Mortgage Lenders and Brokers in Reed 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
Reed City, Michigan mortgage lenders include Huntington National BankHuntington National Bank214 W Upton Ave, Reed City, MI 49677A+5.0 ★Texas Ratio: 3.66%, WmcuWmcu4795 220th Avenue, Reed City, MI 49677 1395, Horizon BankHorizon Bank144 W Huron Rd, Au Gres, MI 48703A+5.0 ★Texas Ratio: 4.40%, Lake Michigan Credit UnionLake Michigan Credit Union496 Ada Dr SE STE 103, Ada, MI 49301, Members First Credit UnionMembers First Credit Union650 W 5th St, Clare, MI 48617A+5.0 ★Texas Ratio: 4.54%, Mercantile BankMercantile Bank230 Woodworth Ave, Alma, MI 48801A+5.0 ★Texas Ratio: 0.63%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA455 Ada Dr Se, Ada, MI 49301A+5.0 ★Texas Ratio: 3.68%, Dart BankDart Bank2469 Cedar Street, Delhi Township, MI 48842A-4.9 ★Texas Ratio: 16.59%, Preferred Credit UnionPreferred Credit Union7473 Storey Rd, Belding, MI 48809 9360A+5.0 ★Texas Ratio: 1.25%, and Member First Mortgage, LLCMember First Mortgage, LLC650 W 5th St, Clare, MI 48617. 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 Reed City, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Reed 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 Reed City, Michigan
Market share is the lender's share of all home loans closed in Reed 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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1 office in Reed City 214 W Upton Ave, Reed City, MI 49677 A+5.0 ★Texas Ratio: 3.66% |
Conventional, HELOC | 7 +20 HELOCs |
5.9% | 77.8% | $135,000 | View |
Wmcu
4795 220th Avenue, Reed City, MI 49677 1395 |
Conventional | 5 | 4.2% | 61.5% | $57,000 | |
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144 W Huron Rd, Au Gres, MI 48703 A+5.0 ★Texas Ratio: 4.40% |
Conventional, HELOC | 4 +2 HELOCs |
3.4% | 80% | $140,000 | View |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
Conventional, HELOC | 3 +3 HELOCs |
2.5% | 75% | $331,666 | |
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650 W 5th St, Clare, MI 48617 A+5.0 ★Texas Ratio: 4.54% |
Conventional | 3 | 2.5% | 75% | $111,666 | View |
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230 Woodworth Ave, Alma, MI 48801 A+5.0 ★Texas Ratio: 0.63% |
Conventional | 2 | 1.7% | 100% | $135,000 | View |
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455 Ada Dr Se, Ada, MI 49301 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.8% | 100% | $555,000 | View |
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2469 Cedar Street, Delhi Township, MI 48842 A-4.9 ★Texas Ratio: 16.59% |
Conventional | 1 | 0.8% | 100% | $595,000 | View |
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7473 Storey Rd, Belding, MI 48809 9360 A+5.0 ★Texas Ratio: 1.25% |
Conventional | 1 | 0.8% | 100% | $185,000 | View |
Member First Mortgage, LLC
650 W 5th St, Clare, MI 48617 |
Conventional | 1 | 0.8% | 100% | $215,000 | |
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2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54% |
Conventional | 1 | 0.8% | 100% | $125,000 | View |
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5515 Van Dyke Rd, Almont, MI 48003 A+5.0 ★Texas Ratio: 5.45% |
Conventional | 1 | 0.8% | 100% | $55,000 | View |
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475 Ada Drive, Ada Township, MI 49301 A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Rocket Mortgage
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Conventional, VA | 17 | 14.4% | 85% | $113,235 | |
United Wholesale Mortgage
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Conventional, FHA, VA, USDA | 11 | 9.3% | 91.7% | $185,000 | |
GreenStone Farm Credit Services
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Conventional | 7 | 5.9% | 100% | $222,142 | |
Mortgage 1 Incorporated
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Conventional, FHA | 2 | 1.7% | 100% | $150,000 | |
Msu Federal Credit Union
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Conventional | 1 | 0.8% | 100% | $115,000 | |
Mortgage Center LC
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Conventional | 1 | 0.8% | 100% | $205,000 | |
BLG Holdings, LLC
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Conventional | 1 | 0.8% | 100% | $165,000 | |
Union Home Mortgage Corp.
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Conventional, FHA, VA, HELOC | 19 +2 HELOCs |
16.1% | 90.5% | $181,315 | |
Mortgage Research Center
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VA | 4 | 3.4% | 80% | $237,500 | |
Newrez LLC
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Conventional, FHA | 3 | 2.5% | 60% | $125,000 | |
Guild Mortgage Company
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Conventional, FHA | 3 | 2.5% | 100% | $85,000 | |
Mortgage300 Corporation
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USDA | 2 | 1.7% | 100% | $125,000 | |
American Pacific Mortgage Corporation
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Conventional, FHA | 2 | 1.7% | 100% | $100,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
FHA | 1 | 0.8% | 50% | $195,000 | View |
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A+5.0 ★Texas Ratio: 0.00% |
FHA | 1 | 0.8% | 100% | $165,000 | View |
American Financial Resources LLC
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VA | 1 | 0.8% | 100% | $295,000 | |
Goodleap, LLC
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Conventional | 1 | 0.8% | 100% | $95,000 | |
Lakeview Loan Servicing, LLC
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FHA | 1 | 0.8% | 50% | $125,000 | |
Freedom Mortgage Corporation
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FHA | 1 | 0.8% | 100% | $85,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 0.8% | 100% | $65,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.8% | 50% | $55,000 | |
American Financing Corporation
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Conventional | 1 | 0.8% | 100% | $135,000 | |
Servis One, Inc
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VA | 1 | 0.8% | 100% | $235,000 | |
T2 Financial LLC
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Conventional | 1 | 0.8% | 100% | $195,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.8% | 100% | $125,000 | View |
Nationstar Mortgage
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VA | 1 | 0.8% | 100% | $135,000 | |
Carrington Mortgage Services LLC
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FHA | 1 | 0.8% | 33.3% | $125,000 | |
Leaderone Financial Corp.
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Conventional | 1 | 0.8% | 50% | $175,000 | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Reed 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 Reed City, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Reed City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Reed City in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Reed City, MI
Use these to narrow the list above. Each category shows how many Reed City, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Reed City, MI
Independent mortgage companies closed 72.9 percent of home loans in Reed City, Michigan in 2025, banks 15.3 percent and credit unions 11.9 percent. Member First Mortgage, LLC was the largest mortgage company, Huntington National Bank the largest bank and Wmcu the largest credit union. Among lenders headquartered in Michigan, Wmcu led with 5 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 Reed City, MI
By home loans closed in 2025, Huntington National Bank was the largest mortgage lender in Reed City, Michigan with 7 loans, about 5.9 percent of the market. The largest lender headquartered in Michigan was Wmcu with 5 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
11 lenders closed FHA loans in Reed City, Michigan in 2025, led by Union Home Mortgage Corp. with 9. 7 lenders closed VA loans, led by Mortgage Research Center, and 2 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. 10 banks and 7 credit unions closed home loans in Reed City, Michigan in 2025, alongside 27 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 Reed 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 Reed 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 Reed 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.
