Mortgage Lenders and Brokers in Imlay 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
Imlay City, Michigan mortgage lenders include Huntington National BankHuntington National Bank715 S Cedar St, Imlay City, MI 48444A+5.0 ★Texas Ratio: 3.66%, Tri-County BankTri-County Bank6730 Newark Rd, Imlay City, MI 48444A5.0 ★Texas Ratio: 8.17%, PNC Bank N.A.PNC Bank N.A.433 E Capac Rd, Imlay City, MI 48444A+5.0 ★Texas Ratio: 4.24%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA455 Ada Dr Se, Ada, MI 49301A+5.0 ★Texas Ratio: 3.68%, Security Credit UnionSecurity Credit Union337 E 1st St, Imlay City, MI 48444A+5.0 ★Texas Ratio: 5.96%, Michigan Schools and GovernmenMichigan Schools and Governmen2151 W Stadium Blvd, Ann Arbor, MI 48103 4543A+5.0 ★Texas Ratio: 3.99%, Flagstar Bank NAFlagstar Bank NA3233 Fairlane Dr, Allen Park, MI 48101D3.3 ★Texas Ratio: 35.11%, Dart BankDart Bank2469 Cedar Street, Delhi Township, MI 48842A-4.9 ★Texas Ratio: 16.59%, Sovita Credit UnionSovita Credit Union5399 E Court St N, Burton, MI 48509A+5.0 ★Texas Ratio: 0.45%, and ELGA Credit UnionELGA Credit Union1479 Straits Dr, Bay City, MI 48706A+5.0 ★Texas Ratio: 4.72%. 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 Imlay City, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Imlay 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 Imlay City, Michigan
Market share is the lender's share of all home loans closed in Imlay 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 Imlay City 715 S Cedar St, Imlay City, MI 48444 A+5.0 ★Texas Ratio: 3.66% |
Conventional, VA, HELOC | 3 +1 HELOCs |
5.7% | 75% | $208,333 | View |
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1 office in Imlay City 6730 Newark Rd, Imlay City, MI 48444 A5.0 ★Texas Ratio: 8.17% |
Conventional | 1 | 1.9% | 100% | $95,000 | View |
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★ 1.7 stars, 3 reviews 1 office in Imlay City 433 E Capac Rd, Imlay City, MI 48444 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +12 HELOCs |
0% | n/a | View | |
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455 Ada Dr Se, Ada, MI 49301 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 2 +1 HELOCs |
3.8% | 100% | $135,000 | View |
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337 E 1st St, Imlay City, MI 48444 A+5.0 ★Texas Ratio: 5.96% |
Conventional | 2 | 3.8% | 100% | $30,000 | View |
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2151 W Stadium Blvd, Ann Arbor, MI 48103 4543 A+5.0 ★Texas Ratio: 3.99% |
Conventional | 1 | 1.9% | 100% | $265,000 | View |
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3233 Fairlane Dr, Allen Park, MI 48101 D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 1.9% | 50% | $75,000 | View |
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2469 Cedar Street, Delhi Township, MI 48842 A-4.9 ★Texas Ratio: 16.59% |
Conventional | 1 | 1.9% | 100% | $185,000 | View |
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5399 E Court St N, Burton, MI 48509 A+5.0 ★Texas Ratio: 0.45% |
Conventional | 1 | 1.9% | 100% | $45,000 | View |
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1479 Straits Dr, Bay City, MI 48706 A+5.0 ★Texas Ratio: 4.72% |
Conventional | 1 | 1.9% | 100% | $105,000 | View |
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2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54% |
Conventional | 1 | 1.9% | 100% | $215,000 | View |
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201 S Superior Ave, Baraga, MI 49908 A+5.0 ★Texas Ratio: 4.32% |
Conventional | 1 | 1.9% | 100% | $125,000 | View |
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499 BRICK ST, BAD AXE, MI 48413 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 1.9% | 100% | $75,000 | 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 | |
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2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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475 Ada Drive, Ada Township, MI 49301 A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
United Wholesale Mortgage
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Conventional, VA | 10 | 18.9% | 100% | $215,000 | |
Rocket Mortgage
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Conventional | 3 | 5.7% | 60% | $178,333 | |
Legacy Mortgage
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FHA | 1 | 1.9% | 100% | $175,000 | |
Michigan Mutual, Inc
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Conventional | 1 | 1.9% | 100% | $185,000 | |
Ccf - Auburn Hills Branch
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Conventional | 1 | 1.9% | 100% | $65,000 | |
Staunton Financial Inc
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Conventional | 1 | 1.9% | 100% | $215,000 | |
Freedom Mortgage Corporation
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VA | 4 | 7.5% | 100% | $215,000 | |
Guaranteed Rate, Inc.
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Conventional, USDA | 2 | 3.8% | 100% | $215,000 | |
Mortgage300 Corporation
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Conventional | 2 | 3.8% | 100% | $140,000 | |
Mortgage Research Center
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VA | 2 | 3.8% | 100% | $200,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 1.9% | 100% | $235,000 | |
loanDepot.com LLC
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Conventional | 1 | 1.9% | 50% | $105,000 | |
American Financial Network, Inc.
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FHA | 1 | 1.9% | 100% | $155,000 | |
Cmg Mortgage Inc
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FHA | 1 | 1.9% | 100% | $165,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 1.9% | 100% | $105,000 | |
Provident Funding Associates
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Conventional | 1 | 1.9% | 100% | $215,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 1.9% | 100% | $165,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 1.9% | 100% | $205,000 | |
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A5.0 ★Texas Ratio: 10.77% |
Conventional | 1 | 1.9% | 100% | $155,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 1.9% | 100% | $65,000 | View |
Imlay 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 Imlay City, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Imlay City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Imlay City in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Imlay City, MI
Use these to narrow the list above. Each category shows how many Imlay City, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Imlay City, MI
Independent mortgage companies closed 66 percent of home loans in Imlay City, Michigan in 2025, banks 20.8 percent and credit unions 13.2 percent. Towne Mortgage Company was the largest mortgage company, Huntington National Bank the largest bank and Security Credit Union the largest credit union. Among lenders headquartered in Michigan, Tri-County Bank 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 Imlay City, MI
By home loans closed in 2025, Huntington National Bank was the largest mortgage lender in Imlay City, Michigan with 3 loans, about 5.7 percent of the market. The largest lender headquartered in Michigan was Tri-County Bank with 1 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
3 lenders closed FHA loans in Imlay City, Michigan in 2025, led by Legacy Mortgage with 1. 4 lenders closed VA loans, led by Freedom Mortgage Corporation, 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. 11 banks and 7 credit unions closed home loans in Imlay City, Michigan in 2025, alongside 18 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 Imlay 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 Imlay 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 Imlay 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.
