Mortgage Lenders and Brokers in Coldwater, 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
Coldwater, Michigan mortgage lenders include Southern Michigan Bank & TrustSouthern Michigan Bank & Trust45 W Pearl St, Coldwater, MI 49036A5.0 ★Texas Ratio: 8.82%, Flagstar Bank NAFlagstar Bank NA354 E Chicago St, Coldwater, MI 49036D3.3 ★Texas Ratio: 35.11%, Huntington National BankHuntington National Bank24 Grand St, Coldwater, MI 49036A+5.0 ★Texas Ratio: 3.66%, PNC Bank N.A.PNC Bank N.A.505 E Chicago St, Coldwater, MI 49036A+5.0 ★Texas Ratio: 4.24%, Honor Credit UnionHonor Credit Union621 E Chicago Rd, Coldwater, MI 49036A+5.0 ★Texas Ratio: 5.27%, Consumers Credit UnionConsumers Credit Union829 E Chicago St, Coldwater, MI 49036A+5.0 ★Texas Ratio: 3.56%, Marshall Community Credit UnionMarshall Community Credit Union688 E Chicago Rd, Coldwater, MI 49036 9497A5.0 ★Texas Ratio: 7.49%, Sturgis Bank & TrustSturgis Bank & Trust232 W Monroe St, Bangor, MI 49013A5.0 ★Texas Ratio: 9.46%, Kellogg Community Credit UnionKellogg Community Credit Union41 2nd St, Battle Creek, MI 49014 6286A+5.0 ★Texas Ratio: 1.68%, and Ignite Credit UnionIgnite Credit Union415 N Willowbrook Rd, Coldwater, MI 49036A5.0 ★Texas Ratio: 7.48%. 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 Coldwater, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Coldwater 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 Coldwater, Michigan
Market share is the lender's share of all home loans closed in Coldwater, 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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4 offices in Coldwater 45 W Pearl St, Coldwater, MI 49036 A5.0 ★Texas Ratio: 8.82% |
Conventional, Jumbo | 34 | 11.4% | 72.7% | $203,235 | View |
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1 office in Coldwater 354 E Chicago St, Coldwater, MI 49036 D3.3 ★Texas Ratio: 35.11% |
Conventional, FHA, HELOC | 8 +1 HELOCs |
2.7% | 66.7% | $165,000 | View |
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2 offices in Coldwater 24 Grand St, Coldwater, MI 49036 A+5.0 ★Texas Ratio: 3.66% |
Conventional, HELOC | 5 +8 HELOCs |
1.7% | 100% | $177,000 | View |
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★ 1.7 stars, 3 reviews 1 office in Coldwater 505 E Chicago St, Coldwater, MI 49036 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +6 HELOCs |
0.3% | 100% | $215,000 | View |
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621 E Chicago Rd, Coldwater, MI 49036 A+5.0 ★Texas Ratio: 5.27% |
Conventional, HELOC | 21 +11 HELOCs |
7% | 70% | $124,047 | View |
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829 E Chicago St, Coldwater, MI 49036 A+5.0 ★Texas Ratio: 3.56% |
Conventional, HELOC | 18 +14 HELOCs |
6% | 75% | $141,111 | View |
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688 E Chicago Rd, Coldwater, MI 49036 9497 A5.0 ★Texas Ratio: 7.49% |
Conventional | 12 | 4% | 100% | $177,500 | View |
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232 W Monroe St, Bangor, MI 49013 A5.0 ★Texas Ratio: 9.46% |
Conventional | 8 | 2.7% | 100% | $298,750 | View |
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41 2nd St, Battle Creek, MI 49014 6286 A+5.0 ★Texas Ratio: 1.68% |
Conventional | 3 | 1% | 100% | $175,000 | View |
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415 N Willowbrook Rd, Coldwater, MI 49036 A5.0 ★Texas Ratio: 7.48% |
Conventional | 2 | 0.7% | 100% | $35,000 | View |
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1380 S Main St, Adrian, MI 49221 B-4.3 ★Texas Ratio: 23.94% |
Conventional | 2 | 0.7% | 100% | $130,000 | View |
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475 Ada Drive, Ada Township, MI 49301 A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 0.3% | 100% | $35,000 | View |
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1553 Lansing Rd, Charlotte, MI 48813 A+5.0 ★Texas Ratio: 1.86% |
Conventional | 1 | 0.3% | 100% | $75,000 | View |
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455 Ada Dr Se, Ada, MI 49301 A+5.0 ★Texas Ratio: 3.68% |
HELOC | 0 +1 HELOCs |
0% | 100% | View | |
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1422 S Winter St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 4.98% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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2469 Cedar Street, Delhi Township, MI 48842 A-4.9 ★Texas Ratio: 16.59% |
HELOC | 0 +1 HELOCs |
0% | 0% | 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 | |
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2121 S Drake Rd, Kalamazoo, MI 49006 5776 A+5.0 ★Texas Ratio: 2.20% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, FHA, VA | 19 | 6.4% | 73.1% | $169,210 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 15 | 5% | 100% | $212,333 | |
Uif Corporation
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Conventional | 4 | 1.3% | 100% | $132,500 | |
GreenStone Farm Credit Services
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Conventional | 1 | 0.3% | 100% | $735,000 | |
Union Home Mortgage Corp.
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Conventional, FHA, VA, USDA, HELOC | 36 +1 HELOCs |
12.1% | 87.8% | $201,944 | |
21St Mortgage
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Conventional | 20 | 6.7% | 28.6% | $108,000 | |
Gvc Mortgage, Inc.
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Conventional, FHA, VA, USDA | 15 | 5% | 88.2% | $233,666 | |
Ruoff Mortgage Company
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Conventional, FHA | 9 | 3% | 90.9% | $223,888 | |
Mortgage Research Center
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VA | 7 | 2.3% | 70% | $242,142 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 5 | 1.7% | 83.3% | $129,000 | |
loanDepot.com LLC
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Conventional, FHA | 5 | 1.7% | 100% | $103,000 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA | 5 | 1.7% | 100% | $181,000 | |
Carrington Mortgage Services LLC
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Conventional, FHA | 4 | 1.3% | 62.5% | $80,000 | |
Newrez LLC
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Conventional, VA | 3 | 1% | 60% | $228,333 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 3 | 1% | 100% | $215,000 | |
Guidance Residential, LLC
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Conventional | 2 | 0.7% | 100% | $150,000 | |
Movement Mortgage, LLC
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Conventional, FHA | 2 | 0.7% | 100% | $130,000 | |
Nationstar Mortgage
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Conventional | 2 | 0.7% | 66.7% | $95,000 | |
Zillow Home Loans, LLC
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Conventional, FHA | 2 | 0.7% | 100% | $140,000 | |
New American Funding, LLC.
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Conventional, FHA | 2 | 0.7% | 50% | $275,000 | |
Tammac Holdings Corporation
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Conventional | 2 | 0.7% | 24.4% | $90,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.3% | 100% | $65,000 | |
Greenstate Credit Union
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Conventional | 1 | 0.3% | 25% | $95,000 | |
Everett Financial, Inc.
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Conventional | 1 | 0.3% | 100% | $145,000 | |
Lakeview Loan Servicing, LLC
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FHA | 1 | 0.3% | 100% | $155,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.3% | 100% | $245,000 | |
Triad Financial Services, Inc.
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Conventional | 1 | 0.3% | 24% | $125,000 | |
Loanunited.Com, LLC
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FHA | 1 | 0.3% | 100% | $105,000 | |
The Genoa Banking Company
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Conventional | 1 | 0.3% | 100% | $325,000 | |
Valon Mortgage
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Conventional | 1 | 0.3% | 100% | $115,000 | |
Strong Home Mortgage, LLC
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FHA | 1 | 0.3% | 100% | $165,000 | |
Three Rivers Federal Crediit U
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Conventional | 1 | 0.3% | 100% | $275,000 | |
MidWest America Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $255,000 | |
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A5.0 ★Texas Ratio: 6.90% |
FHA | 1 | 0.3% | 100% | $195,000 | View |
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A+5.0 ★Texas Ratio: 3.45% |
VA | 1 | 0.3% | 100% | $385,000 | View |
Everwise Credit Union
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FHA | 1 | 0.3% | 100% | $215,000 | |
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A+5.0 ★Texas Ratio: 2.43% |
Conventional | 1 | 0.3% | 100% | $125,000 | View |
Navy Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $145,000 | |
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A+5.0 ★Texas Ratio: 2.82% |
Conventional | 1 | 0.3% | 100% | $235,000 | View |
Village Capital & Investment
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VA | 1 | 0.3% | 100% | $125,000 | |
Goodleap, LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 4.32% |
HELOC | 0 +1 HELOCs |
0% | 100% | View |
Coldwater 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 Coldwater, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Coldwater? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Coldwater in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Coldwater, MI
Use these to narrow the list above. Each category shows how many Coldwater, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Coldwater, MI
Independent mortgage companies closed 56.7 percent of home loans in Coldwater, Michigan in 2025, banks 22.5 percent and credit unions 20.8 percent. Rocket Mortgage was the largest mortgage company, Southern Michigan Bank & Trust the largest bank and Honor Credit Union the largest credit union. Among lenders headquartered in Michigan, Southern Michigan Bank & Trust led with 34 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 Coldwater, MI
By home loans closed in 2025, Southern Michigan Bank & Trust was the largest mortgage lender in Coldwater, Michigan with 34 loans, about 11.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
20 lenders closed FHA loans in Coldwater, Michigan in 2025, led by Union Home Mortgage Corp. with 14. 10 lenders closed VA loans, led by Mortgage Research Center, and 2 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. 16 banks and 15 credit unions closed home loans in Coldwater, Michigan in 2025, alongside 33 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 Coldwater, 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 Coldwater, 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 Coldwater. 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.
