Mortgage Lenders and Brokers in St. Johns, 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. Johns, Michigan mortgage lenders include Fifth Third Bank, National AssociationFifth Third Bank, National Association475 Ada Drive, Ada Township, MI 49301A+5.0 ★Texas Ratio: 3.22%, Dart BankDart Bank2469 Cedar Street, Delhi Township, MI 48842A-4.9 ★Texas Ratio: 16.59%, 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, Flagstar Bank NAFlagstar Bank NA3233 Fairlane Dr, Allen Park, MI 48101D3.3 ★Texas Ratio: 35.11%, Mercantile BankMercantile Bank230 Woodworth Ave, Alma, MI 48801A+5.0 ★Texas Ratio: 0.63%, LafcuLafcu1553 Lansing Rd, Charlotte, MI 48813A+5.0 ★Texas Ratio: 1.86%, Northpointe BankNorthpointe Bank3333 Deposit Dr Ne, Grand Rapids, MI 49546A5.0 ★Texas Ratio: 8.47%, PNC Bank N.A.PNC Bank N.A.855 Marshall St, Allegan, MI 49010A+5.0 ★Texas Ratio: 4.24%, and JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA455 Ada Dr Se, Ada, MI 49301A+5.0 ★Texas Ratio: 3.68%. 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. Johns, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in St. Johns 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. Johns, Michigan
Market share is the lender's share of all home loans closed in St. Johns, 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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475 Ada Drive, Ada Township, MI 49301 A+5.0 ★Texas Ratio: 3.22% |
Conventional, FHA, HELOC | 15 +15 HELOCs |
7.3% | 78.9% | $249,000 | View |
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2469 Cedar Street, Delhi Township, MI 48842 A-4.9 ★Texas Ratio: 16.59% |
Conventional, FHA, HELOC | 13 +4 HELOCs |
6.3% | 88.2% | $278,076 | View |
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202 W Maumee St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 3.66% |
Conventional, HELOC | 7 +13 HELOCs |
3.4% | 80% | $165,000 | View |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
Conventional, HELOC | 4 +1 HELOCs |
1.9% | 80% | $162,500 | |
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3233 Fairlane Dr, Allen Park, MI 48101 D3.3 ★Texas Ratio: 35.11% |
Conventional, FHA | 4 | 1.9% | 62.5% | $207,500 | View |
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230 Woodworth Ave, Alma, MI 48801 A+5.0 ★Texas Ratio: 0.63% |
Conventional | 4 | 1.9% | 80% | $135,000 | View |
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1553 Lansing Rd, Charlotte, MI 48813 A+5.0 ★Texas Ratio: 1.86% |
Conventional | 4 | 1.9% | 80% | $67,500 | View |
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3333 Deposit Dr Ne, Grand Rapids, MI 49546 A5.0 ★Texas Ratio: 8.47% |
Conventional, FHA | 2 | 1% | 66.7% | $175,000 | 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 +3 HELOCs |
0.5% | 100% | $205,000 | View |
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455 Ada Dr Se, Ada, MI 49301 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 33.3% | $115,000 | View |
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2400 West Rd, East Lansing, MI 48823 7347 A+5.0 ★Texas Ratio: 5.11% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 50% | $255,000 | View |
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2910 Carpenter Rd, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 1.86% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $155,000 | View |
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5750 Baypointe Blvd, Clarkston, MI 48346 3192 A+5.0 ★Texas Ratio: 4.06% |
Conventional | 1 | 0.5% | 100% | $195,000 | View |
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14049 Lindsey Pvt Ln, Dewitt, MI 48820 A+5.0 ★Texas Ratio: 4.17% |
Conventional | 1 | 0.5% | 33.3% | $15,000 | View |
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1004 W Midland Rd, Auburn, MI 48611 A5.0 ★Texas Ratio: 6.46% |
Conventional | 1 | 0.5% | 100% | $105,000 | View |
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2230 S Center Rd, Burton, MI 48519 A+5.0 ★Texas Ratio: 5.96% |
Conventional | 1 | 0.5% | 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 | 0.5% | 100% | $65,000 | View |
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★ 1 stars, 1 review 2222 Packard St, Ann Arbor, MI 48104 6368 A5.0 ★Texas Ratio: 6.91% |
Conventional | 1 | 0.5% | 100% | $35,000 | View |
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131 S Main St, Brooklyn, MI 49230 A5.0 ★Texas Ratio: 9.21% |
Conventional | 1 | 0.5% | 100% | $135,000 | View |
Member First Mortgage, LLC
650 W 5th St, Clare, MI 48617 |
Conventional | 1 | 0.5% | 100% | $125,000 | |
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236 S Cochran Ave, Charlotte, MI 48813 A5.0 ★Texas Ratio: 6.35% |
Conventional | 1 | 0.5% | 100% | $265,000 | View |
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3930 S State Rd, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 4.12% |
Conventional | 1 | 0.5% | 100% | $215,000 | View |
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710 N Van Dyke Rd, Bad Axe, MI 48413 A5.0 ★Texas Ratio: 8.18% |
Conventional | 1 | 0.5% | 50% | $395,000 | View |
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6081 B Dr N, Battle Creek, MI 49014 8367 A+5.0 ★Texas Ratio: 3.56% |
HELOC | 0 +3 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 +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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340 E Huron St, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 5.54% |
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 | |
Rocket Mortgage
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Conventional, FHA, VA | 32 | 15.5% | 85% | $178,437 | |
Msu Federal Credit Union
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Conventional, HELOC | 12 +10 HELOCs |
5.8% | 100% | $213,333 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 7 | 3.4% | 58.3% | $195,000 | |
Mortgage 1 Incorporated
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Conventional, FHA, VA | 5 | 2.4% | 100% | $305,000 | |
VanDyk Mortgage Corporation
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Conventional, FHA | 4 | 1.9% | 80% | $215,000 | |
Mortgage Center LC
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Conventional | 3 | 1.5% | 100% | $231,666 | |
Staunton Financial Inc
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Conventional | 2 | 1% | 100% | $230,000 | |
Legacy Mortgage
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FHA | 1 | 0.5% | 100% | $165,000 | |
Union Home Mortgage Corp.
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Conventional, FHA, USDA, HELOC | 16 +3 HELOCs |
7.8% | 100% | $192,500 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 6 | 2.9% | 100% | $163,333 | |
American Pacific Mortgage Corporation
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Conventional, FHA, VA | 5 | 2.4% | 100% | $209,000 | |
loanDepot.com LLC
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Conventional, FHA | 3 | 1.5% | 100% | $115,000 | |
Guild Mortgage Company
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Conventional | 3 | 1.5% | 100% | $118,333 | |
Mortgage300 Corporation
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Conventional | 3 | 1.5% | 100% | $225,000 | |
Nationstar Mortgage
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Conventional, VA | 3 | 1.5% | 100% | $95,000 | |
Newrez LLC
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Conventional, FHA | 2 | 1% | 66.7% | $105,000 | |
Amerisave Mortgage Company
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Conventional, FHA | 2 | 1% | 100% | $120,000 | |
Mortgage Research Center
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VA | 2 | 1% | 33.3% | $195,000 | |
New American Funding, LLC.
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Conventional | 2 | 1% | 100% | $180,000 | |
Carrington Mortgage Services LLC
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Conventional, FHA | 2 | 1% | 50% | $105,000 | |
Spring Eq, LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.5% | 25% | $65,000 | |
EMM Loans LLC
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FHA | 1 | 0.5% | 100% | $285,000 | |
Cornerstone First Mortgage, LLC
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VA | 1 | 0.5% | 100% | $245,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 0.5% | 100% | $185,000 | |
Greenstate Credit Union
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Conventional | 1 | 0.5% | 50% | $25,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 0.5% | 100% | $325,000 | |
PHH Mortgage Corporation
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VA | 1 | 0.5% | 50% | $225,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
FHA | 1 | 0.5% | 100% | $135,000 | View |
United Trust Bank
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VA | 1 | 0.5% | 100% | $305,000 | |
Discover Bank
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Conventional | 1 | 0.5% | 100% | $85,000 | |
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A+5.0 ★Texas Ratio: 5.26% |
Conventional | 1 | 0.5% | 100% | $125,000 | View |
New Day Financial, LLC.
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VA | 1 | 0.5% | 50% | $195,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 0.5% | 100% | $225,000 | View |
Churchill Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $135,000 | |
Profed Federal Credit Union
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Conventional | 1 | 0.5% | 100% | $255,000 | |
Pentagon Federal Credit Union
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FHA | 1 | 0.5% | 100% | $225,000 | |
RoundPoint Mortgage Servicing LLC
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Conventional | 1 | 0.5% | 100% | $205,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.5% | 100% | $75,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.5% | 100% | $305,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
VA | 1 | 0.5% | 100% | $355,000 | View |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.5% | 100% | $215,000 | View |
Plaza Home Mortgage, Inc
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VA | 1 | 0.5% | 100% | $225,000 | |
Village Capital & Investment
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VA | 1 | 0.5% | 100% | $205,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Better Mortgage Corporation
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Gte Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 3.56% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
St. Johns 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. Johns, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in St. Johns? The list below shows the banks, credit unions and mortgage brokers that closed home loans in St. Johns in 2025, with lenders based there listed first.
Types of Mortgage Lenders in St. Johns, MI
Use these to narrow the list above. Each category shows how many St. Johns, MI lenders fit and what that kind of lender is usually best for.
Who Lends in St. Johns, MI
Independent mortgage companies closed 55.3 percent of home loans in St. Johns, Michigan in 2025, banks 27.7 percent and credit unions 17 percent. Member First Mortgage, LLC was the largest mortgage company, Fifth Third Bank, National Association the largest bank and Lake Michigan Credit Union the largest credit union. Among lenders headquartered in Michigan, Dart Bank led with 13 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. Johns, MI
By home loans closed in 2025, Fifth Third Bank, National Association was the largest mortgage lender in St. Johns, Michigan with 15 loans, about 7.3 percent of the market. The largest lender headquartered in Michigan was Dart Bank with 13 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
19 lenders closed FHA loans in St. Johns, Michigan in 2025, led by Rocket Mortgage with 11. 15 lenders closed VA loans, led by Mortgage 1 Incorporated, and 1 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. 20 banks and 22 credit unions closed home loans in St. Johns, Michigan in 2025, alongside 35 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. Johns, 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. Johns, 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. Johns. 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.
