Mortgage Lenders and Brokers in Sterling, 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
Sterling, Michigan mortgage lenders include Huntington National BankHuntington National Bank202 W Maumee St, Adrian, MI 49221A+5.0 ★Texas Ratio: 3.66%, United Bay Community CUUnited Bay Community CU1309 N Lincoln St, Bay City, MI 48708 6172A5.0 ★Texas Ratio: 6.23%, Dart BankDart Bank2469 Cedar Street, Delhi Township, MI 48842A-4.9 ★Texas Ratio: 16.59%, First National Bank of AmericaFirst National Bank of America241 E Saginaw St, East Lansing, MI 48823B-4.3 ★Texas Ratio: 23.12%, Mercantile BankMercantile Bank230 Woodworth Ave, Alma, MI 48801A+5.0 ★Texas Ratio: 0.63%, Horizon BankHorizon Bank144 W Huron Rd, Au Gres, MI 48703A+5.0 ★Texas Ratio: 4.40%, Independent BankIndependent Bank1004 W Midland Rd, Auburn, MI 48611A5.0 ★Texas Ratio: 6.46%, Genisys Credit UnionGenisys Credit Union2100 Executive Hills Dr, Auburn Hills, MI 48326 2947A+5.0 ★Texas Ratio: 5.37%, Loc Credit UnionLoc Credit Union1025 E Grand River Ave, Brighton, MI 48116 1803A+5.0 ★Texas Ratio: 1.78%, and Wildfire Credit UnionWildfire Credit Union2936 Wilder Rd, Bay City, MI 48706A+5.0 ★Texas Ratio: 3.16%. 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 Sterling, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Sterling 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 Sterling, Michigan
Market share is the lender's share of all home loans closed in Sterling, 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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202 W Maumee St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 3.66% |
Conventional, HELOC | 3 +5 HELOCs |
5.8% | 100% | $95,000 | View |
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1309 N Lincoln St, Bay City, MI 48708 6172 A5.0 ★Texas Ratio: 6.23% |
Conventional | 3 | 5.8% | 100% | $45,000 | View |
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2469 Cedar Street, Delhi Township, MI 48842 A-4.9 ★Texas Ratio: 16.59% |
Conventional, FHA | 2 | 3.8% | 100% | $195,000 | View |
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241 E Saginaw St, East Lansing, MI 48823 B-4.3 ★Texas Ratio: 23.12% |
Conventional | 2 | 3.8% | 100% | $115,000 | View |
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230 Woodworth Ave, Alma, MI 48801 A+5.0 ★Texas Ratio: 0.63% |
Conventional, HELOC | 1 +2 HELOCs |
1.9% | 33.3% | $45,000 | View |
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144 W Huron Rd, Au Gres, MI 48703 A+5.0 ★Texas Ratio: 4.40% |
Conventional, HELOC | 1 +2 HELOCs |
1.9% | 100% | $135,000 | View |
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1004 W Midland Rd, Auburn, MI 48611 A5.0 ★Texas Ratio: 6.46% |
Conventional, HELOC | 1 +1 HELOCs |
1.9% | 100% | $255,000 | View |
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2100 Executive Hills Dr, Auburn Hills, MI 48326 2947 A+5.0 ★Texas Ratio: 5.37% |
Conventional | 1 | 1.9% | 100% | $135,000 | View |
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1025 E Grand River Ave, Brighton, MI 48116 1803 A+5.0 ★Texas Ratio: 1.78% |
Conventional | 1 | 1.9% | 100% | $175,000 | View |
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2936 Wilder Rd, Bay City, MI 48706 A+5.0 ★Texas Ratio: 3.16% |
Conventional | 1 | 1.9% | 100% | $155,000 | 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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39440 W 14 Mile Rd, Commerce Township, MI 48390 3907 A+5.0 ★Texas Ratio: 5.61% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 1.7 stars, 3 reviews 855 Marshall St, Allegan, MI 49010 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Rocket Mortgage
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Conventional, FHA, VA | 9 | 17.3% | 66.7% | $156,111 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 6 | 11.5% | 85.7% | $163,333 | |
Staunton Financial Inc
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Conventional | 3 | 5.8% | 100% | $208,333 | |
GreenStone Farm Credit Services
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Conventional | 2 | 3.8% | 100% | $255,000 | |
Mortgage Research Center
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VA | 3 | 5.8% | 75% | $121,666 | |
Residential Wholesale Mortgage
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Conventional | 2 | 3.8% | 100% | $305,000 | |
Lakeview Loan Servicing, LLC
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VA | 2 | 3.8% | 100% | $230,000 | |
Guaranteed Rate, Inc.
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FHA | 1 | 1.9% | 100% | $125,000 | |
Freedom Mortgage Corporation
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VA | 1 | 1.9% | 100% | $95,000 | |
Newrez LLC
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Conventional | 1 | 1.9% | 100% | $75,000 | |
Pennymac Loan Services LLC
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FHA | 1 | 1.9% | 100% | $185,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 1.9% | 50% | $35,000 | |
Das Acquisition Company, LLC
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Conventional | 1 | 1.9% | 100% | $155,000 | |
Mortgage300 Corporation
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FHA | 1 | 1.9% | 100% | $125,000 | |
21St Mortgage
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Conventional | 1 | 1.9% | 100% | $155,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 1.9% | 100% | $55,000 | View |
Sterling 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 Sterling, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Sterling? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Sterling in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Sterling, MI
Use these to narrow the list above. Each category shows how many Sterling, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Sterling, MI
Independent mortgage companies closed 67.3 percent of home loans in Sterling, Michigan in 2025, banks 21.2 percent and credit unions 11.5 percent. Rocket Mortgage was the largest mortgage company, Huntington National Bank the largest bank and United Bay Community CU the largest credit union. Among lenders headquartered in Michigan, United Bay Community CU led with 3 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 Sterling, MI
By home loans closed in 2025, Huntington National Bank was the largest mortgage lender in Sterling, Michigan with 3 loans, about 5.8 percent of the market. The largest lender headquartered in Michigan was United Bay Community CU with 3 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
6 lenders closed FHA loans in Sterling, Michigan in 2025, led by United Wholesale Mortgage with 2. 5 lenders closed VA loans, led by Mortgage Research Center. 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. 9 banks and 5 credit unions closed home loans in Sterling, Michigan in 2025, alongside 15 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 Sterling, 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 Sterling, 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 Sterling. 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.
