Mortgage Lenders and Brokers in Climax, 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
Climax, Michigan mortgage lenders include Sturgis Bank & TrustSturgis Bank & Trust125 N Main St, Climax, MI 49034A5.0 ★Texas Ratio: 9.46%, Kellogg Community Credit UnionKellogg Community Credit Union41 2nd St, Battle Creek, MI 49014 6286A+5.0 ★Texas Ratio: 1.68%, Lake Michigan Credit UnionLake Michigan Credit Union496 Ada Dr SE STE 103, Ada, MI 49301, Consumers Credit UnionConsumers Credit Union6081 B Dr N, Battle Creek, MI 49014 8367A+5.0 ★Texas Ratio: 3.56%, Arbor Financial Credit UnionArbor Financial Credit Union7200 KALAMAZOO AVE SE, CALEDONIA, MI 49316A5.0 ★Texas Ratio: 12.10%, KALSEE Credit UnionKALSEE Credit Union2121 S Drake Rd, Kalamazoo, MI 49006 5776A+5.0 ★Texas Ratio: 2.20%, Fifth Third Bank, National AssociationFifth Third Bank, National Association475 Ada Drive, Ada Township, MI 49301A+5.0 ★Texas Ratio: 3.22%, United Federal Credit UnionUnited Federal Credit Union1026 W Midland Rd, AUBURN, MI 48611A+5.0 ★Texas Ratio: 4.11%, Michigan First Credit UnionMichigan First Credit Union20645 Gibraltar Rd, Brownstown Twp, MI 48183A+5.0 ★Texas Ratio: 4.92%, and Mercantile BankMercantile Bank230 Woodworth Ave, Alma, MI 48801A+5.0 ★Texas Ratio: 0.63%. 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 Climax, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Climax 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 Climax, Michigan
Market share is the lender's share of all home loans closed in Climax, 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 Climax 125 N Main St, Climax, MI 49034 A5.0 ★Texas Ratio: 9.46% |
Conventional | 1 | 1.7% | 100% | $175,000 | View |
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41 2nd St, Battle Creek, MI 49014 6286 A+5.0 ★Texas Ratio: 1.68% |
Conventional | 11 | 19% | 100% | $148,636 | View |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
Conventional, VA, HELOC | 4 +2 HELOCs |
6.9% | 100% | $287,500 | |
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6081 B Dr N, Battle Creek, MI 49014 8367 A+5.0 ★Texas Ratio: 3.56% |
Conventional, HELOC | 3 +4 HELOCs |
5.2% | 100% | $368,333 | View |
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7200 KALAMAZOO AVE SE, CALEDONIA, MI 49316 A5.0 ★Texas Ratio: 12.10% |
Conventional, HELOC | 3 +1 HELOCs |
5.2% | 100% | $201,666 | View |
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2121 S Drake Rd, Kalamazoo, MI 49006 5776 A+5.0 ★Texas Ratio: 2.20% |
Conventional, HELOC | 2 +3 HELOCs |
3.4% | 100% | $110,000 | View |
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475 Ada Drive, Ada Township, MI 49301 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 2 +1 HELOCs |
3.4% | 50% | $35,000 | View |
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1026 W Midland Rd, AUBURN, MI 48611 A+5.0 ★Texas Ratio: 4.11% |
FHA | 1 | 1.7% | 50% | $185,000 | View |
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20645 Gibraltar Rd, Brownstown Twp, MI 48183 A+5.0 ★Texas Ratio: 4.92% |
Conventional | 1 | 1.7% | 100% | $65,000 | View |
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230 Woodworth Ave, Alma, MI 48801 A+5.0 ★Texas Ratio: 0.63% |
Conventional | 1 | 1.7% | 100% | $165,000 | View |
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1157 Michigan Ave E, Battle Creek, MI 49014 6802 A5.0 ★Texas Ratio: 7.49% |
Conventional | 1 | 1.7% | 100% | $95,000 | View |
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2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54% |
FHA | 1 | 1.7% | 100% | $125,000 | View |
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5350 Beckley Road B Drive North, Battle Creek, MI 49015 A5.0 ★Texas Ratio: 8.82% |
Conventional | 1 | 1.7% | 100% | $115,000 | View |
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2550 Capital Ave SW, Battle Creek, MI 49015 A+5.0 ★Texas Ratio: 5.38% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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101 N Main St Ste 100, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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101 W Monroe St, Bangor, MI 49013 A+5.0 ★Texas Ratio: 2.36% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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★ 1.7 stars, 3 reviews 855 Marshall St, Allegan, MI 49010 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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202 W Maumee St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 3.66% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1253 Lincoln Rd, Allegan, MI 49010 A+5.0 ★Texas Ratio: 5.27% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
United Wholesale Mortgage
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Conventional, FHA | 8 | 13.8% | 80% | $207,500 | |
Rocket Mortgage
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Conventional, FHA | 5 | 8.6% | 71.4% | $143,000 | |
GreenStone Farm Credit Services
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Conventional, Jumbo | 3 | 5.2% | 100% | $518,333 | |
Newrez LLC
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FHA | 1 | 1.7% | 100% | $155,000 | |
Gvc Mortgage, Inc.
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FHA | 1 | 1.7% | 100% | $245,000 | |
loanDepot.com LLC
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FHA | 1 | 1.7% | 50% | $105,000 | |
Guild Mortgage Company
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Conventional | 1 | 1.7% | 100% | $265,000 | |
Summit Home Mortgage, LLC
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Conventional | 1 | 1.7% | 100% | $285,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 1.7% | 100% | $225,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 1.7% | 100% | $245,000 | View |
Churchill Mortgage Corporation
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Conventional | 1 | 1.7% | 100% | $165,000 | |
Mortgage Research Center
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VA | 1 | 1.7% | 100% | $325,000 | |
Navy Federal Credit Union
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Conventional | 1 | 1.7% | 100% | $245,000 |
Climax 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 Climax, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Climax? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Climax in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Climax, MI
Use these to narrow the list above. Each category shows how many Climax, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Climax, MI
Independent mortgage companies closed 43.1 percent of home loans in Climax, Michigan in 2025, banks 10.3 percent and credit unions 46.6 percent. Towne Mortgage Company was the largest mortgage company, Sturgis Bank & Trust the largest bank and Kellogg Community Credit Union the largest credit union. Among lenders headquartered in Michigan, Sturgis Bank & Trust led with 1 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 Climax, MI
By home loans closed in 2025, Sturgis Bank & Trust was the largest mortgage lender in Climax, Michigan with 1 loans, about 1.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
7 lenders closed FHA loans in Climax, Michigan in 2025, led by United Wholesale Mortgage with 2. 3 lenders closed VA loans, led by Lake Michigan Credit Union. 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. 8 banks and 12 credit unions closed home loans in Climax, Michigan in 2025, alongside 12 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 Climax, 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 Climax, 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 Climax. 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.
