Mortgage Lenders and Brokers in Hesperia, 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
Hesperia, Michigan mortgage lenders include The Shelby State BankThe Shelby State Bank180 N Division Ave, Hesperia, MI 49421A+5.0 ★Texas Ratio: 0.91%, Gerber Federal Credit UnionGerber Federal Credit Union508 State St, Fremont, MI 49412A+5.0 ★Texas Ratio: 4.59%, Lake Michigan Credit UnionLake Michigan Credit Union496 Ada Dr SE STE 103, Ada, MI 49301, Fifth Third Bank, National AssociationFifth Third Bank, National Association475 Ada Drive, Ada Township, MI 49301A+5.0 ★Texas Ratio: 3.22%, Huntington National BankHuntington National Bank202 W Maumee St, Adrian, MI 49221A+5.0 ★Texas Ratio: 3.66%, ChoiceOne BankChoiceOne Bank5515 Van Dyke Rd, Almont, MI 48003A+5.0 ★Texas Ratio: 5.45%, Compass Credit UnionCompass Credit Union115 S Stone Rd, Fremont, MI 49412A+5.0 ★Texas Ratio: 2.43%, Flagstar Bank NAFlagstar Bank NA3233 Fairlane Dr, Allen Park, MI 48101D3.3 ★Texas Ratio: 35.11%, West Shore BankWest Shore Bank501 Main St, Frankfort, MI 49635A5.0 ★Texas Ratio: 10.41%, and Member First Mortgage, LLCMember First Mortgage, LLC650 W 5th St, Clare, MI 48617. 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 Hesperia, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Hesperia 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 Hesperia, Michigan
Market share is the lender's share of all home loans closed in Hesperia, 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 Hesperia 180 N Division Ave, Hesperia, MI 49421 A+5.0 ★Texas Ratio: 0.91% |
Conventional, Jumbo | 4 | 2% | 66.7% | $1,017,500 | View |
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508 State St, Fremont, MI 49412 A+5.0 ★Texas Ratio: 4.59% |
Conventional | 33 | 16.5% | 86.8% | $114,393 | View |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
Conventional, FHA, VA, HELOC | 20 +3 HELOCs |
10% | 87% | $200,000 | |
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475 Ada Drive, Ada Township, MI 49301 A+5.0 ★Texas Ratio: 3.22% |
Conventional, FHA, HELOC | 8 +1 HELOCs |
4% | 72.7% | $123,750 | View |
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202 W Maumee St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 3.66% |
Conventional, VA, HELOC | 7 +5 HELOCs |
3.5% | 87.5% | $180,714 | View |
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5515 Van Dyke Rd, Almont, MI 48003 A+5.0 ★Texas Ratio: 5.45% |
Conventional | 7 | 3.5% | 77.8% | $176,428 | View |
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115 S Stone Rd, Fremont, MI 49412 A+5.0 ★Texas Ratio: 2.43% |
Conventional, HELOC | 3 +2 HELOCs |
1.5% | 100% | $65,000 | View |
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3233 Fairlane Dr, Allen Park, MI 48101 D3.3 ★Texas Ratio: 35.11% |
Conventional, HELOC | 2 +1 HELOCs |
1% | 100% | $495,000 | View |
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501 Main St, Frankfort, MI 49635 A5.0 ★Texas Ratio: 10.41% |
Conventional | 2 | 1% | 66.7% | $105,000 | View |
Member First Mortgage, LLC
650 W 5th St, Clare, MI 48617 |
Conventional | 2 | 1% | 66.7% | $140,000 | |
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1004 W Midland Rd, Auburn, MI 48611 A5.0 ★Texas Ratio: 6.46% |
Conventional, HELOC | 1 +2 HELOCs |
0.5% | 100% | $205,000 | View |
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230 Woodworth Ave, Alma, MI 48801 A+5.0 ★Texas Ratio: 0.63% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $265,000 | View |
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1026 W Midland Rd, AUBURN, MI 48611 A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.5% | 100% | $265,000 | View |
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2469 Cedar Street, Delhi Township, MI 48842 A-4.9 ★Texas Ratio: 16.59% |
Conventional | 1 | 0.5% | 100% | $255,000 | View |
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715 Terrace St, Muskegon, MI 49440 A+5.0 ★Texas Ratio: 1.80% |
Conventional | 1 | 0.5% | 100% | $25,000 | View |
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7473 Storey Rd, Belding, MI 48809 9360 A+5.0 ★Texas Ratio: 1.25% |
Conventional | 1 | 0.5% | 100% | $155,000 | View |
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39440 W 14 Mile Rd, Commerce Township, MI 48390 3907 A+5.0 ★Texas Ratio: 5.61% |
Conventional | 1 | 0.5% | 100% | $75,000 | View |
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523 Ada Dr Se, Ada, MI 49301 A5.0 ★Texas Ratio: 10.25% |
Conventional | 1 | 0.5% | 100% | $235,000 | View |
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301 N State St, Alma, MI 48801 A+5.0 ★Texas Ratio: 2.37% |
Conventional | 1 | 0.5% | 100% | $305,000 | View |
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2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54% |
Conventional | 1 | 0.5% | 100% | $195,000 | View |
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34100 Woodward Ave, Birmingham, MI 48009 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.5% | 50% | $215,000 | View |
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7558 N Alger Rd, Alma, MI 48801 A+5.0 ★Texas Ratio: 4.80% |
Conventional | 1 | 0.5% | 100% | $95,000 | View |
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2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54% |
FHA | 1 | 0.5% | 100% | $445,000 | View |
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2910 Carpenter Rd, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 1.86% |
Conventional | 1 | 0.5% | 100% | $345,000 | View |
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1309 N Lincoln St, Bay City, MI 48708 6172 A5.0 ★Texas Ratio: 6.23% |
Conventional | 1 | 0.5% | 100% | $295,000 | View |
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144 W Huron Rd, Au Gres, MI 48703 A+5.0 ★Texas Ratio: 4.40% |
Conventional | 1 | 0.5% | 100% | $95,000 | View |
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1888 E Sherman Blvd, Muskegon, MI 49444 1822 A5.0 ★Texas Ratio: 8.29% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
United Wholesale Mortgage
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Conventional, FHA, VA | 11 | 5.5% | 100% | $286,818 | |
Mortgage 1 Incorporated
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Conventional, FHA, VA | 11 | 5.5% | 100% | $241,363 | |
Rocket Mortgage
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Conventional, FHA, VA | 9 | 4.5% | 60% | $256,111 | |
GreenStone Farm Credit Services
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Conventional | 4 | 2% | 100% | $262,500 | |
VanDyk Mortgage Corporation
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Conventional, FHA | 3 | 1.5% | 100% | $295,000 | |
Northern Mortgage Services, LLC
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Conventional | 1 | 0.5% | 100% | $245,000 | |
Michigan Mutual, Inc
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Conventional | 1 | 0.5% | 100% | $285,000 | |
Success Mortgage Partners, Inc
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Conventional | 1 | 0.5% | 100% | $165,000 | |
MMS Mortgage Services, Ltd.
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Conventional | 1 | 0.5% | 100% | $165,000 | |
Top Flite Financial, Inc.
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FHA | 1 | 0.5% | 100% | $155,000 | |
Msu Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Mortgage Research Center
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VA | 7 | 3.5% | 87.5% | $269,285 | |
Freedom Mortgage Corporation
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VA | 3 | 1.5% | 100% | $258,333 | |
Newrez LLC
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Conventional | 3 | 1.5% | 100% | $148,333 | |
CrossCountry Mortgage, LLC
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Conventional, VA | 3 | 1.5% | 100% | $305,000 | |
Pennymac Loan Services LLC
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VA | 3 | 1.5% | 100% | $285,000 | |
Guild Mortgage Company
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Conventional | 3 | 1.5% | 100% | $215,000 | |
loanDepot.com LLC
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Conventional, VA | 2 | 1% | 100% | $260,000 | |
Union Home Mortgage Corp.
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Conventional | 2 | 1% | 100% | $395,000 | |
Churchill Mortgage Corporation
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Conventional, FHA | 2 | 1% | 100% | $130,000 | |
American Pacific Mortgage Corporation
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Conventional, FHA | 2 | 1% | 100% | $140,000 | |
Leaderone Financial Corp.
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FHA | 2 | 1% | 100% | $255,000 | |
Ruoff Mortgage Company
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Conventional | 1 | 0.5% | 100% | $145,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.5% | 100% | $195,000 | View |
Gvc Mortgage, Inc.
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Conventional | 1 | 0.5% | 100% | $105,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.5% | 100% | $515,000 | |
Loanunited.Com, LLC
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FHA | 1 | 0.5% | 100% | $85,000 | |
Filo Mortgage, LLC
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Conventional | 1 | 0.5% | 100% | $225,000 | |
Amerisave Mortgage Company
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FHA | 1 | 0.5% | 100% | $95,000 | |
Sun West Mortgage Company, Inc
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FHA | 1 | 0.5% | 100% | $85,000 | |
New Day Financial, LLC.
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VA | 1 | 0.5% | 50% | $385,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.5% | 100% | $495,000 | View |
Nations Lending Corporation
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VA | 1 | 0.5% | 100% | $255,000 | |
Milend, Inc
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Conventional | 1 | 0.5% | 100% | $145,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.5% | 100% | $55,000 | |
Prosperity Home Mortgage, LLC
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VA | 1 | 0.5% | 50% | $585,000 | |
New American Funding, LLC.
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FHA | 1 | 0.5% | 100% | $155,000 | |
Navy Federal Credit Union
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Conventional | 1 | 0.5% | 100% | $45,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional | 1 | 0.5% | 100% | $205,000 | View |
21St Mortgage
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Conventional | 1 | 0.5% | 50% | $65,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.5% | 25% | $85,000 | |
Tomo Mortgage LLC
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Conventional | 1 | 0.5% | 100% | $115,000 | |
Village Capital & Investment
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VA | 1 | 0.5% | 66.7% | $175,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Alliant Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Hesperia 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 Hesperia, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Hesperia? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Hesperia in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Hesperia, MI
Use these to narrow the list above. Each category shows how many Hesperia, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Hesperia, MI
Independent mortgage companies closed 47.5 percent of home loans in Hesperia, Michigan in 2025, banks 20 percent and credit unions 32.5 percent. Member First Mortgage, LLC was the largest mortgage company, The Shelby State Bank the largest bank and Gerber Federal Credit Union the largest credit union. Among lenders headquartered in Michigan, The Shelby State Bank led with 4 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 Hesperia, MI
By home loans closed in 2025, The Shelby State Bank was the largest mortgage lender in Hesperia, Michigan with 4 loans, about 2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
16 lenders closed FHA loans in Hesperia, Michigan in 2025, led by United Wholesale Mortgage with 2. 15 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. 16 banks and 15 credit unions closed home loans in Hesperia, Michigan in 2025, alongside 41 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 Hesperia, 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 Hesperia, 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 Hesperia. 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.
