Mortgage Lenders and Brokers in Spring 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
Spring Lake, Michigan mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA101 W Savidge St, Spring Lake, MI 49456A+5.0 ★Texas Ratio: 3.68%, Huntington National BankHuntington National Bank123 W Savidge St, Spring Lake, MI 49456A+5.0 ★Texas Ratio: 3.66%, Lake Michigan Credit UnionLake Michigan Credit Union496 Ada Dr SE STE 103, Ada, MI 49301, Fifth Third Bank, National AssociationFifth Third Bank, National Association100 3rd, Spring Lake, MI 49456A+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%, Independent BankIndependent Bank1004 W Midland Rd, Auburn, MI 48611A5.0 ★Texas Ratio: 6.46%, Dart BankDart Bank2469 Cedar Street, Delhi Township, MI 48842A-4.9 ★Texas Ratio: 16.59%, Lake Trust Credit UnionLake Trust Credit Union2222 Packard St, Ann Arbor, MI 48104 6368A5.0 ★Texas Ratio: 6.91%, Mercantile BankMercantile Bank230 Woodworth Ave, Alma, MI 48801A+5.0 ★Texas Ratio: 0.63%, and ChoiceOne BankChoiceOne Bank5515 Van Dyke Rd, Almont, MI 48003A+5.0 ★Texas Ratio: 5.45%. 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 Spring Lake, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Spring 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 Spring Lake, Michigan
Market share is the lender's share of all home loans closed in Spring 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 Spring Lake 101 W Savidge St, Spring Lake, MI 49456 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo, HELOC | 8 +1 HELOCs |
4.1% | 88.9% | $287,500 | View |
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1 office in Spring Lake 123 W Savidge St, Spring Lake, MI 49456 A+5.0 ★Texas Ratio: 3.66% |
Conventional, HELOC | 4 +15 HELOCs |
2.1% | 50% | $285,000 | View |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
Conventional, FHA, VA, Jumbo, HELOC | 50 +28 HELOCs |
25.8% | 100% | $424,600 | |
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100 3rd, Spring Lake, MI 49456 A+5.0 ★Texas Ratio: 3.22% |
Conventional, FHA, HELOC | 12 +14 HELOCs |
6.2% | 92.3% | $235,833 | View |
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6081 B Dr N, Battle Creek, MI 49014 8367 A+5.0 ★Texas Ratio: 3.56% |
Conventional, HELOC | 3 +3 HELOCs |
1.5% | 100% | $98,333 | View |
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1004 W Midland Rd, Auburn, MI 48611 A5.0 ★Texas Ratio: 6.46% |
Conventional, HELOC | 2 +3 HELOCs |
1% | 100% | $300,000 | View |
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2469 Cedar Street, Delhi Township, MI 48842 A-4.9 ★Texas Ratio: 16.59% |
Conventional, FHA | 2 | 1% | 100% | $260,000 | View |
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★ 1 stars, 1 review 2222 Packard St, Ann Arbor, MI 48104 6368 A5.0 ★Texas Ratio: 6.91% |
Conventional | 2 | 1% | 100% | $50,000 | View |
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230 Woodworth Ave, Alma, MI 48801 A+5.0 ★Texas Ratio: 0.63% |
Conventional | 2 | 1% | 100% | $265,000 | View |
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5515 Van Dyke Rd, Almont, MI 48003 A+5.0 ★Texas Ratio: 5.45% |
Conventional | 2 | 1% | 100% | $225,000 | View |
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1422 S Winter St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 4.98% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $395,000 | View |
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612 W Savidge St, Spring Lake, MI 49456 A5.0 ★Texas Ratio: 8.29% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $295,000 | View |
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★ 1.7 stars, 3 reviews 855 Marshall St, Allegan, MI 49010 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $615,000 | View |
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2100 Executive Hills Dr, Auburn Hills, MI 48326 2947 A+5.0 ★Texas Ratio: 5.37% |
Conventional | 1 | 0.5% | 100% | $455,000 | 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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17228 Van Wagoner Rd, Spring Lake, MI 49456 9702 A+5.0 ★Texas Ratio: 0.81% |
Conventional | 1 | 0.5% | 100% | $65,000 | View |
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1253 Lincoln Rd, Allegan, MI 49010 A+5.0 ★Texas Ratio: 5.27% |
Conventional | 1 | 0.5% | 100% | $25,000 | 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% | $15,000 | View |
Wmcu
825 Division St, Big Rapids, MI 49307 2229 |
Conventional | 1 | 0.5% | 100% | $155,000 | |
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232 W Monroe St, Bangor, MI 49013 A5.0 ★Texas Ratio: 9.46% |
Conventional | 1 | 0.5% | 100% | $305,000 | View |
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50 Crahen Ave Ne, Grand Rapids, MI 49525 A+5.0 ★Texas Ratio: 0.88% |
Conventional | 1 | 0.5% | 100% | $295,000 | View |
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34100 Woodward Ave, Birmingham, MI 48009 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.5% | 100% | $595,000 | View |
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6299 Lake Michigan Dr, Allendale, MI 49401 A+5.0 ★Texas Ratio: 0.50% |
Conventional | 1 | 0.5% | 100% | $55,000 | View |
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2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54% |
Conventional | 1 | 0.5% | 100% | $295,000 | View |
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2222 Holton Road, Dalton Township, MI 49445 A+5.0 ★Texas Ratio: 0.91% |
Conventional | 1 | 0.5% | 100% | $305,000 | View |
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395 Briarwood Cir, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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101 N Main St Ste 100, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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4141 Jackson Rd, Ann Arbor, MI 48103 1827 A+5.0 ★Texas Ratio: 1.03% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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3030 S Adrian Hwy, Adrian, MI 49221 A+5.0 ★Texas Ratio: 0.45% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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7200 KALAMAZOO AVE SE, CALEDONIA, MI 49316 A5.0 ★Texas Ratio: 12.10% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
United Wholesale Mortgage
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Conventional, VA, Jumbo | 15 | 7.7% | 93.8% | $342,333 | |
Rocket Mortgage
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Conventional, FHA | 14 | 7.2% | 82.4% | $258,571 | |
Mortgage 1 Incorporated
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Conventional | 11 | 5.7% | 91.7% | $312,272 | |
Northern Mortgage Services, LLC
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Conventional, VA | 2 | 1% | 100% | $355,000 | |
Msu Federal Credit Union
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Conventional, HELOC | 1 +2 HELOCs |
0.5% | 100% | $315,000 | |
Michigan Mutual, Inc
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Conventional | 1 | 0.5% | 50% | $225,000 | |
VanDyk Mortgage Corporation
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FHA | 1 | 0.5% | 100% | $255,000 | |
Mortgage Center LC
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Conventional | 1 | 0.5% | 100% | $255,000 | |
CrossCountry Mortgage, LLC
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Conventional, VA, HELOC | 4 +1 HELOCs |
2.1% | 100% | $452,500 | |
Zippy Loans, LLC
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Conventional | 4 | 2.1% | 33.3% | $77,500 | |
Pennymac Loan Services LLC
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Conventional | 3 | 1.5% | 100% | $255,000 | |
Guaranteed Rate, Inc.
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Conventional | 2 | 1% | 100% | $475,000 | |
Kind Lending, LLC
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Conventional | 2 | 1% | 100% | $260,000 | |
loanDepot.com LLC
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Conventional, VA | 2 | 1% | 66.7% | $270,000 | |
Triad Financial Services, Inc.
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Conventional | 2 | 1% | 75% | $95,000 | |
Greenwood Credit Union
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Conventional | 2 | 1% | 100% | $40,000 | |
American Pacific Mortgage Corporation
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Conventional | 2 | 1% | 100% | $110,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 1% | 100% | $415,000 | View |
Navy Federal Credit Union
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Conventional, VA | 2 | 1% | 100% | $260,000 | |
Ruoff Mortgage Company
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VA | 1 | 0.5% | 100% | $365,000 | |
Cornerstone First Mortgage, LLC
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Conventional | 1 | 0.5% | 100% | $255,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.5% | 50% | $315,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.5% | 50% | $155,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.5% | 100% | $265,000 | |
Union Home Mortgage Corp.
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VA | 1 | 0.5% | 100% | $165,000 | |
First Colony Mortgage Corporat
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Conventional | 1 | 0.5% | 100% | $335,000 | |
T2 Financial LLC
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Conventional | 1 | 0.5% | 100% | $685,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.5% | 25% | $135,000 | |
Mortgage Research Center
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VA | 1 | 0.5% | 100% | $325,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $215,000 | |
Zillow Home Loans, LLC
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FHA | 1 | 0.5% | 100% | $465,000 | |
Prosperity Home Mortgage, LLC
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FHA | 1 | 0.5% | 100% | $305,000 | |
Mutual of Omaha Mortgage
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FHA | 1 | 0.5% | 100% | $215,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.5% | 100% | $515,000 | View |
21St Mortgage
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Conventional | 1 | 0.5% | 50% | $45,000 | |
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C+4.1 ★Texas Ratio: 25.91% |
Conventional | 1 | 0.5% | 50% | $355,000 | View |
Leaderone Financial Corp.
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Conventional | 1 | 0.5% | 100% | $285,000 | |
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A5.0 ★Texas Ratio: 6.17% |
Conventional | 1 | 0.5% | 100% | $75,000 | View |
Figure Lending LLC
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Spring 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 Spring Lake, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Spring Lake? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Spring Lake in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Spring Lake, MI
Use these to narrow the list above. Each category shows how many Spring Lake, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Spring Lake, MI
Independent mortgage companies closed 43.3 percent of home loans in Spring Lake, Michigan in 2025, banks 21.6 percent and credit unions 35.1 percent. Towne Mortgage Company was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Lake Michigan Credit Union the largest credit union. Among lenders headquartered in Michigan, Lake Michigan Credit Union led with 50 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 Spring Lake, MI
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Spring Lake, Michigan with 8 loans, about 4.1 percent of the market. The largest lender headquartered in Michigan was Lake Michigan Credit Union with 50 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Spring Lake, Michigan, Lake Michigan Credit Union approved the highest share of completed applications in 2025 at 100 percent, against a 87.1 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
8 lenders closed FHA loans in Spring Lake, Michigan in 2025, led by Rocket Mortgage with 3. 9 lenders closed VA loans, led by Lake Michigan Credit Union. 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. 20 banks and 17 credit unions closed home loans in Spring Lake, Michigan in 2025, alongside 34 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 Spring 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 Spring 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 Spring 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.
