Mortgage Lenders and Brokers in Temperance, 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
Temperance, Michigan mortgage lenders include First Merchants BankFirst Merchants Bank9007 Lewis Ave, Temperance, MI 48182A+5.0 ★Texas Ratio: 4.12%, Huntington National BankHuntington National Bank7405 Lewis Ave, Temperance, MI 48182A+5.0 ★Texas Ratio: 3.66%, Keybank National AssociationKeybank National Association1352 S Main St, Adrian, MI 49221A+5.0 ★Texas Ratio: 4.81%, Monroe Community Credit UnionMonroe Community Credit Union7408 Lewis Ave, Temperance, MI 48182A+5.0 ★Texas Ratio: 1.13%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA455 Ada Dr Se, Ada, MI 49301A+5.0 ★Texas Ratio: 3.68%, Fifth Third Bank, National AssociationFifth Third Bank, National Association475 Ada Drive, Ada Township, MI 49301A+5.0 ★Texas Ratio: 3.22%, DFCU FinancialDFCU Financial2910 Carpenter Rd, Ann Arbor, MI 48108A+5.0 ★Texas Ratio: 1.86%, Citizens Bank, NACitizens Bank, NA455 E Eisenhower Pkwy, Ann Arbor, MI 48108A+5.0 ★Texas Ratio: 5.44%, Lake Michigan Credit UnionLake Michigan Credit Union496 Ada Dr SE STE 103, Ada, MI 49301, and Waterford Bank, N.A.Waterford Bank, N.A.5800 S Main St, Clarkston, MI 48346A+5.0 ★Texas Ratio: 5.33%. 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 Temperance, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Temperance 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 Temperance, Michigan
Market share is the lender's share of all home loans closed in Temperance, 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 Temperance 9007 Lewis Ave, Temperance, MI 48182 A+5.0 ★Texas Ratio: 4.12% |
Conventional, HELOC | 3 +16 HELOCs |
1% | 100% | $65,000 | View |
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7405 Lewis Ave, Temperance, MI 48182 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, USDA, HELOC | 30 +30 HELOCs |
10% | 91.2% | $180,000 | View |
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1352 S Main St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 4.81% |
Conventional, HELOC | 10 +2 HELOCs |
3.3% | 90.9% | $208,000 | View |
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7408 Lewis Ave, Temperance, MI 48182 A+5.0 ★Texas Ratio: 1.13% |
Conventional, HELOC | 8 +1 HELOCs |
2.7% | 100% | $77,500 | View |
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455 Ada Dr Se, Ada, MI 49301 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 6 | 2% | 100% | $215,000 | View |
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475 Ada Drive, Ada Township, MI 49301 A+5.0 ★Texas Ratio: 3.22% |
Conventional, FHA, HELOC | 5 +8 HELOCs |
1.7% | 50% | $159,000 | View |
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2910 Carpenter Rd, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 1.86% |
Conventional | 5 | 1.7% | 100% | $247,000 | View |
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455 E Eisenhower Pkwy, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 3 +13 HELOCs |
1% | 100% | $281,666 | View |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
Conventional, HELOC | 2 +1 HELOCs |
0.7% | 66.7% | $365,000 | |
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5800 S Main St, Clarkston, MI 48346 A+5.0 ★Texas Ratio: 5.33% |
Conventional | 2 | 0.7% | 100% | $190,000 | View |
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3030 S Adrian Hwy, Adrian, MI 49221 A+5.0 ★Texas Ratio: 0.45% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $255,000 | View |
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1422 S Winter St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 4.98% |
Conventional | 1 | 0.3% | 100% | $105,000 | View |
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300 N Main St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 3.87% |
Conventional | 1 | 0.3% | 100% | $275,000 | View |
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3233 Fairlane Dr, Allen Park, MI 48101 D3.3 ★Texas Ratio: 35.11% |
FHA | 1 | 0.3% | 50% | $415,000 | View |
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1004 W Midland Rd, Auburn, MI 48611 A5.0 ★Texas Ratio: 6.46% |
Conventional | 1 | 0.3% | 100% | $125,000 | View |
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34100 Woodward Ave, Birmingham, MI 48009 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.3% | 100% | $435,000 | View |
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131 S Main St, Brooklyn, MI 49230 A5.0 ★Texas Ratio: 9.21% |
Conventional | 1 | 0.3% | 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% |
HELOC | 0 +5 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 | |
Rocket Mortgage
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Conventional, FHA, VA | 34 | 11.3% | 85.4% | $172,058 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 18 | 6% | 81.8% | $237,777 | |
Mortgage 1 Incorporated
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Conventional, FHA, VA | 5 | 1.7% | 100% | $201,000 | |
Gold Star Mortgage Financial Group, Corporation
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Conventional | 3 | 1% | 100% | $305,000 | |
GreenStone Farm Credit Services
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Conventional | 2 | 0.7% | 100% | $325,000 | |
Staunton Financial Inc
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Conventional | 1 | 0.3% | 50% | $575,000 | |
Directions Credit Union
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Conventional, HELOC | 14 +9 HELOCs |
4.7% | 87.5% | $257,857 | |
American Financial Network, Inc.
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Conventional, FHA | 14 | 4.7% | 87.5% | $205,000 | |
Union Home Mortgage Corp.
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Conventional, FHA, HELOC | 13 +3 HELOCs |
4.3% | 100% | $268,076 | |
Triad Financial Services, Inc.
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Conventional | 10 | 3.3% | 72.7% | $77,000 | |
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A+5.0 ★Texas Ratio: 4.72% |
Conventional | 10 | 3.3% | 100% | $349,000 | View |
Equity Resources Inc
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Conventional, VA | 7 | 2.3% | 77.8% | $245,000 | |
Newrez LLC
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Conventional, FHA | 7 | 2.3% | 77.8% | $170,714 | |
Click n' Close, Inc.
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Conventional, VA | 6 | 2% | 100% | $221,666 | |
Nationstar Mortgage
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Conventional, FHA | 5 | 1.7% | 100% | $101,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 4 | 1.3% | 100% | $340,000 | |
Cmg Mortgage Inc
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Conventional, FHA | 4 | 1.3% | 100% | $252,500 | |
Nfm, Inc
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Conventional, FHA | 4 | 1.3% | 100% | $165,000 | |
Mortgage Research Center
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Conventional, VA | 4 | 1.3% | 57.1% | $235,000 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA | 3 | 1% | 80% | $178,333 | |
Gvc Mortgage, Inc.
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Conventional, FHA, VA | 3 | 1% | 100% | $278,333 | |
The Genoa Banking Company
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Conventional | 3 | 1% | 100% | $161,666 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 3 | 1% | 100% | $171,666 | View |
Guaranteed Rate, Inc.
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Conventional, HELOC | 2 +1 HELOCs |
0.7% | 100% | $215,000 | |
loanDepot.com LLC
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Conventional, HELOC | 2 +1 HELOCs |
0.7% | 66.7% | $165,000 | |
Navy Federal Credit Union
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Conventional, VA, HELOC | 2 +1 HELOCs |
0.7% | 50% | $335,000 | |
Freedom Mortgage Corporation
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FHA | 2 | 0.7% | 50% | $140,000 | |
PHH Mortgage Corporation
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Conventional, VA | 2 | 0.7% | 100% | $310,000 | |
Pennymac Loan Services LLC
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Conventional | 2 | 0.7% | 100% | $230,000 | |
Amerisave Mortgage Company
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Conventional, FHA | 2 | 0.7% | 50% | $150,000 | |
The Farmers & Merchants State Bank
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Conventional | 2 | 0.7% | 100% | $185,000 | |
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A+5.0 ★Texas Ratio: 4.66% |
Conventional | 2 | 0.7% | 100% | $155,000 | View |
Carrington Mortgage Services LLC
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Conventional | 2 | 0.7% | 66.7% | $105,000 | |
The Loan Store, Inc
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Conventional, HELOC | 1 +2 HELOCs |
0.3% | 100% | $175,000 | |
Sun Federal Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $65,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.3% | 100% | $145,000 | View |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.3% | 100% | $65,000 | View |
Equity Prime Mortgage LLC
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FHA | 1 | 0.3% | 100% | $215,000 | |
Loanunited.Com, LLC
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VA | 1 | 0.3% | 100% | $695,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.3% | 50% | $215,000 | View |
AdvantageFirst Lending Inc
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VA | 1 | 0.3% | 100% | $195,000 | |
American Financing Corporation
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Conventional | 1 | 0.3% | 50% | $115,000 | |
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★ 4 stars, 1 review A4.9 ★Texas Ratio: 5.48% |
Conventional | 1 | 0.3% | 100% | $325,000 | View |
New Day Financial, LLC.
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VA | 1 | 0.3% | 33.3% | $275,000 | |
Provident Funding Associates
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Conventional | 1 | 0.3% | 100% | $285,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.3% | 100% | $155,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
FHA | 1 | 0.3% | 100% | $165,000 | View |
Mortgage Solutions of Colorado
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VA | 1 | 0.3% | 100% | $455,000 | |
Mutual of Omaha Mortgage
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FHA | 1 | 0.3% | 50% | $335,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional | 1 | 0.3% | 100% | $105,000 | View |
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A5.0 ★Texas Ratio: 10.77% |
Conventional | 1 | 0.3% | 100% | $155,000 | View |
21St Mortgage
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Conventional | 1 | 0.3% | 20% | $25,000 | |
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A5.0 ★Texas Ratio: 8.10% |
Conventional | 1 | 0.3% | 100% | $335,000 | View |
The Mortgage Link, Inc.
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FHA | 1 | 0.3% | 100% | $215,000 | |
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A+5.0 ★Texas Ratio: 0.68% |
Conventional | 1 | 0.3% | 100% | $15,000 | View |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
New American Funding, LLC.
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HELOC | 0 +1 HELOCs |
0% | n/a |
Temperance 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 Temperance, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Temperance? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Temperance in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Temperance, MI
Use these to narrow the list above. Each category shows how many Temperance, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Temperance, MI
Independent mortgage companies closed 58 percent of home loans in Temperance, Michigan in 2025, banks 30.7 percent and credit unions 11.3 percent. Rocket Mortgage was the largest mortgage company, First Merchants Bank the largest bank and Monroe Community Credit Union the largest credit union. Among lenders headquartered in Michigan, Monroe Community Credit Union led with 8 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 Temperance, MI
By home loans closed in 2025, First Merchants Bank was the largest mortgage lender in Temperance, Michigan with 3 loans, about 1 percent of the market. The largest lender headquartered in Michigan was Monroe Community Credit Union with 8 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
21 lenders closed FHA loans in Temperance, Michigan in 2025, led by Rocket Mortgage with 8. 14 lenders closed VA loans, led by United Wholesale Mortgage, 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. 28 banks and 8 credit unions closed home loans in Temperance, Michigan in 2025, alongside 43 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 Temperance, 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 Temperance, 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 Temperance. 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.
