Mortgage Lenders and Brokers in Central Lake, 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
Central Lake, Michigan mortgage lenders include 4Front Credit Union4Front Credit Union515 E Cayuga St, Bellaire, MI 49615, 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%, Mercantile BankMercantile Bank230 Woodworth Ave, Alma, MI 48801A+5.0 ★Texas Ratio: 0.63%, First Financial BankFirst Financial Bank120 Ottawa Ave Nw, Grand Rapids, MI 49503A+5.0 ★Texas Ratio: 3.21%, West Shore BankWest Shore Bank501 Main St, Frankfort, MI 49635A5.0 ★Texas Ratio: 10.41%, Isabella BankIsabella Bank240 E Northern Ave, Barryton, MI 49305A+5.0 ★Texas Ratio: 4.10%, Comerica BankComerica Bank101 N Main St Ste 100, Ann Arbor, MI 48104A+5.0 ★Texas Ratio: 4.14%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA455 Ada Dr Se, Ada, MI 49301A+5.0 ★Texas Ratio: 3.68%, and Dow Credit UnionDow Credit Union600 E Lyon Rd, Midland, MI 48640 5396. 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 Central Lake, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Central Lake 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 Central Lake, Michigan
Market share is the lender's share of all home loans closed in Central Lake, 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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4Front Credit Union
515 E Cayuga St, Bellaire, MI 49615 |
Conventional, HELOC | 7 +4 HELOCs |
11.7% | 100% | $116,428 | |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
Conventional, FHA, Jumbo, HELOC | 4 +2 HELOCs |
6.7% | 100% | $755,000 | |
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202 W Maumee St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 3.66% |
Conventional, HELOC | 2 +4 HELOCs |
3.3% | 100% | $355,000 | View |
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230 Woodworth Ave, Alma, MI 48801 A+5.0 ★Texas Ratio: 0.63% |
Conventional | 2 | 3.3% | 100% | $255,000 | View |
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120 Ottawa Ave Nw, Grand Rapids, MI 49503 A+5.0 ★Texas Ratio: 3.21% |
Conventional | 2 | 3.3% | 100% | $455,000 | View |
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501 Main St, Frankfort, MI 49635 A5.0 ★Texas Ratio: 10.41% |
Conventional | 1 | 1.7% | 100% | $215,000 | View |
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240 E Northern Ave, Barryton, MI 49305 A+5.0 ★Texas Ratio: 4.10% |
Conventional | 1 | 1.7% | 100% | $465,000 | View |
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101 N Main St Ste 100, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo | 1 | 1.7% | 100% | $2,005,000 | View |
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455 Ada Dr Se, Ada, MI 49301 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 1.7% | 100% | $505,000 | View |
Dow Credit Union
600 E Lyon Rd, Midland, MI 48640 5396 |
Conventional | 1 | 1.7% | 100% | $805,000 | |
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1004 W Midland Rd, Auburn, MI 48611 A5.0 ★Texas Ratio: 6.46% |
VA | 1 | 1.7% | 100% | $425,000 | View |
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34100 Woodward Ave, Birmingham, MI 48009 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 1.7% | 100% | $315,000 | View |
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131 S Main St, Brooklyn, MI 49230 A5.0 ★Texas Ratio: 9.21% |
Conventional | 1 | 1.7% | 100% | $405,000 | View |
Financial Plus Credit Union
4129 N Euclid Ave, Bay City, MI 48706 |
Conventional | 1 | 1.7% | 100% | $225,000 | |
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475 Ada Drive, Ada Township, MI 49301 A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +4 HELOCs |
0% | 0% | View | |
Community Financial
12483 State St, Atlanta, MI 49709 |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
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2550 Capital Ave SW, Battle Creek, MI 49015 A+5.0 ★Texas Ratio: 5.38% |
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 | |
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3030 S Adrian Hwy, Adrian, MI 49221 A+5.0 ★Texas Ratio: 0.45% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Rocket Mortgage
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Conventional, FHA | 7 | 11.7% | 87.5% | $140,714 | |
United Wholesale Mortgage
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Conventional | 3 | 5% | 100% | $398,333 | |
Legacy Mortgage
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Conventional | 1 | 1.7% | 100% | $165,000 | |
Mortgage 1 Incorporated
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Conventional | 1 | 1.7% | 100% | $305,000 | |
Msu Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 3 | 5% | 100% | $691,666 | View |
Union Home Mortgage Corp.
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VA, USDA | 3 | 5% | 100% | $211,666 | |
Primelending
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Conventional | 1 | 1.7% | 100% | $205,000 | |
Freedom Mortgage Corporation
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VA | 1 | 1.7% | 100% | $225,000 | |
Canopy Mortgage, LLC
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Conventional | 1 | 1.7% | 100% | $375,000 | |
Newrez LLC
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VA | 1 | 1.7% | 100% | $515,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 1.7% | 100% | $145,000 | |
Amerisave Mortgage Company
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FHA | 1 | 1.7% | 50% | $85,000 | |
Synergy One Lending, Inc.
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Conventional | 1 | 1.7% | 100% | $465,000 | |
Calcon Mutual Mortgage LLC
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FHA | 1 | 1.7% | 100% | $155,000 | |
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A+5.0 ★Texas Ratio: 5.37% |
Conventional, Jumbo | 1 | 1.7% | 100% | $1,165,000 | View |
American Internet Mortgage, Inc.
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Conventional | 1 | 1.7% | 100% | $425,000 | |
Lendsure Mortgage Corp.
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Conventional | 1 | 1.7% | 100% | $125,000 | |
Nationstar Mortgage
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Conventional | 1 | 1.7% | 100% | $805,000 | |
New American Funding, LLC.
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Conventional | 1 | 1.7% | 50% | $235,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 1.7% | 100% | $585,000 | View |
Navy Federal Credit Union
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Conventional | 1 | 1.7% | 50% | $255,000 | |
Spring Eq, LLC
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Conventional | 1 | 1.7% | 100% | $35,000 | |
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a |
Central Lake 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 Central Lake, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Central Lake? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Central Lake in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Central Lake, MI
Use these to narrow the list above. Each category shows how many Central Lake, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Central Lake, MI
Independent mortgage companies closed 45 percent of home loans in Central Lake, Michigan in 2025, banks 30 percent and credit unions 25 percent. Rocket Mortgage was the largest mortgage company, Huntington National Bank the largest bank and 4Front Credit Union the largest credit union. Among lenders headquartered in Michigan, 4Front Credit Union led with 7 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 Central Lake, MI
By home loans closed in 2025, 4Front Credit Union was the largest mortgage lender in Central Lake, Michigan with 7 loans, about 11.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
4 lenders closed FHA loans in Central Lake, Michigan in 2025, led by Lake Michigan Credit Union with 1. 4 lenders closed VA loans, led by Independent Bank, and 1 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. 14 banks and 11 credit unions closed home loans in Central Lake, Michigan in 2025, alongside 18 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 Central Lake, 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 Central Lake, 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 Central Lake. 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.
