Mortgage Lenders and Brokers in Howard City, 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
Howard City, Michigan mortgage lenders include Independent BankIndependent Bank720 W Shaw St, Howard City, MI 49329A5.0 ★Texas Ratio: 6.46%, Mercantile BankMercantile Bank830 W Shaw St, Howard City, MI 49329A+5.0 ★Texas Ratio: 0.63%, Lake Michigan Credit UnionLake Michigan Credit Union496 Ada Dr SE STE 103, Ada, MI 49301, Huntington National BankHuntington National Bank202 W Maumee St, Adrian, MI 49221A+5.0 ★Texas Ratio: 3.66%, Fifth Third Bank, National AssociationFifth Third Bank, National Association475 Ada Drive, Ada Township, MI 49301A+5.0 ★Texas Ratio: 3.22%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA455 Ada Dr Se, Ada, MI 49301A+5.0 ★Texas Ratio: 3.68%, Preferred Credit UnionPreferred Credit Union7473 Storey Rd, Belding, MI 48809 9360A+5.0 ★Texas Ratio: 1.25%, Gerber Federal Credit UnionGerber Federal Credit Union508 State St, Fremont, MI 49412A+5.0 ★Texas Ratio: 4.59%, Adventure Credit UnionAdventure Credit Union14049 Lindsey Pvt Ln, Dewitt, MI 48820A+5.0 ★Texas Ratio: 4.17%, and Northpointe BankNorthpointe Bank3333 Deposit Dr Ne, Grand Rapids, MI 49546A5.0 ★Texas Ratio: 8.47%. 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 Howard City, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Howard City 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 Howard City, Michigan
Market share is the lender's share of all home loans closed in Howard City, 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 Howard City 720 W Shaw St, Howard City, MI 49329 A5.0 ★Texas Ratio: 6.46% |
Conventional, HELOC | 5 +6 HELOCs |
3.7% | 100% | $141,000 | View |
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1 office in Howard City 830 W Shaw St, Howard City, MI 49329 A+5.0 ★Texas Ratio: 0.63% |
Conventional, HELOC | 1 +2 HELOCs |
0.7% | 100% | $225,000 | View |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
Conventional, HELOC | 16 +6 HELOCs |
11.9% | 100% | $299,375 | |
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202 W Maumee St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, HELOC | 2 +3 HELOCs |
1.5% | 66.7% | $160,000 | View |
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475 Ada Drive, Ada Township, MI 49301 A+5.0 ★Texas Ratio: 3.22% |
FHA, VA, HELOC | 2 +1 HELOCs |
1.5% | 100% | $180,000 | View |
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455 Ada Dr Se, Ada, MI 49301 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 1.5% | 100% | $220,000 | View |
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7473 Storey Rd, Belding, MI 48809 9360 A+5.0 ★Texas Ratio: 1.25% |
Conventional | 2 | 1.5% | 100% | $120,000 | View |
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508 State St, Fremont, MI 49412 A+5.0 ★Texas Ratio: 4.59% |
Conventional | 2 | 1.5% | 100% | $70,000 | View |
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14049 Lindsey Pvt Ln, Dewitt, MI 48820 A+5.0 ★Texas Ratio: 4.17% |
Conventional, HELOC | 1 +2 HELOCs |
0.7% | 100% | $125,000 | View |
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3333 Deposit Dr Ne, Grand Rapids, MI 49546 A5.0 ★Texas Ratio: 8.47% |
Conventional, HELOC | 1 +1 HELOCs |
0.7% | 100% | $445,000 | View |
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9265 Cherry Valley Ave Se, Caledonia, MI 49316 A+5.0 ★Texas Ratio: 0.33% |
Conventional | 1 | 0.7% | 100% | $135,000 | View |
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1422 S Winter St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 4.98% |
Conventional | 1 | 0.7% | 100% | $225,000 | View |
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904 Broadway Ave NW, Grand Rapids, MI 49504 4415 A+5.0 ★Texas Ratio: 0.81% |
Conventional | 1 | 0.7% | 100% | $65,000 | View |
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20645 Gibraltar Rd, Brownstown Twp, MI 48183 A+5.0 ★Texas Ratio: 4.92% |
Conventional | 1 | 0.7% | 100% | $215,000 | View |
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1253 Lincoln Rd, Allegan, MI 49010 A+5.0 ★Texas Ratio: 5.27% |
Conventional | 1 | 0.7% | 100% | $465,000 | View |
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13819 White Creek Ave NE, Cedar Springs, MI 49319 A+5.0 ★Texas Ratio: 2.03% |
Conventional | 1 | 0.7% | 50% | $145,000 | View |
Wmcu
825 Division St, Big Rapids, MI 49307 2229 |
Conventional | 1 | 0.7% | 100% | $55,000 | |
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6081 B Dr N, Battle Creek, MI 49014 8367 A+5.0 ★Texas Ratio: 3.56% |
Conventional | 1 | 0.7% | 100% | $345,000 | View |
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8301 Byron Center Ave Sw, Byron Center, MI 49315 A+5.0 ★Texas Ratio: 0.48% |
Conventional | 1 | 0.7% | 50% | $235,000 | View |
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34100 Woodward Ave, Birmingham, MI 48009 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.7% | 100% | $115,000 | View |
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2936 Wilder Rd, Bay City, MI 48706 A+5.0 ★Texas Ratio: 3.16% |
Conventional | 1 | 0.7% | 100% | $195,000 | View |
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240 E Northern Ave, Barryton, MI 49305 A+5.0 ★Texas Ratio: 4.10% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Rocket Mortgage
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Conventional, FHA, VA | 12 | 9% | 80% | $193,333 | |
United Wholesale Mortgage
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Conventional, FHA, VA, USDA | 9 | 6.7% | 90.9% | $225,000 | |
VanDyk Mortgage Corporation
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Conventional, FHA | 3 | 2.2% | 75% | $198,333 | |
Legacy Mortgage
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FHA | 2 | 1.5% | 100% | $265,000 | |
GreenStone Farm Credit Services
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Conventional | 2 | 1.5% | 100% | $260,000 | |
MMS Mortgage Services, Ltd.
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Conventional | 2 | 1.5% | 100% | $220,000 | |
Northern Mortgage Services, LLC
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FHA | 1 | 0.7% | 100% | $245,000 | |
Community First Federal Credit
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Conventional | 1 | 0.7% | 100% | $25,000 | |
Mortgage 1 Incorporated
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Conventional | 1 | 0.7% | 100% | $285,000 | |
Success Mortgage Partners, Inc
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FHA | 1 | 0.7% | 100% | $195,000 | |
Msu Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | 100% | ||
American Pacific Mortgage Corporation
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Conventional, FHA, USDA | 8 | 6% | 100% | $167,500 | |
Zippy Loans, LLC
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Conventional | 5 | 3.7% | 41.7% | $29,000 | |
Triad Financial Services, Inc.
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Conventional | 4 | 3% | 66.7% | $40,000 | |
Newrez LLC
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Conventional, FHA, USDA | 3 | 2.2% | 100% | $198,333 | |
Union Home Mortgage Corp.
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Conventional | 3 | 2.2% | 100% | $285,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional, FHA | 2 | 1.5% | 100% | $250,000 | View |
American Financial Resources LLC
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Conventional, FHA | 2 | 1.5% | 100% | $175,000 | |
Freedom Mortgage Corporation
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Conventional | 2 | 1.5% | 100% | $225,000 | |
loanDepot.com LLC
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FHA | 2 | 1.5% | 100% | $215,000 | |
Churchill Mortgage Corporation
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Conventional | 2 | 1.5% | 100% | $130,000 | |
Nationstar Mortgage
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Conventional | 2 | 1.5% | 100% | $235,000 | |
Mortgage Research Center
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VA | 2 | 1.5% | 100% | $245,000 | |
Fairway Independent Mort Corp
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Conventional | 2 | 1.5% | 100% | $255,000 | |
21St Mortgage
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Conventional | 2 | 1.5% | 40% | $40,000 | |
Ark-La-Tex Financial Services LLC
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Conventional, FHA | 2 | 1.5% | 100% | $195,000 | |
Cornerstone First Mortgage, LLC
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Conventional | 1 | 0.7% | 100% | $185,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 0.7% | 100% | $285,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.7% | 100% | $265,000 | View |
Canopy Mortgage, LLC
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USDA | 1 | 0.7% | 100% | $205,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 0.7% | 100% | $245,000 | |
Loanunited.Com, LLC
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FHA | 1 | 0.7% | 100% | $195,000 | |
Guild Mortgage Company
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FHA | 1 | 0.7% | 100% | $245,000 | |
Baxter Credit Union
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Conventional | 1 | 0.7% | 100% | $35,000 | |
Milend, Inc
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FHA | 1 | 0.7% | 100% | $225,000 | |
Notre Dame Federal Credit Union
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Conventional | 1 | 0.7% | 100% | $305,000 | |
Angel Oak Mortgage Solutions LLC
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Conventional | 1 | 0.7% | 100% | $155,000 | |
Carrington Mortgage Services LLC
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FHA | 1 | 0.7% | 50% | $215,000 | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a |
Howard City 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 Howard City, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Howard City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Howard City in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Howard City, MI
Use these to narrow the list above. Each category shows how many Howard City, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Howard City, MI
Independent mortgage companies closed 61.9 percent of home loans in Howard City, Michigan in 2025, banks 14.9 percent and credit unions 23.1 percent. Rocket Mortgage was the largest mortgage company, Independent Bank the largest bank and Lake Michigan Credit Union the largest credit union. Among lenders headquartered in Michigan, Independent Bank led with 5 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 Howard City, MI
By home loans closed in 2025, Independent Bank was the largest mortgage lender in Howard City, Michigan with 5 loans, about 3.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
18 lenders closed FHA loans in Howard City, Michigan in 2025, led by United Wholesale Mortgage with 5. 4 lenders closed VA loans, led by Rocket Mortgage, and 4 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 15 credit unions closed home loans in Howard City, Michigan in 2025, alongside 34 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 Howard City, 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 Howard City, 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 Howard City. 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.
