Mortgage Lenders and Brokers in Oden, 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
Oden, Michigan mortgage lenders include Mercantile BankMercantile Bank230 Woodworth Ave, Alma, MI 48801A+5.0 ★Texas Ratio: 0.63%, 4Front Credit Union4Front Credit Union515 E Cayuga St, Bellaire, MI 49615, Lake Michigan Credit UnionLake Michigan Credit Union496 Ada Dr SE STE 103, Ada, MI 49301, Huntington National BankHuntington National Bank202 W Maumee St, Adrian, MI 49221A+5.0 ★Texas Ratio: 3.66%, PNC Bank N.A.PNC Bank N.A.855 Marshall St, Allegan, MI 49010A+5.0 ★Texas Ratio: 4.24%, Isabella BankIsabella Bank240 E Northern Ave, Barryton, MI 49305A+5.0 ★Texas Ratio: 4.10%, University of Michigan Credit UnionUniversity of Michigan Credit Union340 E Huron St, Ann Arbor, MI 48104A+5.0 ★Texas Ratio: 5.54%, Credit Union OneCredit Union One2400 Green Rd, Ann Arbor, MI 48105 1550A+5.0 ★Texas Ratio: 2.54%, First Community BankFirst Community Bank379 S Old Woodward Ave, Birmingham, MI 48009A+5.0 ★Texas Ratio: 0.00%, and 1St State Bank1St State Bank3907 Wilder Rd, Bay City, MI 48706A+5.0 ★Texas Ratio: 2.15%. 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 Oden, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Oden 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 Oden, Michigan
Market share is the lender's share of all home loans closed in Oden, 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, FHA, Jumbo, HELOC | 23 +7 HELOCs |
27.4% | 95.8% | $355,434 | View |
4Front Credit Union
515 E Cayuga St, Bellaire, MI 49615 |
Conventional, HELOC | 4 +7 HELOCs |
4.8% | 100% | $222,500 | |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
Conventional, Jumbo, HELOC | 4 +1 HELOCs |
4.8% | 100% | $670,000 | |
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202 W Maumee St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 3.66% |
Conventional, VA, HELOC | 3 +5 HELOCs |
3.6% | 100% | $151,666 | 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 | 1 +3 HELOCs |
1.2% | 100% | $345,000 | View |
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240 E Northern Ave, Barryton, MI 49305 A+5.0 ★Texas Ratio: 4.10% |
Conventional | 1 | 1.2% | 100% | $605,000 | View |
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340 E Huron St, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 5.54% |
Conventional | 1 | 1.2% | 100% | $445,000 | View |
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2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54% |
Conventional | 1 | 1.2% | 100% | $495,000 | View |
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379 S Old Woodward Ave, Birmingham, MI 48009 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 1.2% | 100% | $95,000 | View |
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3907 Wilder Rd, Bay City, MI 48706 A+5.0 ★Texas Ratio: 2.15% |
Conventional | 1 | 1.2% | 100% | $205,000 | View |
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475 Ada Drive, Ada Township, MI 49301 A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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2469 Cedar Street, Delhi Township, MI 48842 A-4.9 ★Texas Ratio: 16.59% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Community Financial
12483 State St, Atlanta, MI 49709 |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA | 9 | 10.7% | 81.8% | $277,222 | |
Rocket Mortgage
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Conventional, VA | 7 | 8.3% | 70% | $269,285 | |
Msu Federal Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
1.2% | 100% | $425,000 | |
Ross Mortgage Corporation
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FHA | 1 | 1.2% | 100% | $465,000 | |
Mortgage Center LC
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Conventional | 1 | 1.2% | 100% | $455,000 | |
Zippy Loans, LLC
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Conventional | 5 | 6% | 100% | $61,000 | |
United Trust Bank
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VA | 2 | 2.4% | 100% | $200,000 | |
Calcon Mutual Mortgage LLC
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Conventional, Jumbo | 2 | 2.4% | 100% | $540,000 | |
Mortgage Research Center
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VA | 2 | 2.4% | 50% | $460,000 | |
Union Home Mortgage Corp.
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Conventional, HELOC | 1 +1 HELOCs |
1.2% | 100% | $265,000 | |
Freedom Mortgage Corporation
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FHA | 1 | 1.2% | 50% | $315,000 | |
Newrez LLC
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Conventional | 1 | 1.2% | 100% | $55,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 1.2% | 100% | $725,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 1.2% | 100% | $335,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 1.2% | 100% | $335,000 | |
AdvantageFirst Lending Inc
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VA | 1 | 1.2% | 100% | $275,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 1.2% | 100% | $425,000 | View |
American Pacific Mortgage Corporation
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Conventional | 1 | 1.2% | 100% | $275,000 | |
Nationstar Mortgage
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Conventional | 1 | 1.2% | 50% | $315,000 | |
Stockton Mortgage Corporation
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FHA | 1 | 1.2% | 100% | $225,000 | |
Better Mortgage Corporation
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Conventional | 1 | 1.2% | 50% | $215,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
VA | 1 | 1.2% | 100% | $285,000 | View |
Carrington Mortgage Services LLC
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FHA | 1 | 1.2% | 20% | $285,000 | |
Guaranteed Rate, Inc.
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Oden 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 Oden, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Oden? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Oden in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Oden, MI
Use these to narrow the list above. Each category shows how many Oden, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Oden, MI
Independent mortgage companies closed 45.2 percent of home loans in Oden, Michigan in 2025, banks 40.5 percent and credit unions 14.3 percent. United Wholesale Mortgage 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 23 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 Oden, MI
By home loans closed in 2025, Mercantile Bank was the largest mortgage lender in Oden, Michigan with 23 loans, about 27.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
6 lenders closed FHA loans in Oden, Michigan in 2025, led by United Wholesale Mortgage with 2. 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. 12 banks and 7 credit unions closed home loans in Oden, Michigan in 2025, alongside 20 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 Oden, 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 Oden, 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 Oden. 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.
