Mortgage Lenders and Brokers in Clayton, 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
Clayton, Michigan mortgage lenders include Tlc Community Credit UnionTlc Community Credit Union3030 S Adrian Hwy, Adrian, MI 49221A+5.0 ★Texas Ratio: 0.45%, Huntington National BankHuntington National Bank202 W Maumee St, Adrian, MI 49221A+5.0 ★Texas Ratio: 3.66%, Old National BankOld National Bank1422 S Winter St, Adrian, MI 49221A+5.0 ★Texas Ratio: 4.98%, Fifth Third Bank, National AssociationFifth Third Bank, National Association475 Ada Drive, Ada Township, MI 49301A+5.0 ★Texas Ratio: 3.22%, Wesbanco Bank, Inc.Wesbanco Bank, Inc.300 N Main St, Adrian, MI 49221A+5.0 ★Texas Ratio: 3.87%, County National BankCounty National Bank1380 S Main St, Adrian, MI 49221B-4.3 ★Texas Ratio: 23.94%, Southern Michigan Bank & TrustSouthern Michigan Bank & Trust5350 Beckley Road B Drive North, Battle Creek, MI 49015A5.0 ★Texas Ratio: 8.82%, First National Bank of AmericaFirst National Bank of America241 E Saginaw St, East Lansing, MI 48823B-4.3 ★Texas Ratio: 23.12%, Comerica BankComerica Bank101 N Main St Ste 100, Ann Arbor, MI 48104A+5.0 ★Texas Ratio: 4.14%, and Flagstar Bank NAFlagstar Bank NA3233 Fairlane Dr, Allen Park, MI 48101D3.3 ★Texas Ratio: 35.11%. 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 Clayton, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Clayton 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 Clayton, Michigan
Market share is the lender's share of all home loans closed in Clayton, 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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3030 S Adrian Hwy, Adrian, MI 49221 A+5.0 ★Texas Ratio: 0.45% |
Conventional, HELOC | 19 +7 HELOCs |
29.7% | 80% | $113,421 | View |
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202 W Maumee St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 3.66% |
Conventional, HELOC | 2 +3 HELOCs |
3.1% | 100% | $355,000 | View |
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1422 S Winter St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 4.98% |
Conventional, HELOC | 1 +2 HELOCs |
1.6% | 100% | $135,000 | View |
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475 Ada Drive, Ada Township, MI 49301 A+5.0 ★Texas Ratio: 3.22% |
FHA, HELOC | 1 +2 HELOCs |
1.6% | 100% | $235,000 | View |
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300 N Main St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 3.87% |
Conventional, HELOC | 1 +1 HELOCs |
1.6% | 50% | $255,000 | View |
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1380 S Main St, Adrian, MI 49221 B-4.3 ★Texas Ratio: 23.94% |
Conventional | 1 | 1.6% | 100% | $335,000 | View |
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5350 Beckley Road B Drive North, Battle Creek, MI 49015 A5.0 ★Texas Ratio: 8.82% |
Conventional | 1 | 1.6% | 100% | $165,000 | View |
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241 E Saginaw St, East Lansing, MI 48823 B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 1.6% | 100% | $225,000 | View |
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101 N Main St Ste 100, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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3233 Fairlane Dr, Allen Park, MI 48101 D3.3 ★Texas Ratio: 35.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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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 | |
Rocket Mortgage
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Conventional, FHA, VA | 6 | 9.4% | 70% | $151,666 | |
United Wholesale Mortgage
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Conventional, FHA | 4 | 6.2% | 100% | $215,000 | |
Gold Star Mortgage Financial Group, Corporation
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Conventional | 1 | 1.6% | 100% | $395,000 | |
GreenStone Farm Credit Services
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Conventional | 1 | 1.6% | 100% | $255,000 | |
BLG Holdings, LLC
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FHA | 1 | 1.6% | 100% | $185,000 | |
Staunton Financial Inc
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FHA | 1 | 1.6% | 100% | $155,000 | |
Top Flite Financial, Inc.
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Conventional | 1 | 1.6% | 100% | $285,000 | |
Gvc Mortgage, Inc.
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Conventional, FHA, USDA | 5 | 7.8% | 83.3% | $223,000 | |
Freedom Mortgage Corporation
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VA | 2 | 3.1% | 75% | $215,000 | |
loanDepot.com LLC
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Conventional | 2 | 3.1% | 100% | $305,000 | |
Amerisave Mortgage Company
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Conventional | 2 | 3.1% | 100% | $40,000 | |
Newrez LLC
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Conventional | 1 | 1.6% | 100% | $405,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 1.6% | 100% | $55,000 | |
Howard Hanna Financial Services, Inc
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Conventional | 1 | 1.6% | 100% | $225,000 | |
PHH Mortgage Corporation
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FHA | 1 | 1.6% | 100% | $165,000 | |
American Financial Network, Inc.
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Conventional | 1 | 1.6% | 100% | $245,000 | |
Sun West Mortgage Company, Inc
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FHA | 1 | 1.6% | 100% | $215,000 | |
Mortgage300 Corporation
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FHA | 1 | 1.6% | 100% | $265,000 | |
The Loan Store, Inc
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FHA | 1 | 1.6% | 100% | $125,000 | |
Fairway Independent Mort Corp
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FHA | 1 | 1.6% | 100% | $195,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 1.6% | 100% | $275,000 | View |
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A+5.0 ★Texas Ratio: 4.72% |
Conventional | 1 | 1.6% | 100% | $385,000 | View |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Clayton 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 Clayton, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Clayton? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Clayton in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Clayton, MI
Use these to narrow the list above. Each category shows how many Clayton, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Clayton, MI
Independent mortgage companies closed 54.7 percent of home loans in Clayton, Michigan in 2025, banks 15.6 percent and credit unions 29.7 percent. Rocket Mortgage was the largest mortgage company, Huntington National Bank the largest bank and Tlc Community Credit Union the largest credit union. Among lenders headquartered in Michigan, Tlc Community Credit Union 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 Clayton, MI
By home loans closed in 2025, Tlc Community Credit Union was the largest mortgage lender in Clayton, Michigan with 19 loans, about 29.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
11 lenders closed FHA loans in Clayton, Michigan in 2025, led by Gvc Mortgage, Inc. with 2. 3 lenders closed VA loans, led by Freedom Mortgage Corporation, 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. 11 banks and 2 credit unions closed home loans in Clayton, Michigan in 2025, alongside 21 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 Clayton, 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 Clayton, 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 Clayton. 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.
