Mortgage Lenders and Brokers in Essexville, 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
Essexville, Michigan mortgage lenders include Independent BankIndependent Bank1615 W Center Rd, Essexville, MI 48732A5.0 ★Texas Ratio: 6.46%, Huntington National BankHuntington National Bank3101 Center Ave, Essexville, MI 48732A+5.0 ★Texas Ratio: 3.66%, Wildfire Credit UnionWildfire Credit Union2936 Wilder Rd, Bay City, MI 48706A+5.0 ★Texas Ratio: 3.16%, United Bay Community CUUnited Bay Community CU1309 N Lincoln St, Bay City, MI 48708 6172A5.0 ★Texas Ratio: 6.23%, 1St State Bank1St State Bank3907 Wilder Rd, Bay City, MI 48706A+5.0 ★Texas Ratio: 2.15%, Financial Plus Credit UnionFinancial Plus Credit Union4129 N Euclid Ave, Bay City, MI 48706, Frankenmuth Credit UnionFrankenmuth Credit Union3017 Center Ave, Essexville, MI 48732A5.0 ★Texas Ratio: 8.18%, Jolt Credit UnionJolt Credit Union3015 Center Ave, Essexville, MI 48732A+5.0 ★Texas Ratio: 2.11%, FinancialEdge Credit UnionFinancialEdge Credit Union1199 S Euclid Ave, Bay City, MI 48706, and Bank of America NABank of America NA395 Briarwood Cir, Ann Arbor, MI 48108A+5.0 ★Texas Ratio: 4.14%. 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 Essexville, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Essexville 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 Essexville, Michigan
Market share is the lender's share of all home loans closed in Essexville, 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 Essexville 1615 W Center Rd, Essexville, MI 48732 A5.0 ★Texas Ratio: 6.46% |
Conventional, HELOC | 3 +2 HELOCs |
3.5% | 100% | $101,666 | View |
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1 office in Essexville 3101 Center Ave, Essexville, MI 48732 A+5.0 ★Texas Ratio: 3.66% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
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2936 Wilder Rd, Bay City, MI 48706 A+5.0 ★Texas Ratio: 3.16% |
Conventional | 5 | 5.8% | 100% | $175,000 | View |
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1309 N Lincoln St, Bay City, MI 48708 6172 A5.0 ★Texas Ratio: 6.23% |
Conventional | 5 | 5.8% | 100% | $75,000 | View |
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3907 Wilder Rd, Bay City, MI 48706 A+5.0 ★Texas Ratio: 2.15% |
Conventional | 3 | 3.5% | 100% | $145,000 | View |
Financial Plus Credit Union
4129 N Euclid Ave, Bay City, MI 48706 |
Conventional | 3 | 3.5% | 100% | $158,333 | |
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3017 Center Ave, Essexville, MI 48732 A5.0 ★Texas Ratio: 8.18% |
Conventional | 3 | 3.5% | 100% | $105,000 | View |
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3015 Center Ave, Essexville, MI 48732 A+5.0 ★Texas Ratio: 2.11% |
Conventional | 2 | 2.3% | 66.7% | $120,000 | View |
FinancialEdge Credit Union
1199 S Euclid Ave, Bay City, MI 48706 |
Conventional | 2 | 2.3% | 100% | $70,000 | |
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395 Briarwood Cir, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +1 HELOCs |
1.2% | 100% | $245,000 | View |
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14049 Lindsey Pvt Ln, Dewitt, MI 48820 A+5.0 ★Texas Ratio: 4.17% |
Conventional | 1 | 1.2% | 100% | $145,000 | View |
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2230 S Center Rd, Burton, MI 48519 A+5.0 ★Texas Ratio: 5.96% |
Conventional | 1 | 1.2% | 100% | $15,000 | View |
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314 E Midland St, Bay City, MI 48706 A5.0 ★Texas Ratio: 6.25% |
Conventional | 1 | 1.2% | 50% | $105,000 | View |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
Conventional | 1 | 1.2% | 100% | $75,000 | |
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1553 Lansing Rd, Charlotte, MI 48813 A+5.0 ★Texas Ratio: 1.86% |
Conventional | 1 | 1.2% | 100% | $125,000 | View |
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475 Ada Drive, Ada Township, MI 49301 A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Rocket Mortgage
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Conventional, FHA, VA | 12 | 14% | 92.3% | $147,500 | |
Staunton Financial Inc
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Conventional, FHA, VA | 11 | 12.8% | 100% | $193,181 | |
United Wholesale Mortgage
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Conventional, FHA | 2 | 2.3% | 66.7% | $160,000 | |
Legacy Mortgage
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FHA | 2 | 2.3% | 100% | $145,000 | |
Michigan Mutual, Inc
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Conventional | 2 | 2.3% | 100% | $80,000 | |
Msu Federal Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
1.2% | 100% | $35,000 | |
Great Lakes Federal Credit Uni
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Conventional | 1 | 1.2% | 100% | $95,000 | |
Top Flite Financial, Inc.
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Conventional | 1 | 1.2% | 100% | $125,000 | |
Das Acquisition Company, LLC
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Conventional, FHA | 5 | 5.8% | 100% | $169,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 3 | 3.5% | 100% | $61,666 | View |
Guaranteed Rate, Inc.
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Conventional | 2 | 2.3% | 100% | $100,000 | |
Mortgage Research Center
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VA | 2 | 2.3% | 66.7% | $160,000 | |
Servion
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FHA | 1 | 1.2% | 100% | $115,000 | |
Freedom Mortgage Corporation
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FHA | 1 | 1.2% | 100% | $125,000 | |
Newrez LLC
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Conventional | 1 | 1.2% | 100% | $215,000 | |
Kind Lending, LLC
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Conventional | 1 | 1.2% | 100% | $145,000 | |
Pennymac Loan Services LLC
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VA | 1 | 1.2% | 100% | $145,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 1.2% | 66.7% | $45,000 | |
Sun West Mortgage Company, Inc
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VA | 1 | 1.2% | 100% | $175,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 1.2% | 100% | $175,000 | View |
Mortgage Solutions of Colorado
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VA | 1 | 1.2% | 100% | $165,000 | |
Prosperity Home Mortgage, LLC
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FHA | 1 | 1.2% | 100% | $115,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Essexville 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 Essexville, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Essexville? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Essexville in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Essexville, MI
Use these to narrow the list above. Each category shows how many Essexville, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Essexville, MI
Independent mortgage companies closed 55.8 percent of home loans in Essexville, Michigan in 2025, banks 12.8 percent and credit unions 31.4 percent. Rocket Mortgage was the largest mortgage company, Independent Bank the largest bank and Wildfire Credit Union the largest credit union. Among lenders headquartered in Michigan, Independent Bank led with 3 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 Essexville, MI
By home loans closed in 2025, Independent Bank was the largest mortgage lender in Essexville, Michigan with 3 loans, about 3.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
8 lenders closed FHA loans in Essexville, Michigan in 2025, led by Rocket Mortgage with 5. 7 lenders closed VA loans, led by Mortgage Research Center. 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 13 credit unions closed home loans in Essexville, Michigan in 2025, alongside 19 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 Essexville, 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 Essexville, 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 Essexville. 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.
