Mortgage Lenders and Brokers in Otsego, 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
Otsego, Michigan mortgage lenders include PNC Bank N.A.PNC Bank N.A.732 E Allegan St, Otsego, MI 49078A+5.0 ★Texas Ratio: 4.24%, Arbor Financial Credit UnionArbor Financial Credit Union1389 M 89, OTSEGO, MI 49078A5.0 ★Texas Ratio: 12.10%, Honor Credit UnionHonor Credit Union1253 Lincoln Rd, Allegan, MI 49010A+5.0 ★Texas Ratio: 5.27%, Lake Michigan Credit UnionLake Michigan Credit Union496 Ada Dr SE STE 103, Ada, MI 49301, Consumers Credit UnionConsumers Credit Union6081 B Dr N, Battle Creek, MI 49014 8367A+5.0 ★Texas Ratio: 3.56%, United Bank of MichiganUnited Bank of Michigan8301 Byron Center Ave Sw, Byron Center, MI 49315A+5.0 ★Texas Ratio: 0.48%, Northpointe BankNorthpointe Bank3333 Deposit Dr Ne, Grand Rapids, MI 49546A5.0 ★Texas Ratio: 8.47%, Huntington National BankHuntington National Bank202 W Maumee St, Adrian, MI 49221A+5.0 ★Texas Ratio: 3.66%, Fifth Third Bank, National AssociationFifth Third Bank, National Association1282 M 89, Otsego, MI 49078A+5.0 ★Texas Ratio: 3.22%, and JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA455 Ada Dr Se, Ada, MI 49301A+5.0 ★Texas Ratio: 3.68%. 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 Otsego, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Otsego 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 Otsego, Michigan
Market share is the lender's share of all home loans closed in Otsego, 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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★ 1.7 stars, 3 reviews 1 office in Otsego 732 E Allegan St, Otsego, MI 49078 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +3 HELOCs |
0.5% | 100% | $325,000 | View |
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1389 M 89, OTSEGO, MI 49078 A5.0 ★Texas Ratio: 12.10% |
Conventional, HELOC | 12 +7 HELOCs |
6.5% | 100% | $255,000 | View |
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1253 Lincoln Rd, Allegan, MI 49010 A+5.0 ★Texas Ratio: 5.27% |
Conventional, HELOC | 9 +4 HELOCs |
4.8% | 69.2% | $87,222 | View |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
Conventional, FHA, HELOC | 9 +4 HELOCs |
4.8% | 91.7% | $195,000 | |
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6081 B Dr N, Battle Creek, MI 49014 8367 A+5.0 ★Texas Ratio: 3.56% |
Conventional, HELOC | 8 +2 HELOCs |
4.3% | 100% | $205,000 | View |
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8301 Byron Center Ave Sw, Byron Center, MI 49315 A+5.0 ★Texas Ratio: 0.48% |
Conventional | 4 | 2.2% | 100% | $175,000 | View |
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3333 Deposit Dr Ne, Grand Rapids, MI 49546 A5.0 ★Texas Ratio: 8.47% |
Conventional | 3 | 1.6% | 100% | $138,333 | View |
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202 W Maumee St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 3.66% |
Conventional, HELOC | 2 +6 HELOCs |
1.1% | 50% | $180,000 | View |
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1282 M 89, Otsego, MI 49078 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 2 +6 HELOCs |
1.1% | 66.7% | $270,000 | View |
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455 Ada Dr Se, Ada, MI 49301 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 1.1% | 100% | $200,000 | View |
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20645 Gibraltar Rd, Brownstown Twp, MI 48183 A+5.0 ★Texas Ratio: 4.92% |
Conventional, FHA | 2 | 1.1% | 100% | $210,000 | View |
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41 2nd St, Battle Creek, MI 49014 6286 A+5.0 ★Texas Ratio: 1.68% |
Conventional | 2 | 1.1% | 100% | $170,000 | View |
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230 Woodworth Ave, Alma, MI 48801 A+5.0 ★Texas Ratio: 0.63% |
Conventional | 2 | 1.1% | 100% | $210,000 | View |
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1004 W Midland Rd, Auburn, MI 48611 A5.0 ★Texas Ratio: 6.46% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $295,000 | View |
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200 W Cass St, Albion, MI 49224 A5.0 ★Texas Ratio: 7.48% |
Conventional | 1 | 0.5% | 100% | $55,000 | View |
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1422 S Winter St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 4.98% |
Conventional | 1 | 0.5% | 100% | $245,000 | View |
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1026 W Midland Rd, AUBURN, MI 48611 A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.5% | 100% | $205,000 | View |
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2469 Cedar Street, Delhi Township, MI 48842 A-4.9 ★Texas Ratio: 16.59% |
Conventional | 1 | 0.5% | 100% | $265,000 | View |
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455 E Eisenhower Pkwy, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 5.44% |
Conventional | 1 | 0.5% | 100% | $265,000 | View |
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3140 Ivanrest AVE SW, Grandville, MI 49418 A+5.0 ★Texas Ratio: 5.83% |
Conventional | 1 | 0.5% | 100% | $205,000 | View |
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1025 E Grand River Ave, Brighton, MI 48116 1803 A+5.0 ★Texas Ratio: 1.78% |
Conventional | 1 | 0.5% | 100% | $65,000 | View |
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4555 W River Dr NE, Comstock Park, MI 49321 8928 A+5.0 ★Texas Ratio: 2.21% |
Conventional | 1 | 0.5% | 100% | $145,000 | View |
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6299 Lake Michigan Dr, Allendale, MI 49401 A+5.0 ★Texas Ratio: 0.50% |
Conventional | 1 | 0.5% | 100% | $315,000 | View |
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2910 Carpenter Rd, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 1.86% |
Conventional | 1 | 0.5% | 100% | $175,000 | View |
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201 S Superior Ave, Baraga, MI 49908 A+5.0 ★Texas Ratio: 4.32% |
Conventional | 1 | 0.5% | 100% | $735,000 | View |
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2550 Capital Ave SW, Battle Creek, MI 49015 A+5.0 ★Texas Ratio: 5.38% |
HELOC | 0 +23 HELOCs |
0% | n/a | View | |
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232 W Monroe St, Bangor, MI 49013 A5.0 ★Texas Ratio: 9.46% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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2121 S Drake Rd, Kalamazoo, MI 49006 5776 A+5.0 ★Texas Ratio: 2.20% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Rocket Mortgage
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Conventional, FHA, VA | 19 | 10.2% | 76.9% | $187,631 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 15 | 8.1% | 83.3% | $248,333 | |
Success Mortgage Partners, Inc
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Conventional, FHA, VA | 10 | 5.4% | 100% | $123,000 | |
Mortgage Center LC
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Conventional | 9 | 4.8% | 100% | $158,333 | |
GreenStone Farm Credit Services
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Conventional | 7 | 3.8% | 100% | $272,142 | |
Northern Mortgage Services, LLC
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Conventional, FHA | 2 | 1.1% | 100% | $190,000 | |
Msu Federal Credit Union
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Conventional | 1 | 0.5% | 50% | $475,000 | |
Legacy Mortgage
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Conventional | 1 | 0.5% | 100% | $325,000 | |
BLG Holdings, LLC
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Conventional | 1 | 0.5% | 100% | $215,000 | |
Gvc Mortgage, Inc.
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Conventional, FHA, VA | 9 | 4.8% | 100% | $231,666 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 5 | 2.7% | 100% | $267,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional | 4 | 2.2% | 100% | $307,500 | View |
Newrez LLC
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Conventional, FHA, VA | 3 | 1.6% | 75% | $285,000 | |
Primelending
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Conventional, FHA | 2 | 1.1% | 100% | $215,000 | |
Freedom Mortgage Corporation
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FHA, VA | 2 | 1.1% | 75% | $240,000 | |
Union Home Mortgage Corp.
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FHA, USDA | 2 | 1.1% | 100% | $140,000 | |
Mortgage Research Center
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VA | 2 | 1.1% | 66.7% | $360,000 | |
Carrington Mortgage Services LLC
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FHA, VA | 2 | 1.1% | 66.7% | $190,000 | |
Cornerstone First Mortgage, LLC
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Conventional | 1 | 0.5% | 100% | $255,000 | |
American Financial Resources LLC
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Conventional | 1 | 0.5% | 100% | $285,000 | |
Guaranteed Rate, Inc.
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FHA | 1 | 0.5% | 100% | $165,000 | |
Equity Prime Mortgage LLC
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VA | 1 | 0.5% | 100% | $275,000 | |
Kind Lending, LLC
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Conventional | 1 | 0.5% | 100% | $55,000 | |
loanDepot.com LLC
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Conventional | 1 | 0.5% | 50% | $255,000 | |
Loanunited.Com, LLC
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VA | 1 | 0.5% | 100% | $315,000 | |
Pennymac Loan Services LLC
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VA | 1 | 0.5% | 50% | $305,000 | |
Summit Home Mortgage, LLC
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Conventional | 1 | 0.5% | 100% | $385,000 | |
Cmg Mortgage Inc
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Conventional | 1 | 0.5% | 100% | $385,000 | |
Planet Home Lending, LLC
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FHA | 1 | 0.5% | 100% | $155,000 | |
Provident Funding Associates
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Conventional | 1 | 0.5% | 100% | $235,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
VA | 1 | 0.5% | 100% | $455,000 | View |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $145,000 | |
Summit Funding.Inc
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Conventional | 1 | 0.5% | 100% | $255,000 | |
Zillow Home Loans, LLC
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FHA | 1 | 0.5% | 100% | $245,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 0.5% | 100% | $335,000 | |
New American Funding, LLC.
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FHA | 1 | 0.5% | 50% | $265,000 | |
21St Mortgage
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Conventional | 1 | 0.5% | 100% | $55,000 | |
Leaderone Financial Corp.
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Conventional | 1 | 0.5% | 100% | $185,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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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 | |
Spring Eq, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Otsego 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 Otsego, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Otsego? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Otsego in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Otsego, MI
Use these to narrow the list above. Each category shows how many Otsego, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Otsego, MI
Independent mortgage companies closed 53.2 percent of home loans in Otsego, Michigan in 2025, banks 15.6 percent and credit unions 31.2 percent. Rocket Mortgage was the largest mortgage company, PNC Bank N.A. the largest bank and Arbor Financial Credit Union the largest credit union. Among lenders headquartered in Michigan, Arbor Financial Credit Union led with 12 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 Otsego, MI
By home loans closed in 2025, PNC Bank N.A. was the largest mortgage lender in Otsego, Michigan with 1 loans, about 0.5 percent of the market. The largest lender headquartered in Michigan was Arbor Financial Credit Union with 12 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
17 lenders closed FHA loans in Otsego, Michigan in 2025, led by Rocket Mortgage with 5. 13 lenders closed VA loans, led by United Wholesale 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. 18 banks and 16 credit unions closed home loans in Otsego, Michigan in 2025, alongside 37 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 Otsego, 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 Otsego, 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 Otsego. 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.
