Mortgage Lenders and Brokers in Ithaca, 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
Ithaca, Michigan mortgage lenders include Mercantile BankMercantile Bank219 E Center St, Ithaca, MI 48847A+5.0 ★Texas Ratio: 0.63%, Isabella BankIsabella Bank1402 E Center St, Ithaca, MI 48847A+5.0 ★Texas Ratio: 4.10%, Huntington National BankHuntington National Bank202 W Maumee St, Adrian, MI 49221A+5.0 ★Texas Ratio: 3.66%, Michigan Schools and GovernmenMichigan Schools and Governmen2151 W Stadium Blvd, Ann Arbor, MI 48103 4543A+5.0 ★Texas Ratio: 3.99%, Dow Credit UnionDow Credit Union600 E Lyon Rd, Midland, MI 48640 5396, Commercial BankCommercial Bank101 N Pine River St, Ithaca, MI 48847A+5.0 ★Texas Ratio: 2.37%, Lake Michigan Credit UnionLake Michigan Credit Union496 Ada Dr SE STE 103, Ada, MI 49301, Member First Mortgage, LLCMember First Mortgage, LLC650 W 5th St, Clare, MI 48617, Towne Mortgage CompanyTowne Mortgage Company2400 Green Rd, Ann Arbor, MI 48105 1550A+5.0 ★Texas Ratio: 2.54%, and Fifth Third Bank, National AssociationFifth Third Bank, National Association475 Ada Drive, Ada Township, MI 49301A+5.0 ★Texas Ratio: 3.22%. 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 Ithaca, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Ithaca 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 Ithaca, Michigan
Market share is the lender's share of all home loans closed in Ithaca, 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 Ithaca 219 E Center St, Ithaca, MI 48847 A+5.0 ★Texas Ratio: 0.63% |
Conventional, FHA, HELOC | 4 +2 HELOCs |
7% | 66.7% | $130,000 | View |
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1 office in Ithaca 1402 E Center St, Ithaca, MI 48847 A+5.0 ★Texas Ratio: 4.10% |
Conventional | 1 | 1.8% | 100% | $235,000 | View |
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202 W Maumee St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 3.66% |
Conventional, HELOC | 1 +1 HELOCs |
1.8% | 50% | $155,000 | View |
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2151 W Stadium Blvd, Ann Arbor, MI 48103 4543 A+5.0 ★Texas Ratio: 3.99% |
Conventional | 1 | 1.8% | 100% | $95,000 | View |
Dow Credit Union
600 E Lyon Rd, Midland, MI 48640 5396 |
Conventional | 1 | 1.8% | 100% | $95,000 | |
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101 N Pine River St, Ithaca, MI 48847 A+5.0 ★Texas Ratio: 2.37% |
Conventional | 1 | 1.8% | 100% | $105,000 | View |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
Conventional | 1 | 1.8% | 100% | $305,000 | |
Member First Mortgage, LLC
650 W 5th St, Clare, MI 48617 |
FHA | 1 | 1.8% | 100% | $145,000 | |
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2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54% |
USDA | 1 | 1.8% | 100% | $145,000 | View |
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475 Ada Drive, Ada Township, MI 49301 A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 1.8% | 100% | $225,000 | View |
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1553 Lansing Rd, Charlotte, MI 48813 A+5.0 ★Texas Ratio: 1.86% |
Conventional | 1 | 1.8% | 100% | $255,000 | View |
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125 S 5th Ave, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 1.88% |
Conventional | 1 | 1.8% | 100% | $115,000 | 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 | |
Rocket Mortgage
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Conventional, FHA, VA | 5 | 8.8% | 55.6% | $133,000 | |
United Wholesale Mortgage
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Conventional, FHA | 3 | 5.3% | 60% | $171,666 | |
Legacy Mortgage
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Conventional, FHA | 3 | 5.3% | 100% | $155,000 | |
Mortgage 1 Incorporated
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Conventional, FHA | 2 | 3.5% | 100% | $235,000 | |
MMS Mortgage Services, Ltd.
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FHA, VA | 2 | 3.5% | 100% | $160,000 | |
Msu Federal Credit Union
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Conventional | 1 | 1.8% | 100% | $245,000 | |
GreenStone Farm Credit Services
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Conventional | 1 | 1.8% | 100% | $135,000 | |
Staunton Financial Inc
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FHA | 1 | 1.8% | 100% | $145,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 8 | 14% | 100% | $181,250 | |
Union Home Mortgage Corp.
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Conventional, FHA, USDA | 4 | 7% | 100% | $145,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 2 | 3.5% | 100% | $160,000 | |
Navy Federal Credit Union
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VA | 2 | 3.5% | 100% | $330,000 | |
Newrez LLC
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Conventional | 1 | 1.8% | 100% | $55,000 | |
loanDepot.com LLC
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FHA | 1 | 1.8% | 100% | $155,000 | |
Pennymac Loan Services LLC
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VA | 1 | 1.8% | 100% | $165,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 1.8% | 100% | $25,000 | |
Guild Mortgage Company
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Conventional | 1 | 1.8% | 100% | $145,000 | |
Nationstar Mortgage
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Conventional | 1 | 1.8% | 100% | $65,000 | |
Fairway Independent Mort Corp
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FHA | 1 | 1.8% | 100% | $225,000 | |
Plaza Home Mortgage, Inc
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VA | 1 | 1.8% | 100% | $155,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Everence Federal Credit Union
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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 |
Ithaca 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 Ithaca, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Ithaca? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Ithaca in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Ithaca, MI
Use these to narrow the list above. Each category shows how many Ithaca, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Ithaca, MI
Independent mortgage companies closed 71.9 percent of home loans in Ithaca, Michigan in 2025, banks 15.8 percent and credit unions 12.3 percent. Member First Mortgage, LLC was the largest mortgage company, Mercantile Bank the largest bank and Michigan Schools and Governmen the largest credit union. Among lenders headquartered in Michigan, Mercantile 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 Ithaca, MI
By home loans closed in 2025, Mercantile Bank was the largest mortgage lender in Ithaca, Michigan with 4 loans, about 7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
13 lenders closed FHA loans in Ithaca, Michigan in 2025, led by CrossCountry Mortgage, LLC with 3. 6 lenders closed VA loans, led by CrossCountry Mortgage, LLC, 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. 8 banks and 7 credit unions closed home loans in Ithaca, Michigan in 2025, alongside 21 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 Ithaca, 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 Ithaca, 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 Ithaca. 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.
