Mortgage Lenders and Brokers in Sault Ste. Marie, Michigan
Brian McKay
|
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.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Sault Ste. Marie, Michigan mortgage lenders include Huntington National BankHuntington National Bank202 W Maumee St, Adrian, MI 49221A+5.0 ★Texas Ratio: 3.66%, Nicolet National BankNicolet National Bank468 N Ripley Blvd, Alpena, MI 49707A+5.0 ★Texas Ratio: 2.28%, 4Front Credit Union4Front Credit Union515 E Cayuga St, Bellaire, MI 49615, PNC Bank N.A.PNC Bank N.A.855 Marshall St, Allegan, MI 49010A+5.0 ★Texas Ratio: 4.24%, Genisys Credit UnionGenisys Credit Union2100 Executive Hills Dr, Auburn Hills, MI 48326 2947A+5.0 ★Texas Ratio: 5.37%, Dort Financial Credit UnionDort Financial Credit Union5750 Baypointe Blvd, Clarkston, MI 48346 3192A+5.0 ★Texas Ratio: 4.06%, Honor Credit UnionHonor Credit Union1253 Lincoln Rd, Allegan, MI 49010A+5.0 ★Texas Ratio: 5.27%, Wells Fargo Bank NAWells Fargo Bank NA34100 Woodward Ave, Birmingham, MI 48009A+5.0 ★Texas Ratio: 5.36%, Towne Mortgage CompanyTowne Mortgage Company2400 Green Rd, Ann Arbor, MI 48105 1550A+5.0 ★Texas Ratio: 2.54%, and Citizens Bank, NACitizens Bank, NA455 E Eisenhower Pkwy, Ann Arbor, MI 48108A+5.0 ★Texas Ratio: 5.44%. 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 Sault Ste. Marie, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Sault Ste. Marie 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 Sault Ste. Marie, Michigan
Market share is the lender's share of all home loans closed in Sault Ste. Marie, 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 |
|---|---|---|---|---|---|---|
|
202 W Maumee St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, VA, HELOC | 8 +5 HELOCs |
6.8% | 80% | $156,250 | View |
|
468 N Ripley Blvd, Alpena, MI 49707 A+5.0 ★Texas Ratio: 2.28% |
Conventional | 8 | 6.8% | 100% | $200,000 | View |
4Front Credit Union
515 E Cayuga St, Bellaire, MI 49615 |
Conventional, HELOC | 7 +7 HELOCs |
6% | 100% | $259,285 | |
|
★ 1.7 stars, 3 reviews 855 Marshall St, Allegan, MI 49010 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +1 HELOCs |
0.9% | 100% | $185,000 | View |
|
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947 A+5.0 ★Texas Ratio: 5.37% |
Conventional | 1 | 0.9% | 100% | $25,000 | View |
|
5750 Baypointe Blvd, Clarkston, MI 48346 3192 A+5.0 ★Texas Ratio: 4.06% |
Conventional | 1 | 0.9% | 100% | $205,000 | View |
|
1253 Lincoln Rd, Allegan, MI 49010 A+5.0 ★Texas Ratio: 5.27% |
Conventional | 1 | 0.9% | 100% | $95,000 | View |
|
34100 Woodward Ave, Birmingham, MI 48009 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.9% | 100% | $345,000 | View |
|
2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54% |
FHA | 1 | 0.9% | 100% | $165,000 | View |
|
455 E Eisenhower Pkwy, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Rocket Mortgage
|
Conventional, FHA, VA | 15 | 12.8% | 80% | $146,333 | |
BLG Holdings, LLC
|
Conventional | 9 | 7.7% | 100% | $143,888 | |
United Wholesale Mortgage
|
Conventional, FHA, VA | 8 | 6.8% | 100% | $202,500 | |
Msu Federal Credit Union
|
Conventional | 1 | 0.9% | 100% | $95,000 | |
Ross Mortgage Corporation
|
Conventional | 1 | 0.9% | 100% | $215,000 | |
VanDyk Mortgage Corporation
|
FHA | 1 | 0.9% | 100% | $175,000 | |
Mortgage Center LC
|
Conventional | 1 | 0.9% | 100% | $365,000 | |
Staunton Financial Inc
|
FHA | 1 | 0.9% | 100% | $145,000 | |
Mortgage Research Center
|
VA | 12 | 10.3% | 92.3% | $220,000 | |
Navy Federal Credit Union
|
Conventional, VA | 4 | 3.4% | 80% | $180,000 | |
Triad Financial Services, Inc.
|
Conventional | 3 | 2.6% | 21.4% | $48,333 | |
Pennymac Loan Services LLC
|
Conventional, FHA, VA | 3 | 2.6% | 100% | $201,666 | |
Click n' Close, Inc.
|
FHA | 3 | 2.6% | 100% | $215,000 | |
21St Mortgage
|
Conventional | 3 | 2.6% | 18.8% | $71,666 | |
loanDepot.com LLC
|
Conventional, FHA | 2 | 1.7% | 100% | $225,000 | |
Cmg Mortgage Inc
|
Conventional, USDA | 2 | 1.7% | 100% | $95,000 | |
|
B-3.5 ★Texas Ratio: 6.80% |
VA | 2 | 1.7% | 66.7% | $230,000 | View |
|
A-5.0 ★Texas Ratio: 14.97% |
Conventional, USDA | 2 | 1.7% | 100% | $120,000 | View |
|
A+5.0 ★Texas Ratio: 0.00% |
VA | 1 | 0.9% | 100% | $175,000 | View |
Zippy Loans, LLC
|
Conventional | 1 | 0.9% | 20% | $85,000 | |
Newrez LLC
|
Conventional | 1 | 0.9% | 100% | $205,000 | |
CrossCountry Mortgage, LLC
|
VA | 1 | 0.9% | 100% | $145,000 | |
Movement Mortgage, LLC
|
FHA | 1 | 0.9% | 100% | $225,000 | |
Deephaven Mortgage LLC
|
Conventional | 1 | 0.9% | 100% | $195,000 | |
Amerisave Mortgage Company
|
Conventional | 1 | 0.9% | 100% | $65,000 | |
Calcon Mutual Mortgage LLC
|
Conventional | 1 | 0.9% | 100% | $155,000 | |
New Day Financial, LLC.
|
VA | 1 | 0.9% | 100% | $165,000 | |
Planet Home Lending, LLC
|
VA | 1 | 0.9% | 100% | $185,000 | |
Zillow Home Loans, LLC
|
Conventional | 1 | 0.9% | 100% | $145,000 | |
Mutual of Omaha Mortgage
|
Conventional | 1 | 0.9% | 100% | $125,000 | |
New American Funding, LLC.
|
FHA | 1 | 0.9% | 100% | $205,000 | |
|
A+5.0 ★Texas Ratio: 2.14% |
Conventional | 1 | 0.9% | 100% | $105,000 | View |
|
A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.9% | 100% | $65,000 | View |
HomeBridge Financial Services, Inc
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
|
HELOC | 0 +1 HELOCs |
0% | n/a |
Sault Ste. Marie 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 Sault Ste. Marie, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Sault Ste. Marie? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Sault Ste. Marie in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Sault Ste. Marie, MI
Use these to narrow the list above. Each category shows how many Sault Ste. Marie, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Sault Ste. Marie, MI
Independent mortgage companies closed 65 percent of home loans in Sault Ste. Marie, Michigan in 2025, banks 21.4 percent and credit unions 13.7 percent. Towne Mortgage Company was the largest mortgage company, Huntington National Bank the largest bank and 4Front Credit Union the largest credit union. Among lenders headquartered in Michigan, 4Front Credit Union led with 7 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 Sault Ste. Marie, MI
By home loans closed in 2025, Huntington National Bank was the largest mortgage lender in Sault Ste. Marie, Michigan with 8 loans, about 6.8 percent of the market. The largest lender headquartered in Michigan was 4Front Credit Union with 7 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
11 lenders closed FHA loans in Sault Ste. Marie, Michigan in 2025, led by Rocket Mortgage with 7. 11 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. 11 banks and 7 credit unions closed home loans in Sault Ste. Marie, Michigan in 2025, alongside 28 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 Sault Ste. Marie, 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 Sault Ste. Marie, 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 Sault Ste. Marie. 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.
