Mortgage Lenders and Brokers in Hillsdale, 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
Hillsdale, Michigan mortgage lenders include Southern Michigan Bank & TrustSouthern Michigan Bank & Trust10 E Carleton Rd, Hillsdale, MI 49242A5.0 ★Texas Ratio: 8.82%, County National BankCounty National Bank1 S Howell St, Hillsdale, MI 49242B-4.3 ★Texas Ratio: 23.94%, Fifth Third Bank, National AssociationFifth Third Bank, National Association10 S Broad St, Hillsdale, MI 49242A+5.0 ★Texas Ratio: 3.22%, Flagstar Bank NAFlagstar Bank NA50 S Howell St, Hillsdale, MI 49242D3.3 ★Texas Ratio: 35.11%, Community Choice Credit UnionCommunity Choice Credit Union412 W Carleton Rd, Hillsdale, MI 49242 1354A+5.0 ★Texas Ratio: 5.61%, Honor Credit UnionHonor Credit Union1253 Lincoln Rd, Allegan, MI 49010A+5.0 ★Texas Ratio: 5.27%, Consumers Credit UnionConsumers Credit Union6081 B Dr N, Battle Creek, MI 49014 8367A+5.0 ★Texas Ratio: 3.56%, Old National BankOld National Bank1422 S Winter St, Adrian, MI 49221A+5.0 ★Texas Ratio: 4.98%, Huntington National BankHuntington National Bank202 W Maumee St, Adrian, MI 49221A+5.0 ★Texas Ratio: 3.66%, and Michigan Schools and GovernmenMichigan Schools and Governmen2151 W Stadium Blvd, Ann Arbor, MI 48103 4543A+5.0 ★Texas Ratio: 3.99%. 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 Hillsdale, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Hillsdale 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 Hillsdale, Michigan
Market share is the lender's share of all home loans closed in Hillsdale, 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 Hillsdale 10 E Carleton Rd, Hillsdale, MI 49242 A5.0 ★Texas Ratio: 8.82% |
Conventional | 27 | 16% | 89.2% | $176,481 | View |
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1 office in Hillsdale 1 S Howell St, Hillsdale, MI 49242 B-4.3 ★Texas Ratio: 23.94% |
Conventional | 19 | 11.2% | 90.9% | $187,631 | View |
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1 office in Hillsdale 10 S Broad St, Hillsdale, MI 49242 A+5.0 ★Texas Ratio: 3.22% |
Conventional, VA, HELOC | 3 +8 HELOCs |
1.8% | 100% | $145,000 | View |
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1 office in Hillsdale 50 S Howell St, Hillsdale, MI 49242 D3.3 ★Texas Ratio: 35.11% |
Conventional | 2 | 1.2% | 33.3% | $150,000 | View |
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412 W Carleton Rd, Hillsdale, MI 49242 1354 A+5.0 ★Texas Ratio: 5.61% |
Conventional, HELOC | 11 +5 HELOCs |
6.5% | 84.6% | $45,000 | View |
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1253 Lincoln Rd, Allegan, MI 49010 A+5.0 ★Texas Ratio: 5.27% |
Conventional, HELOC | 2 +1 HELOCs |
1.2% | 66.7% | $140,000 | View |
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6081 B Dr N, Battle Creek, MI 49014 8367 A+5.0 ★Texas Ratio: 3.56% |
Conventional, HELOC | 2 +1 HELOCs |
1.2% | 66.7% | $300,000 | View |
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1422 S Winter St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 4.98% |
Conventional | 2 | 1.2% | 100% | $190,000 | View |
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202 W Maumee St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 3.66% |
Conventional, HELOC | 1 +3 HELOCs |
0.6% | 33.3% | $245,000 | View |
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2151 W Stadium Blvd, Ann Arbor, MI 48103 4543 A+5.0 ★Texas Ratio: 3.99% |
Conventional | 1 | 0.6% | 100% | $145,000 | View |
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300 N Main St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 3.87% |
Conventional | 1 | 0.6% | 100% | $125,000 | View |
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2469 Cedar Street, Delhi Township, MI 48842 A-4.9 ★Texas Ratio: 16.59% |
Conventional | 1 | 0.6% | 100% | $515,000 | View |
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41 2nd St, Battle Creek, MI 49014 6286 A+5.0 ★Texas Ratio: 1.68% |
Conventional | 1 | 0.6% | 100% | $75,000 | View |
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34100 Woodward Ave, Birmingham, MI 48009 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.6% | 100% | $85,000 | View |
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10 W Long Lake Rd, Bloomfield Hills, MI 48304 A4.7 ★Texas Ratio: 0.83% |
Conventional | 1 | 0.6% | 100% | $345,000 | View |
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2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54% |
Conventional | 1 | 0.6% | 100% | $265,000 | View |
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3030 S Adrian Hwy, Adrian, MI 49221 A+5.0 ★Texas Ratio: 0.45% |
Conventional | 1 | 0.6% | 50% | $75,000 | 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 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 15 | 8.9% | 84.2% | $222,333 | |
Rocket Mortgage
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Conventional, FHA | 14 | 8.3% | 73.7% | $133,571 | |
GreenStone Farm Credit Services
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Conventional | 5 | 3% | 100% | $237,000 | |
Gold Star Mortgage Financial Group, Corporation
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Conventional, VA | 3 | 1.8% | 100% | $161,666 | |
Mortgage Center LC
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Conventional | 1 | 0.6% | 100% | $135,000 | |
Top Flite Financial, Inc.
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Conventional | 1 | 0.6% | 100% | $165,000 | |
Union Home Mortgage Corp.
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Conventional, FHA, VA, USDA | 13 | 7.7% | 100% | $180,384 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 6 | 3.6% | 100% | $156,666 | |
Navy Federal Credit Union
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Conventional, HELOC | 3 +1 HELOCs |
1.8% | 75% | $131,666 | |
Gvc Mortgage, Inc.
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Conventional | 3 | 1.8% | 75% | $158,333 | |
Royal United Mortgage LLC
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Conventional | 2 | 1.2% | 100% | $60,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 2 | 1.2% | 66.7% | $325,000 | View |
JMAC Lending, Inc.
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Conventional, FHA | 2 | 1.2% | 100% | $155,000 | |
American Financial Resources LLC
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FHA | 1 | 0.6% | 100% | $145,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 0.6% | 100% | $195,000 | |
Nbkc Bank
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VA | 1 | 0.6% | 100% | $175,000 | |
Equity Prime Mortgage LLC
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USDA | 1 | 0.6% | 100% | $145,000 | |
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A5.0 ★Texas Ratio: 12.96% |
Conventional | 1 | 0.6% | 100% | $165,000 | View |
PHH Mortgage Corporation
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VA | 1 | 0.6% | 100% | $245,000 | |
Loanunited.Com, LLC
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FHA | 1 | 0.6% | 100% | $115,000 | |
Pennymac Loan Services LLC
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VA | 1 | 0.6% | 50% | $215,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.6% | 50% | $25,000 | |
The Farmers & Merchants State Bank
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Conventional | 1 | 0.6% | 100% | $255,000 | |
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A+5.0 ★Texas Ratio: 3.04% |
Conventional | 1 | 0.6% | 100% | $225,000 | View |
Click n' Close, Inc.
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Conventional | 1 | 0.6% | 100% | $405,000 | |
American Financing Corporation
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Conventional | 1 | 0.6% | 33.3% | $75,000 | |
New Day Financial, LLC.
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VA | 1 | 0.6% | 100% | $205,000 | |
Mortgage300 Corporation
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Conventional | 1 | 0.6% | 100% | $235,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 1 | 0.6% | 100% | $165,000 | View |
Union Savings Bank
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Conventional | 1 | 0.6% | 100% | $405,000 | |
Mortgage Research Center
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VA | 1 | 0.6% | 33.3% | $245,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.6% | 100% | $455,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.6% | 20% | $75,000 | |
Champions Funding, LLC
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Conventional | 1 | 0.6% | 100% | $575,000 | |
Village Capital & Investment
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VA | 1 | 0.6% | 100% | $175,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 1.99% |
HELOC | 0 +1 HELOCs |
0% | 0% | View |
Hillsdale 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 Hillsdale, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Hillsdale? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Hillsdale in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Hillsdale, MI
Use these to narrow the list above. Each category shows how many Hillsdale, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Hillsdale, MI
Independent mortgage companies closed 47.9 percent of home loans in Hillsdale, Michigan in 2025, banks 39.1 percent and credit unions 13 percent. Towne Mortgage Company was the largest mortgage company, Southern Michigan Bank & Trust the largest bank and Community Choice Credit Union the largest credit union. Among lenders headquartered in Michigan, Southern Michigan Bank & Trust led with 27 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 Hillsdale, MI
By home loans closed in 2025, Southern Michigan Bank & Trust was the largest mortgage lender in Hillsdale, Michigan with 27 loans, about 16 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
7 lenders closed FHA loans in Hillsdale, Michigan in 2025, led by Union Home Mortgage Corp. with 5. 11 lenders closed VA loans, led by United Wholesale Mortgage, and 2 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. 20 banks and 8 credit unions closed home loans in Hillsdale, Michigan in 2025, alongside 29 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 Hillsdale, 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 Hillsdale, 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 Hillsdale. 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.
