% | 100% | $225,000 | |
Carrington Mortgage Services LLC
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FHA | 1 | 2.5% | 100% | $105,000 | |
Plaza Home Mortgage, Inc
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USDA | 1 | 2.5% | 100% | $175,000 | |
The Mortgage Link, Inc.
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USDA | 1 | 2.5% | 100% | $185,000 | |
Champions Funding, LLC
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Conventional | 1 | 2.5% | 100% | $135,000 | |
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Capac 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 Capac, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Capac? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Capac in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Capac, MI
Use these to narrow the list above. Each category shows how many Capac, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Capac, MI
Independent mortgage companies closed 70 percent of home loans in Capac, Michigan in 2025, banks 15 percent and credit unions 15 percent. Rocket Mortgage was the largest mortgage company, ChoiceOne Bank the largest bank and Security Credit Union the largest credit union. Among lenders headquartered in Michigan, ChoiceOne Bank led with 3 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 Capac, MI
By home loans closed in 2025, ChoiceOne Bank was the largest mortgage lender in Capac, Michigan with 3 loans, about 7.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
5 lenders closed FHA loans in Capac, Michigan in 2025, led by Rocket Mortgage with 3. 0 lenders closed VA loans, and 6 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. 5 banks and 6 credit unions closed home loans in Capac, Michigan in 2025, alongside 17 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 Capac, 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 Capac, 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 Capac. 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.
