Mortgage Lenders and Brokers in Kalkaska, 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
Kalkaska, Michigan mortgage lenders include Huntington National BankHuntington National Bank202 W Maumee St, Adrian, MI 49221A+5.0 ★Texas Ratio: 3.66%, 4Front Credit Union4Front Credit Union120 County Road 612 NE, Kalkaska, MI 49646 8576, State Savings BankState Savings Bank49 N Benzie Blvd, Beulah, MI 49617A+5.0 ★Texas Ratio: 1.81%, Credit Union OneCredit Union One2400 Green Rd, Ann Arbor, MI 48105 1550A+5.0 ★Texas Ratio: 2.54%, 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%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA455 Ada Dr Se, Ada, MI 49301A+5.0 ★Texas Ratio: 3.68%, Honor BankHonor Bank11926 Chippewa Hwy, Bear Lake, MI 49614A+5.0 ★Texas Ratio: 5.27%, Dart BankDart Bank2469 Cedar Street, Delhi Township, MI 48842A-4.9 ★Texas Ratio: 16.59%, and Genisys Credit UnionGenisys Credit Union2100 Executive Hills Dr, Auburn Hills, MI 48326 2947A+5.0 ★Texas Ratio: 5.37%. 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 Kalkaska, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Kalkaska 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 Kalkaska, Michigan
Market share is the lender's share of all home loans closed in Kalkaska, 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 Kalkaska 202 W Maumee St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 3.66% |
Conventional, VA, HELOC | 10 +11 HELOCs |
6.7% | 78.6% | $205,000 | View |
4Front Credit Union
120 County Road 612 NE, Kalkaska, MI 49646 8576 |
Conventional, HELOC | 5 +7 HELOCs |
3.3% | 83.3% | $81,000 | |
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49 N Benzie Blvd, Beulah, MI 49617 A+5.0 ★Texas Ratio: 1.81% |
Conventional | 4 | 2.7% | 100% | $172,500 | View |
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2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54% |
Conventional | 4 | 2.7% | 100% | $212,500 | View |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
Conventional, HELOC | 3 +2 HELOCs |
2% | 100% | $251,666 | |
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475 Ada Drive, Ada Township, MI 49301 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 3 +2 HELOCs |
2% | 75% | $215,000 | View |
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455 Ada Dr Se, Ada, MI 49301 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 3 | 2% | 100% | $91,666 | View |
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11926 Chippewa Hwy, Bear Lake, MI 49614 A+5.0 ★Texas Ratio: 5.27% |
Conventional | 2 | 1.3% | 100% | $190,000 | View |
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2469 Cedar Street, Delhi Township, MI 48842 A-4.9 ★Texas Ratio: 16.59% |
Conventional | 2 | 1.3% | 100% | $265,000 | View |
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2100 Executive Hills Dr, Auburn Hills, MI 48326 2947 A+5.0 ★Texas Ratio: 5.37% |
Conventional | 1 | 0.7% | 100% | $235,000 | View |
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501 Main St, Frankfort, MI 49635 A5.0 ★Texas Ratio: 10.41% |
Conventional | 1 | 0.7% | 100% | $235,000 | View |
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3233 Fairlane Dr, Allen Park, MI 48101 D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.7% | 100% | $195,000 | View |
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1479 Straits Dr, Bay City, MI 48706 A+5.0 ★Texas Ratio: 4.72% |
Conventional | 1 | 0.7% | 100% | $45,000 | View |
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3140 Ivanrest AVE SW, Grandville, MI 49418 A+5.0 ★Texas Ratio: 5.83% |
Conventional | 1 | 0.7% | 100% | $85,000 | View |
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14049 Lindsey Pvt Ln, Dewitt, MI 48820 A+5.0 ★Texas Ratio: 4.17% |
Conventional | 1 | 0.7% | 100% | $55,000 | View |
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1004 W Midland Rd, Auburn, MI 48611 A5.0 ★Texas Ratio: 6.46% |
Conventional | 1 | 0.7% | 100% | $135,000 | View |
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508 State St, Fremont, MI 49412 A+5.0 ★Texas Ratio: 4.59% |
Conventional | 1 | 0.7% | 100% | $305,000 | View |
Member First Mortgage, LLC
650 W 5th St, Clare, MI 48617 |
FHA | 1 | 0.7% | 100% | $235,000 | |
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2936 Wilder Rd, Bay City, MI 48706 A+5.0 ★Texas Ratio: 3.16% |
Conventional | 1 | 0.7% | 100% | $175,000 | View |
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144 W Huron Rd, Au Gres, MI 48703 A+5.0 ★Texas Ratio: 4.40% |
Conventional | 1 | 0.7% | 100% | $95,000 | View |
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499 BRICK ST, BAD AXE, MI 48413 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.7% | 100% | $65,000 | 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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★ 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 | 29 | 19.3% | 78.4% | $209,137 | |
United Wholesale Mortgage
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Conventional, FHA, VA, USDA | 23 | 15.3% | 79.3% | $231,956 | |
GreenStone Farm Credit Services
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Conventional | 4 | 2.7% | 100% | $287,500 | |
Legacy Mortgage
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FHA | 2 | 1.3% | 100% | $275,000 | |
Mortgage 1 Incorporated
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Conventional, FHA | 2 | 1.3% | 100% | $250,000 | |
Staunton Financial Inc
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Conventional | 2 | 1.3% | 100% | $225,000 | |
Msu Federal Credit Union
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Conventional, HELOC | 1 +2 HELOCs |
0.7% | 100% | $75,000 | |
Michigan Mutual, Inc
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FHA | 1 | 0.7% | 100% | $195,000 | |
Top Flite Financial, Inc.
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VA | 1 | 0.7% | 100% | $175,000 | |
Guaranteed Rate, Inc.
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Conventional, VA | 3 | 2% | 100% | $221,666 | |
Union Home Mortgage Corp.
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Conventional, FHA | 3 | 2% | 100% | $131,666 | |
Calcon Mutual Mortgage LLC
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Conventional, FHA | 3 | 2% | 100% | $218,333 | |
Mortgage Research Center
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VA | 3 | 2% | 100% | $245,000 | |
New American Funding, LLC.
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FHA, VA | 3 | 2% | 100% | $265,000 | |
Newrez LLC
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Conventional, VA | 2 | 1.3% | 100% | $165,000 | |
Guild Mortgage Company
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Conventional, FHA | 2 | 1.3% | 100% | $55,000 | |
Highlands Residential Mortgage, Ltd.
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Conventional, FHA | 2 | 1.3% | 100% | $255,000 | |
Nationstar Mortgage
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Conventional | 2 | 1.3% | 66.7% | $220,000 | |
Zillow Home Loans, LLC
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Conventional | 2 | 1.3% | 100% | $250,000 | |
Navy Federal Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.7% | 100% | $85,000 | |
Cornerstone First Mortgage, LLC
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VA | 1 | 0.7% | 100% | $275,000 | |
Goodleap, LLC
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FHA | 1 | 0.7% | 100% | $115,000 | |
Kind Lending, LLC
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Conventional | 1 | 0.7% | 50% | $245,000 | |
loanDepot.com LLC
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Conventional | 1 | 0.7% | 25% | $215,000 | |
Movement Mortgage, LLC
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VA | 1 | 0.7% | 100% | $475,000 | |
PHH Mortgage Corporation
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FHA | 1 | 0.7% | 100% | $245,000 | |
Servis One, Inc
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VA | 1 | 0.7% | 100% | $335,000 | |
American Pacific Mortgage Corporation
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FHA | 1 | 0.7% | 100% | $265,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.7% | 100% | $195,000 | View |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.7% | 100% | $65,000 | |
Plaza Home Mortgage, Inc
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FHA | 1 | 0.7% | 100% | $195,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Kalkaska 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 Kalkaska, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Kalkaska? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Kalkaska in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Kalkaska, MI
Use these to narrow the list above. Each category shows how many Kalkaska, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Kalkaska, MI
Independent mortgage companies closed 67.3 percent of home loans in Kalkaska, Michigan in 2025, banks 18.7 percent and credit unions 14 percent. Member First Mortgage, LLC was the largest mortgage company, Huntington National Bank the largest bank and 4Front Credit Union the largest credit union. Among lenders headquartered in Michigan, 4Front Credit Union 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 Kalkaska, MI
By home loans closed in 2025, Huntington National Bank was the largest mortgage lender in Kalkaska, Michigan with 10 loans, about 6.7 percent of the market. The largest lender headquartered in Michigan was 4Front Credit Union with 5 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
15 lenders closed FHA loans in Kalkaska, Michigan in 2025, led by Rocket Mortgage with 10. 11 lenders closed VA loans, led by Rocket Mortgage, 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. 13 banks and 12 credit unions closed home loans in Kalkaska, Michigan in 2025, alongside 30 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 Kalkaska, 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 Kalkaska, 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 Kalkaska. 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.
