Mortgage Lenders and Brokers in Decatur, 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
Decatur, Michigan mortgage lenders include Honor Credit UnionHonor Credit Union201 N Phelps St, Decatur, MI 49045A+5.0 ★Texas Ratio: 5.27%, Consumers Credit UnionConsumers Credit Union6081 B Dr N, Battle Creek, MI 49014 8367A+5.0 ★Texas Ratio: 3.56%, Lake Michigan Credit UnionLake Michigan Credit Union496 Ada Dr SE STE 103, Ada, MI 49301, Fifth Third Bank, National AssociationFifth Third Bank, National Association475 Ada Drive, Ada Township, MI 49301A+5.0 ★Texas Ratio: 3.22%, PNC Bank N.A.PNC Bank N.A.855 Marshall St, Allegan, MI 49010A+5.0 ★Texas Ratio: 4.24%, Arbor Financial Credit UnionArbor Financial Credit Union7200 KALAMAZOO AVE SE, CALEDONIA, MI 49316A5.0 ★Texas Ratio: 12.10%, Old National BankOld National Bank1422 S Winter St, Adrian, MI 49221A+5.0 ★Texas Ratio: 4.98%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA455 Ada Dr Se, Ada, MI 49301A+5.0 ★Texas Ratio: 3.68%, United Federal Credit UnionUnited Federal Credit Union1026 W Midland Rd, AUBURN, MI 48611A+5.0 ★Texas Ratio: 4.11%, and Sturgis Bank & TrustSturgis Bank & Trust232 W Monroe St, Bangor, MI 49013A5.0 ★Texas Ratio: 9.46%. 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 Decatur, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Decatur 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 Decatur, Michigan
Market share is the lender's share of all home loans closed in Decatur, 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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201 N Phelps St, Decatur, MI 49045 A+5.0 ★Texas Ratio: 5.27% |
Conventional, HELOC | 21 +9 HELOCs |
24.7% | 78.6% | $147,380 | View |
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6081 B Dr N, Battle Creek, MI 49014 8367 A+5.0 ★Texas Ratio: 3.56% |
Conventional, HELOC | 4 +3 HELOCs |
4.7% | 100% | $107,500 | View |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
Conventional | 3 | 3.5% | 100% | $168,333 | |
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475 Ada Drive, Ada Township, MI 49301 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 2 +5 HELOCs |
2.4% | 40% | $205,000 | 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 +4 HELOCs |
1.2% | 100% | $165,000 | View |
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7200 KALAMAZOO AVE SE, CALEDONIA, MI 49316 A5.0 ★Texas Ratio: 12.10% |
Conventional, HELOC | 1 +2 HELOCs |
1.2% | 66.7% | $85,000 | View |
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1422 S Winter St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 4.98% |
Conventional, HELOC | 1 +1 HELOCs |
1.2% | 100% | $165,000 | View |
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455 Ada Dr Se, Ada, MI 49301 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 1.2% | 100% | $155,000 | View |
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1026 W Midland Rd, AUBURN, MI 48611 A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 1.2% | 100% | $305,000 | View |
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232 W Monroe St, Bangor, MI 49013 A5.0 ★Texas Ratio: 9.46% |
Conventional | 1 | 1.2% | 100% | $315,000 | View |
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34100 Woodward Ave, Birmingham, MI 48009 A+5.0 ★Texas Ratio: 5.36% |
FHA | 1 | 1.2% | 100% | $265,000 | View |
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144 W Huron Rd, Au Gres, MI 48703 A+5.0 ★Texas Ratio: 4.40% |
FHA | 1 | 1.2% | 50% | $135,000 | View |
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223 S Front St, Dowagiac, MI 49047 A+5.0 ★Texas Ratio: 5.01% |
HELOC | 0 +1 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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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 | 8 | 9.4% | 72.7% | $163,750 | |
United Wholesale Mortgage
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Conventional, FHA | 3 | 3.5% | 100% | $178,333 | |
Success Mortgage Partners, Inc
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Conventional, FHA | 2 | 2.4% | 100% | $80,000 | |
Mortgage Center LC
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Conventional, VA | 2 | 2.4% | 100% | $185,000 | |
Gold Star Mortgage Financial Group, Corporation
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Conventional | 1 | 1.2% | 100% | $225,000 | |
Mortgage 1 Incorporated
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USDA | 1 | 1.2% | 100% | $255,000 | |
Gvc Mortgage, Inc.
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Conventional, FHA, USDA | 12 | 14.1% | 100% | $147,500 | |
Mortgage Research Center
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VA | 3 | 3.5% | 100% | $251,666 | |
Ruoff Mortgage Company
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Conventional | 2 | 2.4% | 100% | $175,000 | |
Primelending
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Conventional, FHA | 2 | 2.4% | 100% | $170,000 | |
Union Home Mortgage Corp.
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Conventional, FHA | 2 | 2.4% | 66.7% | $140,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 1.2% | 100% | $125,000 | |
CrossCountry Mortgage, LLC
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FHA | 1 | 1.2% | 50% | $285,000 | |
Amerisave Mortgage Company
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FHA | 1 | 1.2% | 50% | $125,000 | |
Sun West Mortgage Company, Inc
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FHA | 1 | 1.2% | 100% | $215,000 | |
Click n' Close, Inc.
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FHA | 1 | 1.2% | 100% | $165,000 | |
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A+5.0 ★Texas Ratio: 0.16% |
Conventional | 1 | 1.2% | 100% | $215,000 | View |
Cardinal Financial Company, Li
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FHA | 1 | 1.2% | 100% | $175,000 | |
Nationstar Mortgage
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Conventional | 1 | 1.2% | 100% | $45,000 | |
New American Funding, LLC.
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Conventional | 1 | 1.2% | 100% | $55,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Everwise Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Decatur 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 Decatur, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Decatur? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Decatur in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Decatur, MI
Use these to narrow the list above. Each category shows how many Decatur, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Decatur, MI
Independent mortgage companies closed 49.4 percent of home loans in Decatur, Michigan in 2025, banks 12.9 percent and credit unions 37.6 percent. Rocket Mortgage was the largest mortgage company, Fifth Third Bank, National Association the largest bank and Honor Credit Union the largest credit union. Among lenders headquartered in Michigan, Honor Credit Union led with 21 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 Decatur, MI
By home loans closed in 2025, Honor Credit Union was the largest mortgage lender in Decatur, Michigan with 21 loans, about 24.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
13 lenders closed FHA loans in Decatur, Michigan in 2025, led by Gvc Mortgage, Inc. with 5. 2 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. 12 banks and 8 credit unions closed home loans in Decatur, Michigan in 2025, alongside 18 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 Decatur, 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 Decatur, 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 Decatur. 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.
