Mortgage Lenders and Brokers in Garden, 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
Garden, Michigan mortgage lenders include Nicolet National BankNicolet National Bank468 N Ripley Blvd, Alpena, MI 49707A+5.0 ★Texas Ratio: 2.28%, Huntington National BankHuntington National Bank202 W Maumee St, Adrian, MI 49221A+5.0 ★Texas Ratio: 3.66%, Community FinancialCommunity Financial12483 State St, Atlanta, MI 49709, Honor Credit UnionHonor Credit Union1253 Lincoln Rd, Allegan, MI 49010A+5.0 ★Texas Ratio: 5.27%, First Merchants BankFirst Merchants Bank3930 S State Rd, Ann Arbor, MI 48108A+5.0 ★Texas Ratio: 4.12%, Citizens Bank, NACitizens Bank, NA455 E Eisenhower Pkwy, Ann Arbor, MI 48108A+5.0 ★Texas Ratio: 5.44%, Rocket MortgageRocket MortgageDetroit, MI, United Wholesale MortgageUnited Wholesale MortgagePontiac, MI, Freedom Mortgage Corporation, and New Day Financial, LLC.. 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 Garden, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Garden 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 Garden, Michigan
Market share is the lender's share of all home loans closed in Garden, 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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468 N Ripley Blvd, Alpena, MI 49707 A+5.0 ★Texas Ratio: 2.28% |
Conventional, HELOC | 4 +2 HELOCs |
14.3% | 100% | $132,500 | View |
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202 W Maumee St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 3.6% | 100% | $85,000 | View |
Community Financial
12483 State St, Atlanta, MI 49709 |
Conventional | 1 | 3.6% | 100% | $265,000 | |
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1253 Lincoln Rd, Allegan, MI 49010 A+5.0 ★Texas Ratio: 5.27% |
Conventional | 1 | 3.6% | 100% | $255,000 | View |
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3930 S State Rd, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 4.12% |
Conventional | 1 | 3.6% | 100% | $255,000 | 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 | |
Rocket Mortgage
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Conventional, VA | 4 | 14.3% | 57.1% | $192,500 | |
United Wholesale Mortgage
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Conventional, VA | 2 | 7.1% | 66.7% | $345,000 | |
Freedom Mortgage Corporation
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VA | 2 | 7.1% | 100% | $440,000 | |
New Day Financial, LLC.
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VA | 2 | 7.1% | 66.7% | $290,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 3.6% | 100% | $175,000 | View |
Servion
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VA | 1 | 3.6% | 100% | $75,000 | |
Pennymac Loan Services LLC
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VA | 1 | 3.6% | 100% | $185,000 | |
loanDepot.com LLC
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Conventional | 1 | 3.6% | 100% | $155,000 | |
First Colony Mortgage Corporat
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FHA | 1 | 3.6% | 100% | $235,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 1 | 3.6% | 100% | $235,000 | View |
Mortgage Research Center
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VA | 1 | 3.6% | 100% | $225,000 | |
Mutual of Omaha Mortgage
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VA | 1 | 3.6% | 100% | $245,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional | 1 | 3.6% | 100% | $85,000 | View |
Navy Federal Credit Union
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Conventional | 1 | 3.6% | 100% | $475,000 |
Garden 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 Garden, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Garden? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Garden in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Garden, MI
Use these to narrow the list above. Each category shows how many Garden, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Garden, MI
Independent mortgage companies closed 57.1 percent of home loans in Garden, Michigan in 2025, banks 32.1 percent and credit unions 10.7 percent. Rocket Mortgage was the largest mortgage company, Nicolet National Bank the largest bank and Community Financial the largest credit union. Among lenders headquartered in Michigan, Community Financial 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 Garden, MI
By home loans closed in 2025, Nicolet National Bank was the largest mortgage lender in Garden, Michigan with 4 loans, about 14.3 percent of the market. The largest lender headquartered in Michigan was Community Financial with 1 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
1 lenders closed FHA loans in Garden, Michigan in 2025, led by First Colony Mortgage Corporat with 1. 9 lenders closed VA loans, led by Freedom Mortgage Corporation. 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. 7 banks and 3 credit unions closed home loans in Garden, Michigan in 2025, alongside 10 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 Garden, 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 Garden, 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 Garden. 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.
