Mortgage Lenders and Brokers in Empire, 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
Empire, Michigan mortgage lenders include Huntington National BankHuntington National Bank10210 W Front St, Empire, MI 49630A+5.0 ★Texas Ratio: 3.66%, State Savings BankState Savings Bank11470 S Leelanau Hwy, Empire, MI 49630A+5.0 ★Texas Ratio: 1.81%, Lake Michigan Credit UnionLake Michigan Credit Union496 Ada Dr SE STE 103, Ada, MI 49301, Dart BankDart Bank2469 Cedar Street, Delhi Township, MI 48842A-4.9 ★Texas Ratio: 16.59%, Independent BankIndependent Bank1004 W Midland Rd, Auburn, MI 48611A5.0 ★Texas Ratio: 6.46%, Honor BankHonor Bank11926 Chippewa Hwy, Bear Lake, MI 49614A+5.0 ★Texas Ratio: 5.27%, West Shore BankWest Shore Bank501 Main St, Frankfort, MI 49635A5.0 ★Texas Ratio: 10.41%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA455 Ada Dr Se, Ada, MI 49301A+5.0 ★Texas Ratio: 3.68%, Fifth Third Bank, National AssociationFifth Third Bank, National Association475 Ada Drive, Ada Township, MI 49301A+5.0 ★Texas Ratio: 3.22%, and Citizens Bank, NACitizens Bank, NA455 E Eisenhower Pkwy, Ann Arbor, MI 48108A+5.0 ★Texas Ratio: 5.44%. 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 Empire, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Empire 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 Empire, Michigan
Market share is the lender's share of all home loans closed in Empire, 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 Empire 10210 W Front St, Empire, MI 49630 A+5.0 ★Texas Ratio: 3.66% |
Conventional, Jumbo | 3 | 4.9% | 100% | $795,000 | View |
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1 office in Empire 11470 S Leelanau Hwy, Empire, MI 49630 A+5.0 ★Texas Ratio: 1.81% |
Conventional | 1 | 1.6% | 50% | $655,000 | View |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
Conventional, Jumbo, HELOC | 9 +4 HELOCs |
14.8% | 100% | $669,444 | |
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2469 Cedar Street, Delhi Township, MI 48842 A-4.9 ★Texas Ratio: 16.59% |
Conventional | 6 | 9.8% | 100% | $656,666 | View |
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1004 W Midland Rd, Auburn, MI 48611 A5.0 ★Texas Ratio: 6.46% |
Conventional, Jumbo, HELOC | 4 +1 HELOCs |
6.6% | 100% | $595,000 | View |
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11926 Chippewa Hwy, Bear Lake, MI 49614 A+5.0 ★Texas Ratio: 5.27% |
Conventional | 4 | 6.6% | 100% | $252,500 | View |
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501 Main St, Frankfort, MI 49635 A5.0 ★Texas Ratio: 10.41% |
Conventional | 4 | 6.6% | 100% | $742,500 | View |
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455 Ada Dr Se, Ada, MI 49301 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 2 | 3.3% | 100% | $1,165,000 | View |
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475 Ada Drive, Ada Township, MI 49301 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 1 +2 HELOCs |
1.6% | 100% | $785,000 | View |
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455 E Eisenhower Pkwy, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 5.44% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
1.6% | 100% | $2,765,000 | View |
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1026 W Midland Rd, AUBURN, MI 48611 A+5.0 ★Texas Ratio: 4.11% |
Conventional, Jumbo | 1 | 1.6% | 100% | $965,000 | View |
Community Financial
12483 State St, Atlanta, MI 49709 |
Conventional | 1 | 1.6% | 100% | $305,000 | |
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34100 Woodward Ave, Birmingham, MI 48009 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 1.6% | 100% | $205,000 | View |
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230 Woodworth Ave, Alma, MI 48801 A+5.0 ★Texas Ratio: 0.63% |
Conventional | 1 | 1.6% | 100% | $295,000 | View |
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5800 S Main St, Clarkston, MI 48346 A+5.0 ★Texas Ratio: 5.33% |
Conventional | 1 | 1.6% | 100% | $505,000 | 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 | 1 | 1.6% | 100% | $935,000 | View |
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125 S 5th Ave, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 1.88% |
Conventional | 1 | 1.6% | 100% | $355,000 | View |
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710 N Van Dyke Rd, Bad Axe, MI 48413 A5.0 ★Texas Ratio: 8.18% |
Conventional | 1 | 1.6% | 100% | $205,000 | View |
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14049 Lindsey Pvt Ln, Dewitt, MI 48820 A+5.0 ★Texas Ratio: 4.17% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54% |
HELOC | 0 +1 HELOCs |
0% | 50% | View | |
Rocket Mortgage
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Conventional, Jumbo | 4 | 6.6% | 100% | $755,000 | |
United Wholesale Mortgage
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Conventional | 2 | 3.3% | 100% | $440,000 | |
Msu Federal Credit Union
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Conventional | 1 | 1.6% | 100% | $465,000 | |
Mortgage 1 Incorporated
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Conventional | 1 | 1.6% | 100% | $425,000 | |
Guaranteed Rate Affinity, LLC
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Conventional, Jumbo | 1 | 1.6% | 100% | $2,875,000 | |
Newrez LLC
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Conventional | 1 | 1.6% | 50% | $465,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
VA | 1 | 1.6% | 100% | $315,000 | View |
Thompson Kane & Company, Inc
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Conventional | 1 | 1.6% | 100% | $375,000 | |
Calcon Mutual Mortgage LLC
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Conventional, Jumbo | 1 | 1.6% | 100% | $1,535,000 | |
Pentagon Federal Credit Union
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Conventional | 1 | 1.6% | 100% | $565,000 | |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional | 1 | 1.6% | 100% | $415,000 | View |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 1 | 1.6% | 100% | $1,185,000 | View |
Navy Federal Credit Union
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Conventional | 1 | 1.6% | 100% | $195,000 | |
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A+5.0 ★Texas Ratio: 1.57% |
Conventional | 1 | 1.6% | 100% | $375,000 | View |
Empire 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 Empire, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Empire? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Empire in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Empire, MI
Use these to narrow the list above. Each category shows how many Empire, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Empire, MI
Independent mortgage companies closed 18 percent of home loans in Empire, Michigan in 2025, banks 57.4 percent and credit unions 24.6 percent. Rocket Mortgage was the largest mortgage company, Huntington National Bank the largest bank and Lake Michigan Credit Union the largest credit union. Among lenders headquartered in Michigan, State Savings Bank 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 Empire, MI
By home loans closed in 2025, Huntington National Bank was the largest mortgage lender in Empire, Michigan with 3 loans, about 4.9 percent of the market. The largest lender headquartered in Michigan was State Savings Bank with 1 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 18 banks and 9 credit unions closed home loans in Empire, Michigan in 2025, alongside 7 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 Empire, 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 Empire, 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 Empire. 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.
