Mortgage Lenders and Brokers in Sturgis, 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
Sturgis, Michigan mortgage lenders include Sturgis Bank & TrustSturgis Bank & Trust1001 S Centerville Rd, Sturgis, MI 49091A5.0 ★Texas Ratio: 9.46%, Southern Michigan Bank & TrustSouthern Michigan Bank & Trust711 South Centerville Road, Sturgis, MI 49091A5.0 ★Texas Ratio: 8.82%, Farmers State BankFarmers State Bank809 W Chicago Rd, Sturgis, MI 49091A+5.0 ★Texas Ratio: 0.14%, Flagstar Bank NAFlagstar Bank NA1372 S Centerville Rd, Sturgis, MI 49091D3.3 ★Texas Ratio: 35.11%, Huntington National BankHuntington National Bank100 E Chicago Rd, Sturgis, MI 49091A+5.0 ★Texas Ratio: 3.66%, OMNI Community Credit UnionOMNI Community Credit Union1313 S Centerville Rd, Sturgis, MI 49091 2516A+5.0 ★Texas Ratio: 2.36%, Member First Mortgage, LLCMember First Mortgage, LLC650 W 5th St, Clare, MI 48617, Arbor Financial Credit UnionArbor Financial Credit Union7200 KALAMAZOO AVE SE, CALEDONIA, MI 49316A5.0 ★Texas Ratio: 12.10%, Horizon BankHorizon Bank144 W Huron Rd, Au Gres, MI 48703A+5.0 ★Texas Ratio: 4.40%, 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 Sturgis, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Sturgis 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 Sturgis, Michigan
Market share is the lender's share of all home loans closed in Sturgis, 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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2 offices in Sturgis 1001 S Centerville Rd, Sturgis, MI 49091 A5.0 ★Texas Ratio: 9.46% |
Conventional, HELOC | 50 +24 HELOCs |
19.6% | 96.7% | $118,400 | View |
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2 offices in Sturgis 711 South Centerville Road, Sturgis, MI 49091 A5.0 ★Texas Ratio: 8.82% |
Conventional | 6 | 2.4% | 85.7% | $166,666 | View |
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1 office in Sturgis 809 W Chicago Rd, Sturgis, MI 49091 A+5.0 ★Texas Ratio: 0.14% |
Conventional, HELOC | 5 +4 HELOCs |
2% | 100% | $223,000 | View |
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1 office in Sturgis 1372 S Centerville Rd, Sturgis, MI 49091 D3.3 ★Texas Ratio: 35.11% |
Conventional, FHA, USDA, HELOC | 5 +1 HELOCs |
2% | 100% | $209,000 | View |
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1 office in Sturgis 100 E Chicago Rd, Sturgis, MI 49091 A+5.0 ★Texas Ratio: 3.66% |
Conventional, HELOC | 4 +12 HELOCs |
1.6% | 75% | $110,000 | View |
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1313 S Centerville Rd, Sturgis, MI 49091 2516 A+5.0 ★Texas Ratio: 2.36% |
Conventional, HELOC | 16 +14 HELOCs |
6.3% | 76.7% | $98,750 | View |
Member First Mortgage, LLC
650 W 5th St, Clare, MI 48617 |
Conventional, FHA | 5 | 2% | 100% | $125,000 | |
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7200 KALAMAZOO AVE SE, CALEDONIA, MI 49316 A5.0 ★Texas Ratio: 12.10% |
Conventional | 2 | 0.8% | 100% | $105,000 | View |
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144 W Huron Rd, Au Gres, MI 48703 A+5.0 ★Texas Ratio: 4.40% |
Conventional | 2 | 0.8% | 100% | $105,000 | View |
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455 Ada Dr Se, Ada, MI 49301 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.4% | 100% | $75,000 | View |
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1422 S Winter St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 4.98% |
Conventional | 1 | 0.4% | 100% | $85,000 | View |
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2151 W Stadium Blvd, Ann Arbor, MI 48103 4543 A+5.0 ★Texas Ratio: 3.99% |
Conventional | 1 | 0.4% | 100% | $65,000 | View |
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713 S Centerville Rd, Sturgis, MI 49091 A+5.0 ★Texas Ratio: 4.81% |
Conventional | 1 | 0.4% | 50% | $205,000 | View |
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3333 Deposit Dr Ne, Grand Rapids, MI 49546 A5.0 ★Texas Ratio: 8.47% |
Conventional | 1 | 0.4% | 100% | $135,000 | View |
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6081 B Dr N, Battle Creek, MI 49014 8367 A+5.0 ★Texas Ratio: 3.56% |
Conventional | 1 | 0.4% | 100% | $205,000 | View |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
Conventional | 1 | 0.4% | 100% | $305,000 | |
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475 Ada Drive, Ada Township, MI 49301 A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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1253 Lincoln Rd, Allegan, MI 49010 A+5.0 ★Texas Ratio: 5.27% |
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 | 17 | 6.7% | 70.8% | $208,529 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 7 | 2.7% | 77.8% | $185,000 | |
Success Mortgage Partners, Inc
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VA | 1 | 0.4% | 100% | $245,000 | |
Top Flite Financial, Inc.
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FHA | 1 | 0.4% | 100% | $115,000 | |
Ruoff Mortgage Company
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Conventional, FHA, USDA | 31 | 12.2% | 91.2% | $178,870 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA, VA | 28 | 11% | 100% | $187,857 | |
Cardinal Financial Company, Li
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Conventional, FHA, VA, USDA | 12 | 4.7% | 100% | $144,166 | |
Mortgage Research Center
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VA | 7 | 2.7% | 77.8% | $239,285 | |
Union Home Mortgage Corp.
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Conventional, FHA | 6 | 2.4% | 100% | $150,000 | |
loanDepot.com LLC
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Conventional, FHA | 5 | 2% | 83.3% | $79,000 | |
Freedom Mortgage Corporation
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FHA, VA | 4 | 1.6% | 80% | $210,000 | |
CrossCountry Mortgage, LLC
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Conventional | 3 | 1.2% | 75% | $168,333 | |
Gvc Mortgage, Inc.
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Conventional | 2 | 0.8% | 100% | $190,000 | |
Interra Credit Union
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Conventional | 2 | 0.8% | 100% | $350,000 | |
Pennymac Loan Services LLC
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FHA, VA | 2 | 0.8% | 100% | $285,000 | |
Amerisave Mortgage Company
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Conventional | 2 | 0.8% | 40% | $90,000 | |
New American Funding, LLC.
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FHA | 2 | 0.8% | 100% | $140,000 | |
Carrington Mortgage Services LLC
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FHA | 2 | 0.8% | 40% | $130,000 | |
The Farmers & Merchants State Bank
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Conventional, HELOC | 1 +2 HELOCs |
0.4% | 100% | $305,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.4% | 50% | $55,000 | View |
Originpoint, LLC
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Conventional | 1 | 0.4% | 100% | $335,000 | |
Greenstate Credit Union
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Conventional | 1 | 0.4% | 100% | $415,000 | |
Contour Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $85,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.4% | 66.7% | $35,000 | |
Newrez LLC
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Conventional | 1 | 0.4% | 100% | $105,000 | |
Howard Hanna Financial Services, Inc
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FHA | 1 | 0.4% | 100% | $135,000 | |
Loanunited.Com, LLC
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FHA | 1 | 0.4% | 100% | $235,000 | |
Nationstar Mortgage
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VA | 1 | 0.4% | 100% | $155,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $295,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.4% | 100% | $115,000 | |
Mutual of Omaha Mortgage
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FHA | 1 | 0.4% | 50% | $135,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.4% | 100% | $145,000 | |
Everwise Credit Union
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Conventional | 1 | 0.4% | 100% | $215,000 | |
Lower, LLC
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Conventional | 1 | 0.4% | 100% | $205,000 | |
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A5.0 ★Texas Ratio: 10.52% |
Conventional | 1 | 0.4% | 100% | $145,000 | View |
Tomo Mortgage LLC
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Conventional | 1 | 0.4% | 100% | $185,000 | |
Village Capital & Investment
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FHA | 1 | 0.4% | 100% | $155,000 | |
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A+5.0 ★Texas Ratio: 2.66% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Everence Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Three Rivers Federal Crediit U
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Sturgis 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 Sturgis, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Sturgis? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Sturgis in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Sturgis, MI
Use these to narrow the list above. Each category shows how many Sturgis, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Sturgis, MI
Independent mortgage companies closed 59.2 percent of home loans in Sturgis, Michigan in 2025, banks 31 percent and credit unions 9.8 percent. Member First Mortgage, LLC was the largest mortgage company, Sturgis Bank & Trust the largest bank and OMNI Community Credit Union the largest credit union. Among lenders headquartered in Michigan, Sturgis Bank & Trust 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 Sturgis, MI
By home loans closed in 2025, Sturgis Bank & Trust was the largest mortgage lender in Sturgis, Michigan with 50 loans, about 19.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Sturgis, Michigan, Sturgis Bank & Trust approved the highest share of completed applications in 2025 at 96.7 percent, against a 87.5 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.
18 lenders closed FHA loans in Sturgis, Michigan in 2025, led by Prosperity Home Mortgage, LLC with 11. 9 lenders closed VA loans, led by Mortgage Research Center, and 3 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. 17 banks and 11 credit unions closed home loans in Sturgis, 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 Sturgis, 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 Sturgis, 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 Sturgis. 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.
