Mortgage Lenders and Brokers in Freeland, 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
Freeland, Michigan mortgage lenders include Isabella BankIsabella Bank399 S Main St, Freeland, MI 48623A+5.0 ★Texas Ratio: 4.10%, Thumb Bank & TrustThumb Bank & Trust185 E Washington, Freeland, MI 48623A+5.0 ★Texas Ratio: 0.17%, Frankenmuth Credit UnionFrankenmuth Credit Union111 S Main St, Freeland, MI 48623A5.0 ★Texas Ratio: 8.18%, Wildfire Credit UnionWildfire Credit Union2936 Wilder Rd, Bay City, MI 48706A+5.0 ★Texas Ratio: 3.16%, Lake Michigan Credit UnionLake Michigan Credit Union496 Ada Dr SE STE 103, Ada, MI 49301, Dow Credit UnionDow Credit Union600 E Lyon Rd, Midland, MI 48640 5396, Huntington National BankHuntington National Bank230 N Main St, Freeland, MI 48623A+5.0 ★Texas Ratio: 3.66%, Independent BankIndependent Bank1004 W Midland Rd, Auburn, MI 48611A5.0 ★Texas Ratio: 6.46%, United Financial Credit UnionUnited Financial Credit Union7600 MIDLAND RD, FREELAND, MI 48623A+5.0 ★Texas Ratio: 4.11%, and JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA455 Ada Dr Se, Ada, MI 49301A+5.0 ★Texas Ratio: 3.68%. 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 Freeland, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Freeland 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 Freeland, Michigan
Market share is the lender's share of all home loans closed in Freeland, 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 Freeland 399 S Main St, Freeland, MI 48623 A+5.0 ★Texas Ratio: 4.10% |
Conventional, Jumbo, HELOC | 15 +3 HELOCs |
6.5% | 100% | $343,666 | View |
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1 office in Freeland 185 E Washington, Freeland, MI 48623 A+5.0 ★Texas Ratio: 0.17% |
Conventional | 3 | 1.3% | 75% | $115,000 | View |
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111 S Main St, Freeland, MI 48623 A5.0 ★Texas Ratio: 8.18% |
Conventional | 20 | 8.7% | 95.2% | $187,000 | View |
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2936 Wilder Rd, Bay City, MI 48706 A+5.0 ★Texas Ratio: 3.16% |
Conventional, Jumbo | 13 | 5.6% | 92.9% | $243,461 | View |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
Conventional, HELOC | 12 +5 HELOCs |
5.2% | 85.7% | $255,000 | |
Dow Credit Union
600 E Lyon Rd, Midland, MI 48640 5396 |
Conventional | 12 | 5.2% | 92.9% | $172,500 | |
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230 N Main St, Freeland, MI 48623 A+5.0 ★Texas Ratio: 3.66% |
Conventional, VA, HELOC | 9 +15 HELOCs |
3.9% | 81.8% | $213,888 | View |
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1004 W Midland Rd, Auburn, MI 48611 A5.0 ★Texas Ratio: 6.46% |
Conventional, VA, HELOC | 9 +1 HELOCs |
3.9% | 90.9% | $425,000 | View |
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7600 MIDLAND RD, FREELAND, MI 48623 A+5.0 ★Texas Ratio: 4.11% |
Conventional | 6 | 2.6% | 100% | $280,000 | View |
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455 Ada Dr Se, Ada, MI 49301 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 4 | 1.7% | 100% | $352,500 | View |
Financial Plus Credit Union
4129 N Euclid Ave, Bay City, MI 48706 |
Conventional | 4 | 1.7% | 66.7% | $42,500 | |
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2469 Cedar Street, Delhi Township, MI 48842 A-4.9 ★Texas Ratio: 16.59% |
Conventional | 3 | 1.3% | 75% | $411,666 | View |
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6900 Midland Rd, Freeland, MI 48623 8759 A5.0 ★Texas Ratio: 11.67% |
Conventional | 3 | 1.3% | 100% | $125,000 | View |
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3907 Wilder Rd, Bay City, MI 48706 A+5.0 ★Texas Ratio: 2.15% |
Conventional | 3 | 1.3% | 100% | $191,666 | View |
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1309 N Lincoln St, Bay City, MI 48708 6172 A5.0 ★Texas Ratio: 6.23% |
Conventional | 3 | 1.3% | 100% | $51,666 | View |
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475 Ada Drive, Ada Township, MI 49301 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 2 +2 HELOCs |
0.9% | 100% | $405,000 | View |
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1515 S Main St, Eaton Rapids, MI 48827 1951 A+5.0 ★Texas Ratio: 3.02% |
Conventional | 2 | 0.9% | 100% | $140,000 | View |
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34100 Woodward Ave, Birmingham, MI 48009 A+5.0 ★Texas Ratio: 5.36% |
Conventional, FHA | 2 | 0.9% | 100% | $215,000 | View |
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2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54% |
Conventional, HELOC | 1 +2 HELOCs |
0.4% | 100% | $125,000 | View |
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650 W 5th St, Clare, MI 48617 A+5.0 ★Texas Ratio: 4.54% |
Conventional | 1 | 0.4% | 100% | $205,000 | View |
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404 S Euclid Ave, Bay City, MI 48706 3206 A+5.0 ★Texas Ratio: 0.29% |
Conventional | 1 | 0.4% | 100% | $655,000 | View |
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3233 Fairlane Dr, Allen Park, MI 48101 D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.4% | 50% | $305,000 | View |
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395 Briarwood Cir, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.4% | 100% | $305,000 | View |
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915 S Euclid Ave, Bay City, MI 48706 A+5.0 ★Texas Ratio: 2.11% |
Conventional | 1 | 0.4% | 33.3% | $195,000 | View |
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7473 Storey Rd, Belding, MI 48809 9360 A+5.0 ★Texas Ratio: 1.25% |
Conventional | 1 | 0.4% | 100% | $125,000 | View |
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314 E Midland St, Bay City, MI 48706 A5.0 ★Texas Ratio: 6.25% |
Conventional | 1 | 0.4% | 100% | $85,000 | View |
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230 Woodworth Ave, Alma, MI 48801 A+5.0 ★Texas Ratio: 0.63% |
Conventional | 1 | 0.4% | 100% | $55,000 | View |
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201 S Superior Ave, Baraga, MI 49908 A+5.0 ★Texas Ratio: 4.32% |
Conventional | 1 | 0.4% | 100% | $395,000 | View |
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499 BRICK ST, BAD AXE, MI 48413 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.4% | 100% | $525,000 | View |
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455 E Eisenhower Pkwy, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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340 E Huron St, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 5.54% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 1.7 stars, 3 reviews 855 Marshall St, Allegan, MI 49010 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Rocket Mortgage
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Conventional, FHA | 19 | 8.2% | 86.4% | $263,947 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 13 | 5.6% | 100% | $341,923 | |
Staunton Financial Inc
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Conventional, FHA, VA | 5 | 2.2% | 100% | $355,000 | |
Health Advantage Federal Credi
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Conventional | 4 | 1.7% | 100% | $192,500 | |
Legacy Mortgage
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Conventional, FHA, VA, HELOC | 3 +1 HELOCs |
1.3% | 100% | $248,333 | |
Msu Federal Credit Union
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Conventional | 2 | 0.9% | 100% | $320,000 | |
Mortgage 1 Incorporated
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Conventional | 2 | 0.9% | 100% | $240,000 | |
GreenStone Farm Credit Services
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Conventional | 1 | 0.4% | 100% | $325,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 5 | 2.2% | 83.3% | $261,000 | |
Navy Federal Credit Union
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Conventional, VA, HELOC | 4 +1 HELOCs |
1.7% | 100% | $252,500 | |
Mortgage Research Center
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VA | 3 | 1.3% | 100% | $295,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional | 2 | 0.9% | 100% | $280,000 | View |
Equity Prime Mortgage LLC
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FHA | 2 | 0.9% | 100% | $265,000 | |
Guild Mortgage Company
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Conventional | 2 | 0.9% | 100% | $85,000 | |
AdvantageFirst Lending Inc
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Conventional, FHA | 2 | 0.9% | 66.7% | $225,000 | |
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A+5.0 ★Texas Ratio: 5.26% |
Conventional | 2 | 0.9% | 100% | $265,000 | View |
The Loan Store, Inc
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Conventional, VA | 2 | 0.9% | 100% | $475,000 | |
Freedom Mortgage Corporation
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VA | 1 | 0.4% | 100% | $395,000 | |
Gvc Mortgage, Inc.
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Conventional | 1 | 0.4% | 100% | $165,000 | |
Kind Lending, LLC
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FHA | 1 | 0.4% | 100% | $395,000 | |
loanDepot.com LLC
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Conventional | 1 | 0.4% | 100% | $105,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $175,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.4% | 50% | $55,000 | |
Princeton Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $335,000 | |
American Financial Network, Inc.
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Conventional | 1 | 0.4% | 100% | $245,000 | |
Discover Bank
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Conventional | 1 | 0.4% | 100% | $85,000 | |
Das Acquisition Company, LLC
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Conventional | 1 | 0.4% | 100% | $285,000 | |
Click n' Close, Inc.
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FHA | 1 | 0.4% | 100% | $295,000 | |
American Internet Mortgage, Inc.
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Conventional | 1 | 0.4% | 100% | $235,000 | |
BoxCar Mortgage, LLC
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VA | 1 | 0.4% | 100% | $325,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $355,000 | |
Geneva Financial LLC
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Conventional | 1 | 0.4% | 100% | $135,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.4% | 100% | $265,000 | |
Prosperity Home Mortgage, LLC
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FHA | 1 | 0.4% | 100% | $245,000 | |
New American Funding, LLC.
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Conventional | 1 | 0.4% | 100% | $315,000 | |
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A5.0 ★Texas Ratio: 10.77% |
Conventional | 1 | 0.4% | 100% | $485,000 | View |
21St Mortgage
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Conventional | 1 | 0.4% | 50% | $25,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.4% | 100% | $195,000 | |
Spring Eq, LLC
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Conventional | 1 | 0.4% | 33.3% | $95,000 | |
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 |
Freeland 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 Freeland, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Freeland? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Freeland in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Freeland, MI
Use these to narrow the list above. Each category shows how many Freeland, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Freeland, MI
Independent mortgage companies closed 34.2 percent of home loans in Freeland, Michigan in 2025, banks 26 percent and credit unions 39.8 percent. Rocket Mortgage was the largest mortgage company, Isabella Bank the largest bank and Frankenmuth Credit Union the largest credit union. Among lenders headquartered in Michigan, Isabella Bank led with 15 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 Freeland, MI
By home loans closed in 2025, Isabella Bank was the largest mortgage lender in Freeland, Michigan with 15 loans, about 6.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
11 lenders closed FHA loans in Freeland, Michigan in 2025, led by Rocket Mortgage with 3. 10 lenders closed VA loans, led by Navy Federal Credit Union. 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. 20 banks and 20 credit unions closed home loans in Freeland, 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 Freeland, 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 Freeland, 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 Freeland. 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.
