Mortgage Lenders and Brokers in St. Charles, 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
St. Charles, Michigan mortgage lenders include Frankenmuth Credit UnionFrankenmuth Credit Union710 N Van Dyke Rd, Bad Axe, MI 48413A5.0 ★Texas Ratio: 8.18%, Mercantile BankMercantile Bank230 Woodworth Ave, Alma, MI 48801A+5.0 ★Texas Ratio: 0.63%, Independent BankIndependent Bank1004 W Midland Rd, Auburn, MI 48611A5.0 ★Texas Ratio: 6.46%, Financial Plus Credit UnionFinancial Plus Credit Union4129 N Euclid Ave, Bay City, MI 48706, Wildfire Credit UnionWildfire Credit Union2936 Wilder Rd, Bay City, MI 48706A+5.0 ★Texas Ratio: 3.16%, Huntington National BankHuntington National Bank202 W Maumee St, Adrian, MI 49221A+5.0 ★Texas Ratio: 3.66%, Lake Michigan Credit UnionLake Michigan Credit Union496 Ada Dr SE STE 103, Ada, MI 49301, United Financial Credit UnionUnited Financial Credit Union1026 W Midland Rd, AUBURN, MI 48611A+5.0 ★Texas Ratio: 4.11%, Citizens Bank, NACitizens Bank, NA455 E Eisenhower Pkwy, Ann Arbor, MI 48108A+5.0 ★Texas Ratio: 5.44%, and Dart BankDart Bank2469 Cedar Street, Delhi Township, MI 48842A-4.9 ★Texas Ratio: 16.59%. 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 St. Charles, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in St. Charles 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 St. Charles, Michigan
Market share is the lender's share of all home loans closed in St. Charles, 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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710 N Van Dyke Rd, Bad Axe, MI 48413 A5.0 ★Texas Ratio: 8.18% |
Conventional | 9 | 5.7% | 100% | $138,333 | View |
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230 Woodworth Ave, Alma, MI 48801 A+5.0 ★Texas Ratio: 0.63% |
Conventional, HELOC | 8 +1 HELOCs |
5.1% | 88.9% | $123,750 | View |
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1004 W Midland Rd, Auburn, MI 48611 A5.0 ★Texas Ratio: 6.46% |
Conventional, FHA | 5 | 3.2% | 71.4% | $241,000 | View |
Financial Plus Credit Union
4129 N Euclid Ave, Bay City, MI 48706 |
Conventional | 5 | 3.2% | 83.3% | $75,000 | |
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2936 Wilder Rd, Bay City, MI 48706 A+5.0 ★Texas Ratio: 3.16% |
Conventional | 4 | 2.5% | 100% | $97,500 | View |
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202 W Maumee St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 3.66% |
Conventional, VA, HELOC | 3 +4 HELOCs |
1.9% | 50% | $251,666 | View |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
Conventional, HELOC | 3 +2 HELOCs |
1.9% | 75% | $278,333 | |
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1026 W Midland Rd, AUBURN, MI 48611 A+5.0 ★Texas Ratio: 4.11% |
Conventional | 3 | 1.9% | 100% | $158,333 | View |
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455 E Eisenhower Pkwy, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 2 +2 HELOCs |
1.3% | 100% | $120,000 | View |
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2469 Cedar Street, Delhi Township, MI 48842 A-4.9 ★Texas Ratio: 16.59% |
Conventional | 2 | 1.3% | 100% | $215,000 | View |
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314 E Midland St, Bay City, MI 48706 A5.0 ★Texas Ratio: 6.25% |
Conventional | 2 | 1.3% | 100% | $130,000 | View |
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1309 N Lincoln St, Bay City, MI 48708 6172 A5.0 ★Texas Ratio: 6.23% |
Conventional | 2 | 1.3% | 100% | $50,000 | View |
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475 Ada Drive, Ada Township, MI 49301 A+5.0 ★Texas Ratio: 3.22% |
VA, HELOC | 1 +1 HELOCs |
0.6% | 100% | $255,000 | 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 |
0.6% | 100% | $175,000 | View |
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404 S Euclid Ave, Bay City, MI 48706 3206 A+5.0 ★Texas Ratio: 0.29% |
Conventional | 1 | 0.6% | 100% | $365,000 | View |
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49 N Benzie Blvd, Beulah, MI 49617 A+5.0 ★Texas Ratio: 1.81% |
Conventional | 1 | 0.6% | 100% | $215,000 | View |
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1479 Straits Dr, Bay City, MI 48706 A+5.0 ★Texas Ratio: 4.72% |
Conventional | 1 | 0.6% | 33.3% | $35,000 | View |
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915 S Euclid Ave, Bay City, MI 48706 A+5.0 ★Texas Ratio: 2.11% |
Conventional | 1 | 0.6% | 100% | $145,000 | View |
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5750 Baypointe Blvd, Clarkston, MI 48346 3192 A+5.0 ★Texas Ratio: 4.06% |
FHA | 1 | 0.6% | 50% | $95,000 | View |
Dow Credit Union
600 E Lyon Rd, Midland, MI 48640 5396 |
Conventional | 1 | 0.6% | 100% | $55,000 | |
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2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54% |
Conventional | 1 | 0.6% | 100% | $105,000 | View |
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1515 S Main St, Eaton Rapids, MI 48827 1951 A+5.0 ★Texas Ratio: 3.02% |
Conventional | 1 | 0.6% | 100% | $85,000 | View |
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6451 Cherry Meadow Dr SE, Caledonia, MI 49316 A+5.0 ★Texas Ratio: 2.00% |
Conventional | 1 | 0.6% | 100% | $155,000 | View |
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34100 Woodward Ave, Birmingham, MI 48009 A+5.0 ★Texas Ratio: 5.36% |
FHA | 1 | 0.6% | 100% | $225,000 | View |
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2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54% |
VA | 1 | 0.6% | 100% | $495,000 | View |
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5515 Van Dyke Rd, Almont, MI 48003 A+5.0 ★Texas Ratio: 5.45% |
Conventional | 1 | 0.6% | 16.7% | $35,000 | View |
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240 E Northern Ave, Barryton, MI 49305 A+5.0 ★Texas Ratio: 4.10% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
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2100 Executive Hills Dr, Auburn Hills, MI 48326 2947 A+5.0 ★Texas Ratio: 5.37% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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2151 W Stadium Blvd, Ann Arbor, MI 48103 4543 A+5.0 ★Texas Ratio: 3.99% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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395 Briarwood Cir, Ann Arbor, MI 48108 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 | |
Rocket Mortgage
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Conventional, FHA, VA | 18 | 11.4% | 72% | $178,333 | |
Mortgage 1 Incorporated
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Conventional, FHA, USDA | 11 | 7% | 100% | $181,363 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 5 | 3.2% | 75% | $289,000 | |
Legacy Mortgage
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Conventional, FHA | 4 | 2.5% | 100% | $150,000 | |
Staunton Financial Inc
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Conventional, FHA | 4 | 2.5% | 100% | $207,500 | |
Health Advantage Federal Credi
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Conventional | 3 | 1.9% | 100% | $125,000 | |
BLG Holdings, LLC
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Conventional, FHA, VA | 3 | 1.9% | 100% | $265,000 | |
Msu Federal Credit Union
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Conventional | 1 | 0.6% | 100% | $195,000 | |
Ross Mortgage Corporation
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Conventional | 1 | 0.6% | 100% | $135,000 | |
Das Acquisition Company, LLC
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Conventional, FHA, USDA | 5 | 3.2% | 83.3% | $155,000 | |
Mortgage Research Center
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VA | 4 | 2.5% | 66.7% | $262,500 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 3 | 1.9% | 75% | $198,333 | |
Freedom Mortgage Corporation
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FHA, VA | 3 | 1.9% | 100% | $161,666 | |
New American Funding, LLC.
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FHA, USDA | 3 | 1.9% | 75% | $168,333 | |
Movement Mortgage, LLC
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FHA, VA | 2 | 1.3% | 100% | $195,000 | |
Mortgage300 Corporation
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Conventional, VA | 2 | 1.3% | 100% | $255,000 | |
Nationstar Mortgage
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Conventional | 2 | 1.3% | 100% | $50,000 | |
Consumer Real Estate Finance Co DBA Society Mortgage
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USDA | 1 | 0.6% | 100% | $135,000 | |
Everett Financial, Inc.
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FHA | 1 | 0.6% | 100% | $405,000 | |
Lakeview Loan Servicing, LLC
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FHA | 1 | 0.6% | 50% | $95,000 | |
Nbkc Bank
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Conventional | 1 | 0.6% | 100% | $165,000 | |
Delmar Financial Company
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Conventional | 1 | 0.6% | 100% | $215,000 | |
PHH Mortgage Corporation
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FHA | 1 | 0.6% | 100% | $125,000 | |
Pennymac Loan Services LLC
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VA | 1 | 0.6% | 33.3% | $205,000 | |
Amerisave Mortgage Company
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VA | 1 | 0.6% | 33.3% | $135,000 | |
American Financial Network, Inc.
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Conventional | 1 | 0.6% | 100% | $455,000 | |
Cmg Mortgage Inc
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Conventional | 1 | 0.6% | 100% | $245,000 | |
Sun West Mortgage Company, Inc
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FHA | 1 | 0.6% | 100% | $105,000 | |
Ez Fundings Inc
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Conventional | 1 | 0.6% | 100% | $255,000 | |
Click n' Close, Inc.
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Conventional | 1 | 0.6% | 100% | $305,000 | |
Union Home Mortgage Corp.
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FHA | 1 | 0.6% | 50% | $425,000 | |
New Day Financial, LLC.
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VA | 1 | 0.6% | 100% | $165,000 | |
Planet Home Lending, LLC
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FHA | 1 | 0.6% | 100% | $245,000 | |
Waterstone Mortgage Corporation
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FHA | 1 | 0.6% | 100% | $175,000 | |
Stockton Mortgage Corporation
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FHA | 1 | 0.6% | 100% | $255,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.6% | 100% | $145,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.6% | 100% | $175,000 | |
Geneva Financial LLC
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Conventional | 1 | 0.6% | 100% | $165,000 | |
JMAC Lending, Inc.
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USDA | 1 | 0.6% | 100% | $215,000 | |
HomeBridge Financial Services, Inc
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
St. Charles 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 St. Charles, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in St. Charles? The list below shows the banks, credit unions and mortgage brokers that closed home loans in St. Charles in 2025, with lenders based there listed first.
Types of Mortgage Lenders in St. Charles, MI
Use these to narrow the list above. Each category shows how many St. Charles, MI lenders fit and what that kind of lender is usually best for.
Who Lends in St. Charles, MI
Independent mortgage companies closed 57.6 percent of home loans in St. Charles, Michigan in 2025, banks 17.1 percent and credit unions 25.3 percent. Towne Mortgage Company was the largest mortgage company, Mercantile Bank the largest bank and Frankenmuth Credit Union the largest credit union. Among lenders headquartered in Michigan, Frankenmuth Credit Union led with 9 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 St. Charles, MI
By home loans closed in 2025, Frankenmuth Credit Union was the largest mortgage lender in St. Charles, Michigan with 9 loans, about 5.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
22 lenders closed FHA loans in St. Charles, Michigan in 2025, led by Mortgage 1 Incorporated with 4. 13 lenders closed VA loans, led by Mortgage Research Center, and 5 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. 14 banks and 20 credit unions closed home loans in St. Charles, Michigan in 2025, alongside 38 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 St. Charles, 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 St. Charles, 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 St. Charles. 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.
