Mortgage Lenders and Brokers in Sand Lake, 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
Sand Lake, Michigan mortgage lenders include Independent BankIndependent Bank5 S 3rd St, Sand Lake, MI 49343A5.0 ★Texas Ratio: 6.46%, Lake Michigan Credit UnionLake Michigan Credit Union496 Ada Dr SE STE 103, Ada, MI 49301, Intandem Credit UnionIntandem Credit Union13819 White Creek Ave NE, Cedar Springs, MI 49319A+5.0 ★Texas Ratio: 2.03%, ChoiceOne BankChoiceOne Bank5515 Van Dyke Rd, Almont, MI 48003A+5.0 ★Texas Ratio: 5.45%, Fifth Third Bank, National AssociationFifth Third Bank, National Association475 Ada Drive, Ada Township, MI 49301A+5.0 ★Texas Ratio: 3.22%, Huntington National BankHuntington National Bank202 W Maumee St, Adrian, MI 49221A+5.0 ★Texas Ratio: 3.66%, Isabella BankIsabella Bank240 E Northern Ave, Barryton, MI 49305A+5.0 ★Texas Ratio: 4.10%, Old National BankOld National Bank1422 S Winter St, Adrian, MI 49221A+5.0 ★Texas Ratio: 4.98%, Northpointe BankNorthpointe Bank3333 Deposit Dr Ne, Grand Rapids, MI 49546A5.0 ★Texas Ratio: 8.47%, and River Valley Credit UnionRiver Valley Credit Union7177 Headley St SE, Ada, MI 49301 9900A+5.0 ★Texas Ratio: 2.94%. 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 Sand Lake, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Sand Lake 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 Sand Lake, Michigan
Market share is the lender's share of all home loans closed in Sand Lake, 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 Sand Lake 5 S 3rd St, Sand Lake, MI 49343 A5.0 ★Texas Ratio: 6.46% |
Conventional, HELOC | 8 +11 HELOCs |
6.9% | 88.9% | $267,500 | View |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
Conventional, FHA, Jumbo, HELOC | 15 +10 HELOCs |
12.9% | 88.2% | $287,666 | |
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13819 White Creek Ave NE, Cedar Springs, MI 49319 A+5.0 ★Texas Ratio: 2.03% |
Conventional | 6 | 5.2% | 75% | $95,000 | View |
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5515 Van Dyke Rd, Almont, MI 48003 A+5.0 ★Texas Ratio: 5.45% |
Conventional | 6 | 5.2% | 85.7% | $161,666 | View |
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475 Ada Drive, Ada Township, MI 49301 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 4 +5 HELOCs |
3.4% | 100% | $240,000 | View |
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202 W Maumee St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 3.66% |
Conventional, HELOC | 2 +7 HELOCs |
1.7% | 100% | $115,000 | View |
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240 E Northern Ave, Barryton, MI 49305 A+5.0 ★Texas Ratio: 4.10% |
Conventional | 2 | 1.7% | 100% | $215,000 | View |
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1422 S Winter St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 4.98% |
Conventional | 2 | 1.7% | 100% | $250,000 | View |
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3333 Deposit Dr Ne, Grand Rapids, MI 49546 A5.0 ★Texas Ratio: 8.47% |
Conventional, VA | 2 | 1.7% | 100% | $365,000 | View |
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7177 Headley St SE, Ada, MI 49301 9900 A+5.0 ★Texas Ratio: 2.94% |
Conventional | 1 | 0.9% | 100% | $65,000 | View |
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101 N Main St Ste 100, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.9% | 100% | $165,000 | View |
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455 Ada Dr Se, Ada, MI 49301 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.9% | 100% | $445,000 | View |
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200 W Cass St, Albion, MI 49224 A5.0 ★Texas Ratio: 7.48% |
Conventional | 1 | 0.9% | 100% | $5,000 | View |
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4797 Cascade Rd Se, Grand Rapids, MI 49546 B+4.8 ★Texas Ratio: 17.71% |
Conventional | 1 | 0.9% | 100% | $385,000 | View |
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3233 Fairlane Dr, Allen Park, MI 48101 D3.3 ★Texas Ratio: 35.11% |
FHA | 1 | 0.9% | 100% | $395,000 | View |
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2469 Cedar Street, Delhi Township, MI 48842 A-4.9 ★Texas Ratio: 16.59% |
FHA | 1 | 0.9% | 100% | $265,000 | View |
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7473 Storey Rd, Belding, MI 48809 9360 A+5.0 ★Texas Ratio: 1.25% |
Conventional | 1 | 0.9% | 100% | $65,000 | View |
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201 S Main St, Sheridan, MI 48884 A+5.0 ★Texas Ratio: 1.16% |
Conventional | 1 | 0.9% | 100% | $75,000 | View |
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3140 Ivanrest AVE SW, Grandville, MI 49418 A+5.0 ★Texas Ratio: 5.83% |
Conventional | 1 | 0.9% | 100% | $615,000 | View |
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2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830 A+5.0 ★Texas Ratio: 2.16% |
Conventional | 1 | 0.9% | 100% | $55,000 | View |
Wmcu
825 Division St, Big Rapids, MI 49307 2229 |
Conventional | 1 | 0.9% | 100% | $45,000 | |
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8301 Byron Center Ave Sw, Byron Center, MI 49315 A+5.0 ★Texas Ratio: 0.48% |
Conventional | 1 | 0.9% | 100% | $255,000 | View |
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6299 Lake Michigan Dr, Allendale, MI 49401 A+5.0 ★Texas Ratio: 0.50% |
Conventional | 1 | 0.9% | 100% | $105,000 | View |
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14049 Lindsey Pvt Ln, Dewitt, MI 48820 A+5.0 ★Texas Ratio: 4.17% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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6081 B Dr N, Battle Creek, MI 49014 8367 A+5.0 ★Texas Ratio: 3.56% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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455 E Eisenhower Pkwy, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 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 +1 HELOCs |
0% | n/a | View | |
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4555 W River Dr NE, Comstock Park, MI 49321 8928 A+5.0 ★Texas Ratio: 2.21% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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230 Woodworth Ave, Alma, MI 48801 A+5.0 ★Texas Ratio: 0.63% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
United Wholesale Mortgage
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Conventional, FHA, VA | 10 | 8.6% | 84.6% | $348,000 | |
Rocket Mortgage
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Conventional, FHA | 8 | 6.9% | 80% | $147,500 | |
Mortgage 1 Incorporated
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Conventional, FHA | 2 | 1.7% | 100% | $245,000 | |
Msu Federal Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.9% | 100% | $285,000 | |
Community First Federal Credit
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Conventional | 1 | 0.9% | 100% | $85,000 | |
Success Mortgage Partners, Inc
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Conventional | 1 | 0.9% | 100% | $365,000 | |
GreenStone Farm Credit Services
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Conventional | 1 | 0.9% | 100% | $445,000 | |
VanDyk Mortgage Corporation
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FHA | 1 | 0.9% | 50% | $235,000 | |
MMS Mortgage Services, Ltd.
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Conventional | 1 | 0.9% | 100% | $105,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional, FHA | 3 | 2.6% | 75% | $321,666 | View |
Newrez LLC
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Conventional, FHA | 3 | 2.6% | 60% | $358,333 | |
Guild Mortgage Company
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Conventional, FHA | 3 | 2.6% | 75% | $141,666 | |
Churchill Mortgage Corporation
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Conventional | 2 | 1.7% | 100% | $335,000 | |
American Pacific Mortgage Corporation
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Conventional, VA | 2 | 1.7% | 100% | $360,000 | |
Nationstar Mortgage
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FHA | 2 | 1.7% | 66.7% | $310,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.9% | 100% | $345,000 | View |
Ruoff Mortgage Company
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Conventional | 1 | 0.9% | 100% | $265,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.9% | 50% | $35,000 | |
Freedom Mortgage Corporation
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FHA | 1 | 0.9% | 100% | $265,000 | |
CrossCountry Mortgage, LLC
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FHA | 1 | 0.9% | 100% | $235,000 | |
Pennymac Loan Services LLC
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FHA | 1 | 0.9% | 100% | $315,000 | |
PFN Lending Group, Inc.
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VA | 1 | 0.9% | 100% | $215,000 | |
Union Home Mortgage Corp.
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FHA | 1 | 0.9% | 100% | $225,000 | |
First Colony Mortgage Corporat
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FHA | 1 | 0.9% | 100% | $275,000 | |
Mortgage300 Corporation
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Conventional | 1 | 0.9% | 100% | $175,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.9% | 100% | $135,000 | View |
Better Mortgage Corporation
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Conventional | 1 | 0.9% | 100% | $165,000 | |
Prosperity Home Mortgage, LLC
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VA | 1 | 0.9% | 100% | $205,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.9% | 100% | $165,000 | |
Figure Lending LLC
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HELOC | 0 +3 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% | 100% |
Sand Lake 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 Sand Lake, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Sand Lake? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Sand Lake in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Sand Lake, MI
Use these to narrow the list above. Each category shows how many Sand Lake, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Sand Lake, MI
Independent mortgage companies closed 43.1 percent of home loans in Sand Lake, Michigan in 2025, banks 31.9 percent and credit unions 25 percent. United Wholesale Mortgage was the largest mortgage company, Independent Bank the largest bank and Lake Michigan Credit Union the largest credit union. Among lenders headquartered in Michigan, Independent Bank led with 8 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 Sand Lake, MI
By home loans closed in 2025, Independent Bank was the largest mortgage lender in Sand Lake, Michigan with 8 loans, about 6.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
16 lenders closed FHA loans in Sand Lake, Michigan in 2025, led by Rocket Mortgage with 2. 5 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. 18 banks and 14 credit unions closed home loans in Sand Lake, Michigan in 2025, alongside 29 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 Sand Lake, 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 Sand Lake, 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 Sand Lake. 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.
