Mortgage Lenders and Brokers in Mackinaw 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
Mackinaw City, Michigan mortgage lenders include Mercantile BankMercantile Bank230 Woodworth Ave, Alma, MI 48801A+5.0 ★Texas Ratio: 0.63%, PNC Bank N.A.PNC Bank N.A.855 Marshall St, Allegan, MI 49010A+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%, 4Front Credit Union4Front Credit Union515 E Cayuga St, Bellaire, MI 49615, First Community BankFirst Community Bank379 S Old Woodward Ave, Birmingham, MI 48009A+5.0 ★Texas Ratio: 0.00%, 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, 1St Source Bank1St Source Bank223 S Front St, Dowagiac, MI 49047A+5.0 ★Texas Ratio: 5.01%, Genisys Credit UnionGenisys Credit Union2100 Executive Hills Dr, Auburn Hills, MI 48326 2947A+5.0 ★Texas Ratio: 5.37%, and First State BankFirst State Bank53950 Gratiot Ave, Chesterfield, MI 48051A5.0 ★Texas Ratio: 6.84%. 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 Mackinaw City, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Mackinaw 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 Mackinaw City, Michigan
Market share is the lender's share of all home loans closed in Mackinaw 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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230 Woodworth Ave, Alma, MI 48801 A+5.0 ★Texas Ratio: 0.63% |
Conventional, HELOC | 4 +1 HELOCs |
5.4% | 57.1% | $295,000 | View |
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★ 1.7 stars, 3 reviews 855 Marshall St, Allegan, MI 49010 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 3 +3 HELOCs |
4.1% | 100% | $228,333 | View |
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455 Ada Dr Se, Ada, MI 49301 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 3 | 4.1% | 75% | $588,333 | View |
4Front Credit Union
515 E Cayuga St, Bellaire, MI 49615 |
Conventional | 3 | 4.1% | 100% | $98,333 | |
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379 S Old Woodward Ave, Birmingham, MI 48009 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 2 | 2.7% | 100% | $495,000 | View |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
Conventional | 2 | 2.7% | 100% | $525,000 | |
Member First Mortgage, LLC
650 W 5th St, Clare, MI 48617 |
Conventional | 2 | 2.7% | 100% | $145,000 | |
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223 S Front St, Dowagiac, MI 49047 A+5.0 ★Texas Ratio: 5.01% |
Conventional | 1 | 1.4% | 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 | 1.4% | 100% | $385,000 | View |
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53950 Gratiot Ave, Chesterfield, MI 48051 A5.0 ★Texas Ratio: 6.84% |
Conventional | 1 | 1.4% | 100% | $805,000 | View |
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202 W Maumee St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 1.4% | 100% | $95,000 | View |
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300 N Main St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 3.87% |
Conventional | 1 | 1.4% | 100% | $195,000 | View |
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2469 Cedar Street, Delhi Township, MI 48842 A-4.9 ★Texas Ratio: 16.59% |
Conventional | 1 | 1.4% | 100% | $305,000 | View |
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1479 Straits Dr, Bay City, MI 48706 A+5.0 ★Texas Ratio: 4.72% |
Conventional | 1 | 1.4% | 100% | $85,000 | View |
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395 Briarwood Cir, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 1.4% | 100% | $335,000 | View |
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39440 W 14 Mile Rd, Commerce Township, MI 48390 3907 A+5.0 ★Texas Ratio: 5.61% |
Conventional | 1 | 1.4% | 100% | $25,000 | View |
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3082 Coolidge Hwy, Berkley, MI 48072 A+5.0 ★Texas Ratio: 5.97% |
Conventional | 1 | 1.4% | 100% | $485,000 | View |
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710 N Van Dyke Rd, Bad Axe, MI 48413 A5.0 ★Texas Ratio: 8.18% |
Conventional | 1 | 1.4% | 100% | $495,000 | View |
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144 W Huron Rd, Au Gres, MI 48703 A+5.0 ★Texas Ratio: 4.40% |
Conventional | 1 | 1.4% | 100% | $685,000 | View |
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475 Ada Drive, Ada Township, MI 49301 A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +3 HELOCs |
0% | 0% | View | |
Community Financial
12483 State St, Atlanta, MI 49709 |
HELOC | 0 +2 HELOCs |
0% | n/a | ||
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101 N Main St Ste 100, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Rocket Mortgage
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Conventional, VA | 13 | 17.6% | 76.5% | $152,692 | |
United Wholesale Mortgage
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Conventional, VA | 3 | 4.1% | 60% | $298,333 | |
Success Mortgage Partners, Inc
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Conventional | 2 | 2.7% | 100% | $370,000 | |
GreenStone Farm Credit Services
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Conventional | 2 | 2.7% | 100% | $535,000 | |
Union Home Mortgage Corp.
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Conventional | 3 | 4.1% | 100% | $195,000 | |
Newrez LLC
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Conventional | 2 | 2.7% | 100% | $210,000 | |
Nations Lending Corporation
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Conventional, FHA | 2 | 2.7% | 100% | $180,000 | |
Nationstar Mortgage
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Conventional | 2 | 2.7% | 100% | $95,000 | |
Mortgage Research Center
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VA | 2 | 2.7% | 66.7% | $325,000 | |
Navy Federal Credit Union
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Conventional, VA | 2 | 2.7% | 100% | $345,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 2 | 2.7% | 100% | $310,000 | View |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 1.4% | 100% | $125,000 | View |
Freedom Mortgage Corporation
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VA | 1 | 1.4% | 66.7% | $245,000 | |
Filo Mortgage, LLC
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FHA | 1 | 1.4% | 100% | $345,000 | |
loanDepot.com LLC
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Conventional | 1 | 1.4% | 50% | $35,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 1.4% | 100% | $205,000 | View |
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A+5.0 ★Texas Ratio: 5.33% |
Conventional | 1 | 1.4% | 100% | $325,000 | View |
Stockton Mortgage Corporation
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Conventional | 1 | 1.4% | 100% | $235,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 1.4% | 100% | $175,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
The Loan Store, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a |
Mackinaw 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 Mackinaw City, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Mackinaw City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Mackinaw City in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Mackinaw City, MI
Use these to narrow the list above. Each category shows how many Mackinaw City, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Mackinaw City, MI
Independent mortgage companies closed 51.4 percent of home loans in Mackinaw City, Michigan in 2025, banks 32.4 percent and credit unions 16.2 percent. Member First Mortgage, LLC was the largest mortgage company, Mercantile Bank the largest bank and 4Front Credit Union 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 Mackinaw City, MI
By home loans closed in 2025, Mercantile Bank was the largest mortgage lender in Mackinaw City, Michigan with 4 loans, about 5.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
2 lenders closed FHA loans in Mackinaw City, Michigan in 2025, led by Nations Lending Corporation with 1. 7 lenders closed VA loans, led by Rocket Mortgage. 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 9 credit unions closed home loans in Mackinaw City, Michigan in 2025, alongside 17 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 Mackinaw 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 Mackinaw 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 Mackinaw 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.
