Mortgage Lenders and Brokers in Ionia, 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
Ionia, Michigan mortgage lenders include Independent BankIndependent Bank2551 S State Rd, Ionia, MI 48846A5.0 ★Texas Ratio: 6.46%, Mercantile BankMercantile Bank202 N Dexter St, Ionia, MI 48846A+5.0 ★Texas Ratio: 0.63%, Michigan One Community Credit UnionMichigan One Community Credit Union510 S Dexter St, Ionia, MI 48846A+5.0 ★Texas Ratio: 4.80%, PfcuPfcu4035 S State Rd, Ionia, MI 48846A+5.0 ★Texas Ratio: 2.00%, 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%, Consumers Credit UnionConsumers Credit Union6081 B Dr N, Battle Creek, MI 49014 8367A+5.0 ★Texas Ratio: 3.56%, Adventure Credit UnionAdventure Credit Union3062 S State Rd, Ionia, MI 48846A+5.0 ★Texas Ratio: 4.17%, Huntington National BankHuntington National Bank202 W Maumee St, Adrian, MI 49221A+5.0 ★Texas Ratio: 3.66%, 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 Ionia, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Ionia 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 Ionia, Michigan
Market share is the lender's share of all home loans closed in Ionia, 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 Ionia 2551 S State Rd, Ionia, MI 48846 A5.0 ★Texas Ratio: 6.46% |
Conventional, FHA, VA, HELOC | 21 +15 HELOCs |
5.8% | 91.3% | $228,333 | View |
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2 offices in Ionia 202 N Dexter St, Ionia, MI 48846 A+5.0 ★Texas Ratio: 0.63% |
Conventional, FHA, USDA, HELOC | 17 +8 HELOCs |
4.7% | 89.5% | $153,235 | View |
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510 S Dexter St, Ionia, MI 48846 A+5.0 ★Texas Ratio: 4.80% |
Conventional | 7 | 1.9% | 100% | $146,428 | View |
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4035 S State Rd, Ionia, MI 48846 A+5.0 ★Texas Ratio: 2.00% |
Conventional | 25 | 6.8% | 100% | $150,200 | View |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
Conventional, FHA, HELOC | 17 +6 HELOCs |
4.7% | 94.4% | $176,764 | |
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475 Ada Drive, Ada Township, MI 49301 A+5.0 ★Texas Ratio: 3.22% |
Conventional, FHA, USDA, HELOC | 9 +4 HELOCs |
2.5% | 75% | $163,888 | View |
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6081 B Dr N, Battle Creek, MI 49014 8367 A+5.0 ★Texas Ratio: 3.56% |
Conventional, HELOC | 6 +2 HELOCs |
1.6% | 85.7% | $138,333 | View |
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3062 S State Rd, Ionia, MI 48846 A+5.0 ★Texas Ratio: 4.17% |
Conventional | 6 | 1.6% | 66.7% | $141,666 | View |
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202 W Maumee St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, HELOC | 5 +6 HELOCs |
1.4% | 83.3% | $159,000 | View |
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3333 Deposit Dr Ne, Grand Rapids, MI 49546 A5.0 ★Texas Ratio: 8.47% |
Conventional, FHA, HELOC | 2 +1 HELOCs |
0.5% | 100% | $250,000 | View |
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455 Ada Dr Se, Ada, MI 49301 A+5.0 ★Texas Ratio: 3.68% |
Conventional, VA | 2 | 0.5% | 100% | $270,000 | View |
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2469 Cedar Street, Delhi Township, MI 48842 A-4.9 ★Texas Ratio: 16.59% |
Conventional, FHA | 2 | 0.5% | 100% | $175,000 | View |
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1157 Michigan Ave E, Battle Creek, MI 49014 6802 A5.0 ★Texas Ratio: 7.49% |
Conventional | 2 | 0.5% | 100% | $90,000 | View |
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2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54% |
Conventional, FHA | 2 | 0.5% | 100% | $95,000 | View |
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53950 Gratiot Ave, Chesterfield, MI 48051 A5.0 ★Texas Ratio: 6.84% |
FHA | 1 | 0.3% | 100% | $205,000 | View |
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3233 Fairlane Dr, Allen Park, MI 48101 D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.3% | 100% | $215,000 | View |
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20645 Gibraltar Rd, Brownstown Twp, MI 48183 A+5.0 ★Texas Ratio: 4.92% |
Conventional | 1 | 0.3% | 50% | $145,000 | View |
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7473 Storey Rd, Belding, MI 48809 9360 A+5.0 ★Texas Ratio: 1.25% |
Conventional | 1 | 0.3% | 100% | $35,000 | View |
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2400 West Rd, East Lansing, MI 48823 7347 A+5.0 ★Texas Ratio: 5.11% |
Conventional | 1 | 0.3% | 100% | $265,000 | View |
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★ 1 stars, 1 review 2222 Packard St, Ann Arbor, MI 48104 6368 A5.0 ★Texas Ratio: 6.91% |
Conventional | 1 | 0.3% | 100% | $205,000 | View |
Member First Mortgage, LLC
650 W 5th St, Clare, MI 48617 |
Conventional | 1 | 0.3% | 50% | $125,000 | |
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5515 Van Dyke Rd, Almont, MI 48003 A+5.0 ★Texas Ratio: 5.45% |
Conventional | 1 | 0.3% | 100% | $195,000 | View |
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1553 Lansing Rd, Charlotte, MI 48813 A+5.0 ★Texas Ratio: 1.86% |
Conventional | 1 | 0.3% | 100% | $15,000 | 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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395 Briarwood Cir, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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4555 W River Dr NE, Comstock Park, MI 49321 8928 A+5.0 ★Texas Ratio: 2.21% |
HELOC | 0 +1 HELOCs |
0% | n/a | 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 | |
Rocket Mortgage
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Conventional, FHA, VA | 27 | 7.4% | 82.4% | $178,333 | |
Mortgage 1 Incorporated
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Conventional, FHA | 18 | 4.9% | 100% | $188,888 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 16 | 4.4% | 88.9% | $208,125 | |
MMS Mortgage Services, Ltd.
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Conventional, FHA, VA | 11 | 3% | 100% | $176,818 | |
GreenStone Farm Credit Services
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Conventional, Jumbo | 9 | 2.5% | 100% | $452,777 | |
Success Mortgage Partners, Inc
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Conventional, FHA, USDA | 7 | 1.9% | 100% | $125,000 | |
Northern Mortgage Services, LLC
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Conventional | 4 | 1.1% | 100% | $255,000 | |
Legacy Mortgage
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Conventional, FHA, USDA | 4 | 1.1% | 100% | $152,500 | |
Msu Federal Credit Union
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Conventional, HELOC | 2 +1 HELOCs |
0.5% | 100% | $205,000 | |
VanDyk Mortgage Corporation
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Conventional | 2 | 0.5% | 100% | $225,000 | |
Top Flite Financial, Inc.
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FHA | 2 | 0.5% | 100% | $210,000 | |
Michigan Mutual, Inc
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FHA | 1 | 0.3% | 100% | $265,000 | |
Mortgage Center LC
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Conventional | 1 | 0.3% | 100% | $135,000 | |
21St Mortgage
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Conventional | 16 | 4.4% | 34% | $75,000 | |
Guild Mortgage Company
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Conventional, FHA | 12 | 3.3% | 100% | $119,166 | |
Triad Financial Services, Inc.
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Conventional | 10 | 2.7% | 65.4% | $79,000 | |
Zippy Loans, LLC
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Conventional | 8 | 2.2% | 47.1% | $62,500 | |
American Pacific Mortgage Corporation
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Conventional, FHA, VA | 8 | 2.2% | 100% | $221,250 | |
Mortgage Research Center
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VA | 8 | 2.2% | 80% | $275,000 | |
Newrez LLC
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Conventional, FHA, VA | 5 | 1.4% | 100% | $121,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 5 | 1.4% | 100% | $231,000 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 5 | 1.4% | 100% | $167,000 | |
Ark-La-Tex Financial Services LLC
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Conventional, FHA | 5 | 1.4% | 100% | $207,000 | |
Navy Federal Credit Union
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Conventional, VA, HELOC | 3 +1 HELOCs |
0.8% | 75% | $198,333 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional, VA | 3 | 0.8% | 100% | $168,333 | View |
Union Home Mortgage Corp.
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Conventional, FHA | 3 | 0.8% | 100% | $185,000 | |
Amerisave Mortgage Company
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Conventional, FHA, HELOC | 2 +1 HELOCs |
0.5% | 100% | $80,000 | |
EMM Loans LLC
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FHA, VA | 2 | 0.5% | 100% | $290,000 | |
American Financial Resources LLC
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Conventional, USDA | 2 | 0.5% | 100% | $140,000 | |
Freedom Mortgage Corporation
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FHA, VA | 2 | 0.5% | 66.7% | $275,000 | |
loanDepot.com LLC
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Conventional, FHA | 2 | 0.5% | 66.7% | $95,000 | |
PHH Mortgage Corporation
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Conventional, FHA | 2 | 0.5% | 100% | $175,000 | |
American Financial Network, Inc.
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Conventional, FHA | 2 | 0.5% | 100% | $100,000 | |
Churchill Mortgage Corporation
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Conventional | 2 | 0.5% | 100% | $190,000 | |
Planet Home Lending, LLC
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FHA, VA | 2 | 0.5% | 100% | $220,000 | |
T2 Financial LLC
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Conventional | 2 | 0.5% | 100% | $240,000 | |
Nationstar Mortgage
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Conventional, FHA | 2 | 0.5% | 100% | $145,000 | |
Carrington Mortgage Services LLC
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Conventional, FHA | 2 | 0.5% | 40% | $90,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.3% | 100% | $105,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.3% | 50% | $245,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.3% | 50% | $195,000 | |
PFN Lending Group, Inc.
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Conventional | 1 | 0.3% | 100% | $115,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.3% | 100% | $355,000 | View |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.3% | 100% | $325,000 | View |
Sierra Pacific Mortgage Co. Inc
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FHA | 1 | 0.3% | 100% | $135,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.3% | 100% | $265,000 | View |
New American Funding, LLC.
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FHA | 1 | 0.3% | 33.3% | $95,000 | |
Lower, LLC
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FHA | 1 | 0.3% | 100% | $145,000 | |
Fairway Independent Mort Corp
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FHA | 1 | 0.3% | 100% | $165,000 | |
Plaza Home Mortgage, Inc
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VA | 1 | 0.3% | 50% | $325,000 | |
The Mortgage Link, Inc.
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Conventional | 1 | 0.3% | 100% | $155,000 | |
JMAC Lending, Inc.
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FHA | 1 | 0.3% | 100% | $165,000 | |
Figure Lending LLC
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HELOC | 0 +5 HELOCs |
0% | n/a | ||
Spring Eq, LLC
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HELOC | 0 +2 HELOCs |
0% | 0% | ||
Farmers Insurance Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
HomeBridge Financial Services, Inc
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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 | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Ionia 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 Ionia, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Ionia? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Ionia in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Ionia, MI
Use these to narrow the list above. Each category shows how many Ionia, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Ionia, MI
Independent mortgage companies closed 61.6 percent of home loans in Ionia, Michigan in 2025, banks 18.1 percent and credit unions 20.3 percent. Towne Mortgage Company was the largest mortgage company, Independent Bank the largest bank and Michigan One Community Credit Union the largest credit union. Among lenders headquartered in Michigan, Independent Bank led with 21 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 Ionia, MI
By home loans closed in 2025, Independent Bank was the largest mortgage lender in Ionia, Michigan with 21 loans, about 5.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
39 lenders closed FHA loans in Ionia, Michigan in 2025, led by Rocket Mortgage with 8. 16 lenders closed VA loans, led by Mortgage Research Center, and 5 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. 17 banks and 16 credit unions closed home loans in Ionia, Michigan in 2025, alongside 52 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 Ionia, 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 Ionia, 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 Ionia. 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.
