Mortgage Lenders and Brokers in Clare, 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
Clare, Michigan mortgage lenders include Isabella BankIsabella Bank532 N Mcewan St, Clare, MI 48617A+5.0 ★Texas Ratio: 4.10%, Mercantile BankMercantile Bank806 N Mcewan St, Clare, MI 48617A+5.0 ★Texas Ratio: 0.63%, Huntington National BankHuntington National Bank807 N Mcewan St, Clare, MI 48617A+5.0 ★Texas Ratio: 3.66%, Members First Credit UnionMembers First Credit Union650 W 5th St, Clare, MI 48617A+5.0 ★Texas Ratio: 4.54%, Dart BankDart Bank2469 Cedar Street, Delhi Township, MI 48842A-4.9 ★Texas Ratio: 16.59%, Dow Credit UnionDow Credit Union600 E Lyon Rd, Midland, MI 48640 5396, Thumb Bank & TrustThumb Bank & Trust2543 S Sherman Rd, Applegate, MI 48401A+5.0 ★Texas Ratio: 0.17%, First State BankFirst State Bank53950 Gratiot Ave, Chesterfield, MI 48051A5.0 ★Texas Ratio: 6.84%, DFCU FinancialDFCU Financial2910 Carpenter Rd, Ann Arbor, MI 48108A+5.0 ★Texas Ratio: 1.86%, and PNC Bank N.A.PNC Bank N.A.855 Marshall St, Allegan, MI 49010A+5.0 ★Texas Ratio: 4.24%. 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 Clare, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Clare 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 Clare, Michigan
Market share is the lender's share of all home loans closed in Clare, 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 Clare 532 N Mcewan St, Clare, MI 48617 A+5.0 ★Texas Ratio: 4.10% |
Conventional, HELOC | 20 +10 HELOCs |
12.6% | 65.6% | $190,000 | View |
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1 office in Clare 806 N Mcewan St, Clare, MI 48617 A+5.0 ★Texas Ratio: 0.63% |
Conventional, HELOC | 15 +2 HELOCs |
9.4% | 100% | $162,333 | View |
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1 office in Clare 807 N Mcewan St, Clare, MI 48617 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, HELOC | 7 +16 HELOCs |
4.4% | 87.5% | $180,714 | View |
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650 W 5th St, Clare, MI 48617 A+5.0 ★Texas Ratio: 4.54% |
Conventional | 11 | 6.9% | 73.3% | $145,909 | View |
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2469 Cedar Street, Delhi Township, MI 48842 A-4.9 ★Texas Ratio: 16.59% |
Conventional, FHA | 7 | 4.4% | 100% | $180,714 | View |
Dow Credit Union
600 E Lyon Rd, Midland, MI 48640 5396 |
Conventional | 5 | 3.1% | 100% | $97,000 | |
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2543 S Sherman Rd, Applegate, MI 48401 A+5.0 ★Texas Ratio: 0.17% |
Conventional | 3 | 1.9% | 75% | $155,000 | View |
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53950 Gratiot Ave, Chesterfield, MI 48051 A5.0 ★Texas Ratio: 6.84% |
Conventional | 2 | 1.3% | 100% | $105,000 | View |
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2910 Carpenter Rd, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 1.86% |
Conventional, HELOC | 1 +1 HELOCs |
0.6% | 100% | $265,000 | View |
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★ 1.7 stars, 3 reviews 855 Marshall St, Allegan, MI 49010 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +1 HELOCs |
0.6% | 50% | $135,000 | View |
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2151 W Stadium Blvd, Ann Arbor, MI 48103 4543 A+5.0 ★Texas Ratio: 3.99% |
Conventional | 1 | 0.6% | 100% | $15,000 | View |
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1025 E Grand River Ave, Brighton, MI 48116 1803 A+5.0 ★Texas Ratio: 1.78% |
Conventional | 1 | 0.6% | 100% | $35,000 | View |
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1004 W Midland Rd, Auburn, MI 48611 A5.0 ★Texas Ratio: 6.46% |
Conventional | 1 | 0.6% | 100% | $275,000 | View |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
Conventional | 1 | 0.6% | 100% | $295,000 | |
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2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54% |
Conventional | 1 | 0.6% | 100% | $325,000 | View |
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475 Ada Drive, Ada Township, MI 49301 A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 0.6% | 100% | $175,000 | View |
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1309 N Lincoln St, Bay City, MI 48708 6172 A5.0 ★Texas Ratio: 6.23% |
Conventional | 1 | 0.6% | 100% | $105,000 | View |
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144 W Huron Rd, Au Gres, MI 48703 A+5.0 ★Texas Ratio: 4.40% |
Conventional | 1 | 0.6% | 100% | $125,000 | View |
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2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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3082 Coolidge Hwy, Berkley, MI 48072 A+5.0 ★Texas Ratio: 5.97% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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468 N Ripley Blvd, Alpena, MI 49707 A+5.0 ★Texas Ratio: 2.28% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Rocket Mortgage
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Conventional, FHA, VA | 19 | 11.9% | 79.2% | $114,473 | |
GreenStone Farm Credit Services
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Conventional | 13 | 8.2% | 100% | $324,230 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 6 | 3.8% | 75% | $210,000 | |
Staunton Financial Inc
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Conventional, FHA | 5 | 3.1% | 100% | $187,000 | |
Success Mortgage Partners, Inc
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Conventional, FHA | 2 | 1.3% | 100% | $50,000 | |
Mortgage Center LC
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Conventional | 2 | 1.3% | 100% | $220,000 | |
Msu Federal Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.6% | 100% | $55,000 | |
Legacy Mortgage
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VA | 1 | 0.6% | 100% | $155,000 | |
Mortgage 1 Incorporated
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Conventional | 1 | 0.6% | 100% | $75,000 | |
BLG Holdings, LLC
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Conventional | 1 | 0.6% | 100% | $185,000 | |
Guild Mortgage Company
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Conventional, FHA, USDA | 6 | 3.8% | 100% | $95,000 | |
Union Home Mortgage Corp.
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FHA, VA, HELOC | 2 +1 HELOCs |
1.3% | 100% | $305,000 | |
Mortgage Research Center
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VA | 2 | 1.3% | 50% | $200,000 | |
Mutual of Omaha Mortgage
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FHA, VA | 2 | 1.3% | 100% | $325,000 | |
loanDepot.com LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.6% | 100% | $105,000 | |
Navy Federal Credit Union
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VA, HELOC | 1 +1 HELOCs |
0.6% | 100% | $255,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.6% | 100% | $135,000 | |
Guaranteed Rate, Inc.
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FHA | 1 | 0.6% | 50% | $115,000 | |
Freedom Mortgage Corporation
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VA | 1 | 0.6% | 100% | $155,000 | |
Gvc Mortgage, Inc.
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Conventional | 1 | 0.6% | 100% | $225,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.6% | 100% | $165,000 | |
Pennymac Loan Services LLC
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FHA | 1 | 0.6% | 100% | $125,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.6% | 25% | $35,000 | |
Das Acquisition Company, LLC
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FHA | 1 | 0.6% | 100% | $175,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 0.6% | 100% | $65,000 | View |
Churchill Mortgage Corporation
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Conventional | 1 | 0.6% | 100% | $75,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.6% | 100% | $385,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.6% | 100% | $275,000 | View |
New American Funding, LLC.
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FHA | 1 | 0.6% | 100% | $85,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.6% | 100% | $195,000 | View |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Clare 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 Clare, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Clare? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Clare in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Clare, MI
Use these to narrow the list above. Each category shows how many Clare, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Clare, MI
Independent mortgage companies closed 46.5 percent of home loans in Clare, Michigan in 2025, banks 37.7 percent and credit unions 15.7 percent. Towne Mortgage Company was the largest mortgage company, Isabella Bank the largest bank and Members First Credit Union the largest credit union. Among lenders headquartered in Michigan, Isabella Bank led with 20 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 Clare, MI
By home loans closed in 2025, Isabella Bank was the largest mortgage lender in Clare, Michigan with 20 loans, about 12.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
14 lenders closed FHA loans in Clare, Michigan in 2025, led by Rocket Mortgage with 7. 8 lenders closed VA loans, led by Rocket Mortgage, 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. 13 banks and 12 credit unions closed home loans in Clare, Michigan in 2025, alongside 27 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 Clare, 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 Clare, 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 Clare. 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.
