Mortgage Lenders and Brokers in Cross Village, 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
Cross Village, Michigan mortgage lenders include Mercantile BankMercantile Bank230 Woodworth Ave, Alma, MI 48801A+5.0 ★Texas Ratio: 0.63%, Lake Michigan Credit UnionLake Michigan Credit Union496 Ada Dr SE STE 103, Ada, MI 49301, 4Front Credit Union4Front Credit Union515 E Cayuga St, Bellaire, MI 49615, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA455 Ada Dr Se, Ada, MI 49301A+5.0 ★Texas Ratio: 3.68%, Bank of America NABank of America NA395 Briarwood Cir, Ann Arbor, MI 48108A+5.0 ★Texas Ratio: 4.14%, Dart BankDart Bank2469 Cedar Street, Delhi Township, MI 48842A-4.9 ★Texas Ratio: 16.59%, Nicolet National BankNicolet National Bank468 N Ripley Blvd, Alpena, MI 49707A+5.0 ★Texas Ratio: 2.28%, PNC Bank N.A.PNC Bank N.A.855 Marshall St, Allegan, MI 49010A+5.0 ★Texas Ratio: 4.24%, First Merchants BankFirst Merchants Bank3930 S State Rd, Ann Arbor, MI 48108A+5.0 ★Texas Ratio: 4.12%, and West Michigan Community BankWest Michigan Community Bank4797 Cascade Rd Se, Grand Rapids, MI 49546B+4.8 ★Texas Ratio: 17.71%. 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 Cross Village, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Cross Village 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 Cross Village, Michigan
Market share is the lender's share of all home loans closed in Cross Village, 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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230 Woodworth Ave, Alma, MI 48801 A+5.0 ★Texas Ratio: 0.63% |
Conventional, FHA, Jumbo, HELOC | 16 +2 HELOCs |
28.1% | 94.1% | $660,000 | View |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
Conventional, Jumbo, HELOC | 3 +1 HELOCs |
5.3% | 100% | $771,666 | |
4Front Credit Union
515 E Cayuga St, Bellaire, MI 49615 |
Conventional, HELOC | 2 +4 HELOCs |
3.5% | 100% | $85,000 | |
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455 Ada Dr Se, Ada, MI 49301 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 2 | 3.5% | 100% | $830,000 | View |
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395 Briarwood Cir, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 2 | 3.5% | 100% | $590,000 | View |
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2469 Cedar Street, Delhi Township, MI 48842 A-4.9 ★Texas Ratio: 16.59% |
VA, HELOC | 1 +1 HELOCs |
1.8% | 100% | $785,000 | View |
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468 N Ripley Blvd, Alpena, MI 49707 A+5.0 ★Texas Ratio: 2.28% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
1.8% | 100% | $2,005,000 | View |
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★ 1.7 stars, 3 reviews 855 Marshall St, Allegan, MI 49010 A+5.0 ★Texas Ratio: 4.24% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
1.8% | 100% | $2,005,000 | View |
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3930 S State Rd, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 4.12% |
Conventional, HELOC | 1 +1 HELOCs |
1.8% | 100% | $135,000 | View |
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4797 Cascade Rd Se, Grand Rapids, MI 49546 B+4.8 ★Texas Ratio: 17.71% |
Conventional | 1 | 1.8% | 100% | $455,000 | View |
Community Financial
12483 State St, Atlanta, MI 49709 |
Conventional | 1 | 1.8% | 100% | $135,000 | |
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4141 Jackson Rd, Ann Arbor, MI 48103 1827 A+5.0 ★Texas Ratio: 1.03% |
Conventional | 1 | 1.8% | 100% | $35,000 | View |
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2910 Carpenter Rd, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 1.86% |
Conventional, Jumbo | 1 | 1.8% | 100% | $955,000 | View |
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2936 Wilder Rd, Bay City, MI 48706 A+5.0 ★Texas Ratio: 3.16% |
Conventional | 1 | 1.8% | 100% | $255,000 | View |
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475 Ada Drive, Ada Township, MI 49301 A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
Rocket Mortgage
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Conventional, VA, Jumbo | 7 | 12.3% | 70% | $327,857 | |
United Wholesale Mortgage
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Conventional, VA | 5 | 8.8% | 100% | $249,000 | |
Msu Federal Credit Union
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Conventional, Jumbo, HELOC | 2 +1 HELOCs |
3.5% | 100% | $1,530,000 | |
Newrez LLC
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Conventional | 2 | 3.5% | 100% | $230,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 1.8% | 100% | $205,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 1.8% | 100% | $345,000 | View |
Freedom Mortgage Corporation
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VA | 1 | 1.8% | 100% | $305,000 | |
Planet Home Lending, LLC
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FHA | 1 | 1.8% | 100% | $275,000 | |
Mortgage Research Center
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VA | 1 | 1.8% | 50% | $395,000 | |
Mutual of Omaha Mortgage
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Conventional, Jumbo | 1 | 1.8% | 100% | $1,025,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 1.8% | 100% | $555,000 | View |
Alliant Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
loanDepot.com LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Cross Village 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 Cross Village, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Cross Village? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Cross Village in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Cross Village, MI
Use these to narrow the list above. Each category shows how many Cross Village, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Cross Village, MI
Independent mortgage companies closed 33.3 percent of home loans in Cross Village, Michigan in 2025, banks 47.4 percent and credit unions 19.3 percent. Rocket Mortgage was the largest mortgage company, Mercantile Bank the largest bank and Lake Michigan Credit Union the largest credit union. Among lenders headquartered in Michigan, Mercantile Bank led with 16 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 Cross Village, MI
By home loans closed in 2025, Mercantile Bank was the largest mortgage lender in Cross Village, Michigan with 16 loans, about 28.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
2 lenders closed FHA loans in Cross Village, Michigan in 2025, led by Mercantile Bank with 1. 5 lenders closed VA loans, led by Dart Bank. 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 8 credit unions closed home loans in Cross Village, Michigan in 2025, alongside 9 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 Cross Village, 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 Cross Village, 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 Cross Village. 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.
