Mortgage Lenders and Brokers in Grayling, 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
Grayling, Michigan mortgage lenders include Huntington National BankHuntington National Bank305 E Michigan Ave, Grayling, MI 49738A+5.0 ★Texas Ratio: 3.66%, Horizon BankHorizon Bank2500 S I 75 Business Loop, Grayling, MI 49738A+5.0 ★Texas Ratio: 4.40%, North Central Area Credit UnionNorth Central Area Credit Union505 Clyde St, Grayling, MI 49738A+5.0 ★Texas Ratio: 5.83%, Community FinancialCommunity Financial12483 State St, Atlanta, MI 49709, Fifth Third Bank, National AssociationFifth Third Bank, National Association475 Ada Drive, Ada Township, MI 49301A+5.0 ★Texas Ratio: 3.22%, State Savings BankState Savings Bank49 N Benzie Blvd, Beulah, MI 49617A+5.0 ★Texas Ratio: 1.81%, Mercantile BankMercantile Bank230 Woodworth Ave, Alma, MI 48801A+5.0 ★Texas Ratio: 0.63%, Dart BankDart Bank2469 Cedar Street, Delhi Township, MI 48842A-4.9 ★Texas Ratio: 16.59%, Member First Mortgage, LLCMember First Mortgage, LLC650 W 5th St, Clare, MI 48617, and Genisys Credit UnionGenisys Credit Union2100 Executive Hills Dr, Auburn Hills, MI 48326 2947A+5.0 ★Texas Ratio: 5.37%. 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 Grayling, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Grayling 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 Grayling, Michigan
Market share is the lender's share of all home loans closed in Grayling, 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 Grayling 305 E Michigan Ave, Grayling, MI 49738 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, HELOC | 11 +17 HELOCs |
8% | 84.6% | $238,636 | View |
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1 office in Grayling 2500 S I 75 Business Loop, Grayling, MI 49738 A+5.0 ★Texas Ratio: 4.40% |
Conventional, FHA, VA, HELOC | 3 +3 HELOCs |
2.2% | 80% | $155,000 | View |
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505 Clyde St, Grayling, MI 49738 A+5.0 ★Texas Ratio: 5.83% |
Conventional | 9 | 6.6% | 100% | $99,444 | View |
Community Financial
12483 State St, Atlanta, MI 49709 |
Conventional, HELOC | 5 +2 HELOCs |
3.6% | 83.3% | $93,000 | |
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475 Ada Drive, Ada Township, MI 49301 A+5.0 ★Texas Ratio: 3.22% |
Conventional, FHA, HELOC | 5 +1 HELOCs |
3.6% | 71.4% | $211,000 | View |
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49 N Benzie Blvd, Beulah, MI 49617 A+5.0 ★Texas Ratio: 1.81% |
Conventional | 3 | 2.2% | 60% | $151,666 | View |
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230 Woodworth Ave, Alma, MI 48801 A+5.0 ★Texas Ratio: 0.63% |
Conventional, FHA | 3 | 2.2% | 100% | $191,666 | View |
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2469 Cedar Street, Delhi Township, MI 48842 A-4.9 ★Texas Ratio: 16.59% |
Conventional | 2 | 1.5% | 100% | $325,000 | View |
Member First Mortgage, LLC
650 W 5th St, Clare, MI 48617 |
Conventional, FHA | 2 | 1.5% | 100% | $190,000 | |
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2100 Executive Hills Dr, Auburn Hills, MI 48326 2947 A+5.0 ★Texas Ratio: 5.37% |
Conventional | 1 | 0.7% | 100% | $135,000 | View |
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455 Ada Dr Se, Ada, MI 49301 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.7% | 100% | $365,000 | View |
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3233 Fairlane Dr, Allen Park, MI 48101 D3.3 ★Texas Ratio: 35.11% |
FHA | 1 | 0.7% | 100% | $105,000 | View |
4Front Credit Union
515 E Cayuga St, Bellaire, MI 49615 |
Conventional | 1 | 0.7% | 100% | $105,000 | |
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340 E Huron St, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 5.54% |
Conventional | 1 | 0.7% | 100% | $45,000 | View |
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2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54% |
Conventional | 1 | 0.7% | 50% | $195,000 | View |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
Conventional | 1 | 0.7% | 100% | $435,000 | |
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710 N Van Dyke Rd, Bad Axe, MI 48413 A5.0 ★Texas Ratio: 8.18% |
Conventional | 1 | 0.7% | 100% | $265,000 | View |
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2151 W Stadium Blvd, Ann Arbor, MI 48103 4543 A+5.0 ★Texas Ratio: 3.99% |
HELOC | 0 +1 HELOCs |
0% | n/a | 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, FHA, VA | 20 | 14.6% | 80% | $173,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 9 | 6.6% | 90% | $303,888 | |
Mortgage 1 Incorporated
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Conventional | 3 | 2.2% | 100% | $248,333 | |
Michigan Mutual, Inc
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FHA | 2 | 1.5% | 100% | $170,000 | |
Gold Star Mortgage Financial Group, Corporation
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FHA | 1 | 0.7% | 100% | $225,000 | |
Success Mortgage Partners, Inc
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VA | 1 | 0.7% | 100% | $295,000 | |
GreenStone Farm Credit Services
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Conventional | 1 | 0.7% | 100% | $415,000 | |
Top Flite Financial, Inc.
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USDA | 1 | 0.7% | 100% | $125,000 | |
Msu Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Union Home Mortgage Corp.
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Conventional, FHA, HELOC | 14 +4 HELOCs |
10.2% | 93.3% | $156,428 | |
Mortgage Research Center
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Conventional, VA | 6 | 4.4% | 85.7% | $191,666 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 3 | 2.2% | 100% | $211,666 | |
Newrez LLC
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Conventional, FHA | 2 | 1.5% | 66.7% | $170,000 | |
CrossCountry Mortgage, LLC
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Conventional, VA | 2 | 1.5% | 100% | $225,000 | |
Amerisave Mortgage Company
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FHA | 2 | 1.5% | 66.7% | $105,000 | |
Calcon Mutual Mortgage LLC
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Conventional, FHA | 2 | 1.5% | 100% | $205,000 | |
Navy Federal Credit Union
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Conventional, VA | 2 | 1.5% | 100% | $175,000 | |
Carrington Mortgage Services LLC
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FHA, VA | 2 | 1.5% | 40% | $185,000 | |
The Loan Store, Inc
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Conventional, HELOC | 1 +1 HELOCs |
0.7% | 100% | $145,000 | |
Cornerstone First Mortgage, LLC
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VA | 1 | 0.7% | 100% | $235,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.7% | 100% | $345,000 | View |
Lakeview Loan Servicing, LLC
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FHA | 1 | 0.7% | 100% | $125,000 | |
Freedom Mortgage Corporation
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VA | 1 | 0.7% | 100% | $245,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.7% | 100% | $315,000 | |
AdvantageFirst Lending Inc
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FHA | 1 | 0.7% | 100% | $175,000 | |
Mortgage300 Corporation
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VA | 1 | 0.7% | 100% | $185,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 1 | 0.7% | 100% | $205,000 | View |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.7% | 50% | $225,000 | View |
Zillow Home Loans, LLC
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FHA | 1 | 0.7% | 50% | $195,000 | |
Mutual of Omaha Mortgage
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FHA | 1 | 0.7% | 100% | $255,000 | |
Spring Eq, LLC
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Conventional | 1 | 0.7% | 100% | $55,000 | |
Goodleap, 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 |
Grayling 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 Grayling, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Grayling? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Grayling in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Grayling, MI
Use these to narrow the list above. Each category shows how many Grayling, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Grayling, MI
Independent mortgage companies closed 60.6 percent of home loans in Grayling, Michigan in 2025, banks 23.4 percent and credit unions 16.1 percent. Member First Mortgage, LLC was the largest mortgage company, Huntington National Bank the largest bank and North Central Area Credit Union the largest credit union. Among lenders headquartered in Michigan, North Central Area Credit Union led with 9 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 Grayling, MI
By home loans closed in 2025, Huntington National Bank was the largest mortgage lender in Grayling, Michigan with 11 loans, about 8 percent of the market. The largest lender headquartered in Michigan was North Central Area Credit Union with 9 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
20 lenders closed FHA loans in Grayling, Michigan in 2025, led by Rocket Mortgage with 5. 13 lenders closed VA loans, led by Mortgage Research Center, and 1 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. 13 banks and 11 credit unions closed home loans in Grayling, Michigan in 2025, alongside 28 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 Grayling, 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 Grayling, 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 Grayling. 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.
