Mortgage Lenders and Brokers in Suttons Bay, 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
Suttons Bay, Michigan mortgage lenders include Independent BankIndependent Bank93 W Fourth St, Suttons Bay, MI 49682A5.0 ★Texas Ratio: 6.46%, State Savings BankState Savings Bank212 N Saint Joseph St, Suttons Bay, MI 49682A+5.0 ★Texas Ratio: 1.81%, Fifth Third Bank, National AssociationFifth Third Bank, National Association120 N Saint Joseph St, Suttons Bay, MI 49682A+5.0 ★Texas Ratio: 3.22%, Huntington National BankHuntington National Bank105 W Fourth St, Suttons Bay, MI 49682A+5.0 ★Texas Ratio: 3.66%, Lake Michigan Credit UnionLake Michigan Credit Union496 Ada Dr SE STE 103, Ada, MI 49301, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA455 Ada Dr Se, Ada, MI 49301A+5.0 ★Texas Ratio: 3.68%, Mercantile BankMercantile Bank230 Woodworth Ave, Alma, MI 48801A+5.0 ★Texas Ratio: 0.63%, Genisys Credit UnionGenisys Credit Union2100 Executive Hills Dr, Auburn Hills, MI 48326 2947A+5.0 ★Texas Ratio: 5.37%, Nicolet National BankNicolet National Bank468 N Ripley Blvd, Alpena, MI 49707A+5.0 ★Texas Ratio: 2.28%, and Michigan First Credit UnionMichigan First Credit Union20645 Gibraltar Rd, Brownstown Twp, MI 48183A+5.0 ★Texas Ratio: 4.92%. 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 Suttons Bay, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Suttons Bay 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 Suttons Bay, Michigan
Market share is the lender's share of all home loans closed in Suttons Bay, 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 Suttons Bay 93 W Fourth St, Suttons Bay, MI 49682 A5.0 ★Texas Ratio: 6.46% |
Conventional, Jumbo, HELOC | 7 +3 HELOCs |
8% | 87.5% | $715,000 | View |
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1 office in Suttons Bay 212 N Saint Joseph St, Suttons Bay, MI 49682 A+5.0 ★Texas Ratio: 1.81% |
Conventional | 3 | 3.4% | 100% | $198,333 | View |
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2 offices in Suttons Bay 120 N Saint Joseph St, Suttons Bay, MI 49682 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 1 +13 HELOCs |
1.1% | 50% | $705,000 | View |
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1 office in Suttons Bay 105 W Fourth St, Suttons Bay, MI 49682 A+5.0 ★Texas Ratio: 3.66% |
Conventional, HELOC | 1 +11 HELOCs |
1.1% | 100% | $245,000 | View |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
Conventional, Jumbo, HELOC | 9 +9 HELOCs |
10.2% | 90% | $533,888 | |
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455 Ada Dr Se, Ada, MI 49301 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 5 | 5.7% | 100% | $1,089,000 | View |
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230 Woodworth Ave, Alma, MI 48801 A+5.0 ★Texas Ratio: 0.63% |
Conventional, HELOC | 3 +1 HELOCs |
3.4% | 100% | $325,000 | View |
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2100 Executive Hills Dr, Auburn Hills, MI 48326 2947 A+5.0 ★Texas Ratio: 5.37% |
Conventional, Jumbo | 3 | 3.4% | 100% | $828,333 | View |
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468 N Ripley Blvd, Alpena, MI 49707 A+5.0 ★Texas Ratio: 2.28% |
Conventional, HELOC | 2 +1 HELOCs |
2.3% | 100% | $485,000 | View |
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20645 Gibraltar Rd, Brownstown Twp, MI 48183 A+5.0 ★Texas Ratio: 4.92% |
Conventional | 2 | 2.3% | 100% | $595,000 | View |
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2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54% |
Conventional | 2 | 2.3% | 100% | $280,000 | View |
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501 Main St, Frankfort, MI 49635 A5.0 ★Texas Ratio: 10.41% |
Conventional | 1 | 1.1% | 100% | $295,000 | View |
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3233 Fairlane Dr, Allen Park, MI 48101 D3.3 ★Texas Ratio: 35.11% |
Conventional, Jumbo | 1 | 1.1% | 100% | $1,245,000 | View |
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2469 Cedar Street, Delhi Township, MI 48842 A-4.9 ★Texas Ratio: 16.59% |
Conventional | 1 | 1.1% | 100% | $525,000 | View |
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34100 Woodward Ave, Birmingham, MI 48009 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 1.1% | 100% | $145,000 | View |
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7200 KALAMAZOO AVE SE, CALEDONIA, MI 49316 A5.0 ★Texas Ratio: 12.10% |
Conventional | 1 | 1.1% | 100% | $565,000 | View |
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★ 1.7 stars, 3 reviews 855 Marshall St, Allegan, MI 49010 A+5.0 ★Texas Ratio: 4.24% |
Conventional, Jumbo | 1 | 1.1% | 100% | $1,005,000 | View |
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3559 Main St, Akron, MI 48701 A5.0 ★Texas Ratio: 12.49% |
Conventional, Jumbo | 1 | 1.1% | 100% | $1,005,000 | View |
4Front Credit Union
515 E Cayuga St, Bellaire, MI 49615 |
HELOC | 0 +3 HELOCs |
0% | 0% | ||
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1422 S Winter St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 4.98% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1352 S Main St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 4.81% |
HELOC | 0 +1 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 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo | 11 | 12.5% | 84.6% | $497,727 | |
Rocket Mortgage
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Conventional | 10 | 11.4% | 76.9% | $267,000 | |
GreenStone Farm Credit Services
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Conventional, Jumbo | 5 | 5.7% | 100% | $887,000 | |
Msu Federal Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
1.1% | 100% | $475,000 | |
Guaranteed Rate, Inc.
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Conventional, VA, Jumbo | 2 | 2.3% | 100% | $830,000 | |
Freedom Mortgage Corporation
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VA | 2 | 2.3% | 100% | $355,000 | |
Newrez LLC
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Conventional | 1 | 1.1% | 50% | $325,000 | |
CrossCountry Mortgage, LLC
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VA | 1 | 1.1% | 100% | $795,000 | |
loanDepot.com LLC
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Conventional | 1 | 1.1% | 100% | $435,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 1.1% | 100% | $405,000 | |
Guild Mortgage Company
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Conventional | 1 | 1.1% | 100% | $335,000 | |
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A+5.0 ★Texas Ratio: 3.21% |
Conventional | 1 | 1.1% | 100% | $485,000 | View |
Click n' Close, Inc.
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FHA | 1 | 1.1% | 100% | $245,000 | |
Calcon Mutual Mortgage LLC
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Conventional | 1 | 1.1% | 100% | $515,000 | |
Nationstar Mortgage
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Conventional | 1 | 1.1% | 50% | $535,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 1 | 1.1% | 100% | $2,005,000 | View |
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A5.0 ★Texas Ratio: 6.45% |
Conventional | 1 | 1.1% | 100% | $435,000 | View |
Navy Federal Credit Union
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Conventional | 1 | 1.1% | 50% | $385,000 | |
Alliant Credit Union
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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 |
Suttons Bay 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 Suttons Bay, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Suttons Bay? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Suttons Bay in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Suttons Bay, MI
Use these to narrow the list above. Each category shows how many Suttons Bay, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Suttons Bay, MI
Independent mortgage companies closed 43.2 percent of home loans in Suttons Bay, Michigan in 2025, banks 35.2 percent and credit unions 21.6 percent. United Wholesale Mortgage was the largest mortgage company, Independent Bank the largest bank and Lake Michigan Credit Union the largest credit union. Among lenders headquartered in Michigan, Independent Bank led with 7 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 Suttons Bay, MI
By home loans closed in 2025, Independent Bank was the largest mortgage lender in Suttons Bay, Michigan with 7 loans, about 8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
2 lenders closed FHA loans in Suttons Bay, Michigan in 2025, led by United Wholesale Mortgage with 1. 4 lenders closed VA loans, led by Freedom Mortgage Corporation. 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 9 credit unions closed home loans in Suttons Bay, Michigan in 2025, alongside 13 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 Suttons Bay, 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 Suttons Bay, 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 Suttons Bay. 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.
