Mortgage Lenders and Brokers in Pentwater, 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
Pentwater, Michigan mortgage lenders include The Shelby State BankThe Shelby State Bank388 S Hancock St, Pentwater, MI 49449A+5.0 ★Texas Ratio: 0.91%, 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%, Consumers Credit UnionConsumers Credit Union6081 B Dr N, Battle Creek, MI 49014 8367A+5.0 ★Texas Ratio: 3.56%, Huntington National BankHuntington National Bank202 W Maumee St, Adrian, MI 49221A+5.0 ★Texas Ratio: 3.66%, West Shore BankWest Shore Bank501 Main St, Frankfort, MI 49635A5.0 ★Texas Ratio: 10.41%, West Michigan Community BankWest Michigan Community Bank4797 Cascade Rd Se, Grand Rapids, MI 49546B+4.8 ★Texas Ratio: 17.71%, Dart BankDart Bank2469 Cedar Street, Delhi Township, MI 48842A-4.9 ★Texas Ratio: 16.59%, Northpointe BankNorthpointe Bank3333 Deposit Dr Ne, Grand Rapids, MI 49546A5.0 ★Texas Ratio: 8.47%, and Preferred Credit UnionPreferred Credit Union7473 Storey Rd, Belding, MI 48809 9360A+5.0 ★Texas Ratio: 1.25%. 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 Pentwater, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Pentwater 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 Pentwater, Michigan
Market share is the lender's share of all home loans closed in Pentwater, 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 Pentwater 388 S Hancock St, Pentwater, MI 49449 A+5.0 ★Texas Ratio: 0.91% |
Conventional | 1 | 1.5% | 50% | $295,000 | View |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
Conventional, HELOC | 11 +3 HELOCs |
16.4% | 100% | $340,454 | |
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475 Ada Drive, Ada Township, MI 49301 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 3 +3 HELOCs |
4.5% | 75% | $245,000 | View |
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6081 B Dr N, Battle Creek, MI 49014 8367 A+5.0 ★Texas Ratio: 3.56% |
Conventional | 3 | 4.5% | 100% | $261,666 | View |
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202 W Maumee St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 3.66% |
Conventional, HELOC | 2 +3 HELOCs |
3% | 100% | $205,000 | View |
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501 Main St, Frankfort, MI 49635 A5.0 ★Texas Ratio: 10.41% |
Conventional | 2 | 3% | 66.7% | $270,000 | View |
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4797 Cascade Rd Se, Grand Rapids, MI 49546 B+4.8 ★Texas Ratio: 17.71% |
Conventional | 1 | 1.5% | 100% | $805,000 | View |
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2469 Cedar Street, Delhi Township, MI 48842 A-4.9 ★Texas Ratio: 16.59% |
Conventional | 1 | 1.5% | 100% | $405,000 | View |
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3333 Deposit Dr Ne, Grand Rapids, MI 49546 A5.0 ★Texas Ratio: 8.47% |
Conventional, Jumbo | 1 | 1.5% | 100% | $1,005,000 | View |
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7473 Storey Rd, Belding, MI 48809 9360 A+5.0 ★Texas Ratio: 1.25% |
Conventional | 1 | 1.5% | 100% | $45,000 | View |
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14049 Lindsey Pvt Ln, Dewitt, MI 48820 A+5.0 ★Texas Ratio: 4.17% |
Conventional | 1 | 1.5% | 100% | $265,000 | View |
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41 2nd St, Battle Creek, MI 49014 6286 A+5.0 ★Texas Ratio: 1.68% |
Conventional | 1 | 1.5% | 100% | $405,000 | View |
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34100 Woodward Ave, Birmingham, MI 48009 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 1 | 1.5% | 100% | $1,085,000 | View |
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6299 Lake Michigan Dr, Allendale, MI 49401 A+5.0 ★Texas Ratio: 0.50% |
Conventional | 1 | 1.5% | 100% | $105,000 | View |
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236 S Cochran Ave, Charlotte, MI 48813 A5.0 ★Texas Ratio: 6.35% |
Conventional | 1 | 1.5% | 100% | $55,000 | View |
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7200 KALAMAZOO AVE SE, CALEDONIA, MI 49316 A5.0 ★Texas Ratio: 12.10% |
Conventional | 1 | 1.5% | 100% | $135,000 | View |
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3930 S State Rd, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 4.12% |
Conventional, Jumbo | 1 | 1.5% | 100% | $915,000 | 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 +2 HELOCs |
0% | n/a | View | |
Community Financial
12483 State St, Atlanta, MI 49709 |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
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2550 Capital Ave SW, Battle Creek, MI 49015 A+5.0 ★Texas Ratio: 5.38% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Mortgage 1 Incorporated
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Conventional, FHA, VA | 7 | 10.4% | 100% | $203,571 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 5 +1 HELOCs |
7.5% | 83.3% | $369,000 | |
Rocket Mortgage
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Conventional | 4 | 6% | 80% | $150,000 | |
GreenStone Farm Credit Services
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Conventional | 3 | 4.5% | 100% | $165,000 | |
Ccf - Auburn Hills Branch
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Conventional | 1 | 1.5% | 100% | $75,000 | |
Mortgage Center LC
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Conventional | 1 | 1.5% | 100% | $225,000 | |
Msu Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
21St Mortgage
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Conventional | 3 | 4.5% | 75% | $48,333 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 1.5% | 50% | $75,000 | View |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 1.5% | 100% | $405,000 | |
Triad Financial Services, Inc.
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Conventional | 1 | 1.5% | 33.3% | $35,000 | |
loanDepot.com LLC
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Conventional | 1 | 1.5% | 100% | $505,000 | |
Discover Bank
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Conventional | 1 | 1.5% | 100% | $55,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 1.5% | 100% | $95,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 1.5% | 100% | $225,000 | View |
American Pacific Mortgage Corporation
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Conventional | 1 | 1.5% | 100% | $105,000 | |
Nationstar Mortgage
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Conventional | 1 | 1.5% | 100% | $605,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 1.5% | 100% | $335,000 | View |
Pentwater 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 Pentwater, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Pentwater? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Pentwater in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Pentwater, MI
Use these to narrow the list above. Each category shows how many Pentwater, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Pentwater, MI
Independent mortgage companies closed 41.8 percent of home loans in Pentwater, Michigan in 2025, banks 28.4 percent and credit unions 29.9 percent. Mortgage 1 Incorporated was the largest mortgage company, The Shelby State Bank the largest bank and Lake Michigan Credit Union the largest credit union. Among lenders headquartered in Michigan, The Shelby State Bank led with 1 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 Pentwater, MI
By home loans closed in 2025, The Shelby State Bank was the largest mortgage lender in Pentwater, Michigan with 1 loans, about 1.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
2 lenders closed FHA loans in Pentwater, Michigan in 2025, led by Mortgage 1 Incorporated with 1. 2 lenders closed VA loans, led by United Wholesale 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. 16 banks and 11 credit unions closed home loans in Pentwater, Michigan in 2025, alongside 11 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 Pentwater, 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 Pentwater, 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 Pentwater. 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.
