Mortgage Lenders and Brokers in Onekama, 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
Onekama, Michigan mortgage lenders include 4Front Credit Union4Front Credit Union515 E Cayuga St, Bellaire, MI 49615, West Shore BankWest Shore Bank4945 Main St, Onekama, MI 49675A5.0 ★Texas Ratio: 10.41%, Lake Michigan Credit UnionLake Michigan Credit Union496 Ada Dr SE STE 103, Ada, MI 49301, State Savings BankState Savings Bank49 N Benzie Blvd, Beulah, MI 49617A+5.0 ★Texas Ratio: 1.81%, Honor BankHonor Bank11926 Chippewa Hwy, Bear Lake, MI 49614A+5.0 ★Texas Ratio: 5.27%, Genisys Credit UnionGenisys Credit Union2100 Executive Hills Dr, Auburn Hills, MI 48326 2947A+5.0 ★Texas Ratio: 5.37%, Credit Union OneCredit Union One2400 Green Rd, Ann Arbor, MI 48105 1550A+5.0 ★Texas Ratio: 2.54%, First National Bank of MichiganFirst National Bank of Michigan141 Ionia Ave Nw, Grand Rapids, MI 49503A5.0 ★Texas Ratio: 7.32%, Tlc Community Credit UnionTlc Community Credit Union3030 S Adrian Hwy, Adrian, MI 49221A+5.0 ★Texas Ratio: 0.45%, and Bank of America NABank of America NA395 Briarwood Cir, Ann Arbor, MI 48108A+5.0 ★Texas Ratio: 4.14%. 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 Onekama, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Onekama 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 Onekama, Michigan
Market share is the lender's share of all home loans closed in Onekama, 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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4Front Credit Union
515 E Cayuga St, Bellaire, MI 49615 |
Conventional, HELOC | 3 +1 HELOCs |
6.4% | 100% | $308,333 | |
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4945 Main St, Onekama, MI 49675 A5.0 ★Texas Ratio: 10.41% |
Conventional | 3 | 6.4% | 100% | $281,666 | View |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
Conventional, HELOC | 2 +2 HELOCs |
4.3% | 100% | $220,000 | |
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49 N Benzie Blvd, Beulah, MI 49617 A+5.0 ★Texas Ratio: 1.81% |
Conventional | 2 | 4.3% | 100% | $355,000 | View |
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11926 Chippewa Hwy, Bear Lake, MI 49614 A+5.0 ★Texas Ratio: 5.27% |
Conventional | 1 | 2.1% | 100% | $255,000 | View |
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2100 Executive Hills Dr, Auburn Hills, MI 48326 2947 A+5.0 ★Texas Ratio: 5.37% |
Conventional | 1 | 2.1% | 100% | $475,000 | View |
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2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54% |
Conventional | 1 | 2.1% | 100% | $25,000 | View |
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141 Ionia Ave Nw, Grand Rapids, MI 49503 A5.0 ★Texas Ratio: 7.32% |
Conventional, Jumbo | 1 | 2.1% | 100% | $4,435,000 | View |
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3030 S Adrian Hwy, Adrian, MI 49221 A+5.0 ★Texas Ratio: 0.45% |
Conventional | 1 | 2.1% | 100% | $155,000 | View |
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395 Briarwood Cir, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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202 W Maumee St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 3.66% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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2910 Carpenter Rd, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 1.86% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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475 Ada Drive, Ada Township, MI 49301 A+5.0 ★Texas Ratio: 3.22% |
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 | |
United Wholesale Mortgage
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Conventional | 6 | 12.8% | 100% | $346,666 | |
Rocket Mortgage
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Conventional | 5 | 10.6% | 71.4% | $169,000 | |
GreenStone Farm Credit Services
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Conventional | 2 | 4.3% | 100% | $475,000 | |
Msu Federal Credit Union
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Conventional, Jumbo | 1 | 2.1% | 100% | $1,065,000 | |
Mortgage 1 Incorporated
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Conventional | 1 | 2.1% | 100% | $65,000 | |
Mortgage Center LC
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Conventional | 1 | 2.1% | 100% | $175,000 | |
Newrez LLC
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Conventional, VA | 3 | 6.4% | 100% | $285,000 | |
Mortgage Research Center
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VA | 2 | 4.3% | 28.6% | $560,000 | |
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A+5.0 ★Texas Ratio: 3.87% |
Conventional | 1 | 2.1% | 100% | $285,000 | View |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 1 | 2.1% | 100% | $1,005,000 | View |
Nbkc Bank
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Conventional | 1 | 2.1% | 100% | $155,000 | |
Movement Mortgage, LLC
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VA | 1 | 2.1% | 100% | $305,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 2.1% | 50% | $25,000 | |
loanDepot.com LLC
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VA | 1 | 2.1% | 100% | $185,000 | |
American Financial Network, Inc.
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FHA | 1 | 2.1% | 100% | $195,000 | |
Cmg Mortgage Inc
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Conventional | 1 | 2.1% | 100% | $465,000 | |
New Day Financial, LLC.
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VA | 1 | 2.1% | 50% | $275,000 | |
Nations Lending Corporation
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Conventional | 1 | 2.1% | 100% | $115,000 | |
Nationstar Mortgage
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FHA | 1 | 2.1% | 100% | $285,000 |
Onekama 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 Onekama, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Onekama? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Onekama in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Onekama, MI
Use these to narrow the list above. Each category shows how many Onekama, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Onekama, MI
Independent mortgage companies closed 57.4 percent of home loans in Onekama, Michigan in 2025, banks 21.3 percent and credit unions 21.3 percent. United Wholesale Mortgage was the largest mortgage company, West Shore Bank the largest bank and 4Front Credit Union the largest credit union. Among lenders headquartered in Michigan, 4Front Credit Union led with 3 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 Onekama, MI
By home loans closed in 2025, 4Front Credit Union was the largest mortgage lender in Onekama, Michigan with 3 loans, about 6.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
2 lenders closed FHA loans in Onekama, Michigan in 2025, led by American Financial Network, Inc. with 1. 5 lenders closed VA loans, led by Mortgage Research Center. 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. 11 banks and 8 credit unions closed home loans in Onekama, Michigan in 2025, alongside 14 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 Onekama, 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 Onekama, 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 Onekama. 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.
