Mortgage Lenders and Brokers in Three Rivers, 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
Three Rivers, Michigan mortgage lenders include Sturgis Bank & TrustSturgis Bank & Trust115 N Main St, Three Rivers, MI 49093A5.0 ★Texas Ratio: 9.46%, Fifth Third Bank, National AssociationFifth Third Bank, National Association216 N Main St, Three Rivers, MI 49093A+5.0 ★Texas Ratio: 3.22%, Southern Michigan Bank & TrustSouthern Michigan Bank & Trust58665 US 131, Three Rivers, MI 49093A5.0 ★Texas Ratio: 8.82%, Horizon BankHorizon Bank1213 W Michigan Ave, Three Rivers, MI 49093A+5.0 ★Texas Ratio: 4.40%, Flagstar Bank NAFlagstar Bank NA760 S Us 131 Ste 1, Three Rivers, MI 49093D3.3 ★Texas Ratio: 35.11%, Arbor Financial Credit UnionArbor Financial Credit Union811 W MICHIGAN AVE, THREE RIVERS, MI 49093 2134A5.0 ★Texas Ratio: 12.10%, Kellogg Community Credit UnionKellogg Community Credit Union915 W Michigan Ave, Three Rivers, MI 49093A+5.0 ★Texas Ratio: 1.68%, OMNI Community Credit UnionOMNI Community Credit Union15425 Broadway Rd, Three Rivers, MI 49093A+5.0 ★Texas Ratio: 2.36%, Lake Michigan Credit UnionLake Michigan Credit Union496 Ada Dr SE STE 103, Ada, MI 49301, and Huntington National BankHuntington National Bank202 W Maumee St, Adrian, MI 49221A+5.0 ★Texas Ratio: 3.66%. 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 Three Rivers, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Three Rivers 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 Three Rivers, Michigan
Market share is the lender's share of all home loans closed in Three Rivers, 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 Three Rivers 115 N Main St, Three Rivers, MI 49093 A5.0 ★Texas Ratio: 9.46% |
Conventional, HELOC | 14 +6 HELOCs |
4.8% | 100% | $185,714 | View |
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1 office in Three Rivers 216 N Main St, Three Rivers, MI 49093 A+5.0 ★Texas Ratio: 3.22% |
Conventional, FHA, Jumbo, HELOC | 8 +9 HELOCs |
2.7% | 56.2% | $316,250 | View |
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1 office in Three Rivers 58665 US 131, Three Rivers, MI 49093 A5.0 ★Texas Ratio: 8.82% |
Conventional | 8 | 2.7% | 88.9% | $122,500 | View |
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1 office in Three Rivers 1213 W Michigan Ave, Three Rivers, MI 49093 A+5.0 ★Texas Ratio: 4.40% |
Conventional, HELOC | 4 +8 HELOCs |
1.4% | 66.7% | $140,000 | View |
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1 office in Three Rivers 760 S Us 131 Ste 1, Three Rivers, MI 49093 D3.3 ★Texas Ratio: 35.11% |
Conventional | 4 | 1.4% | 66.7% | $97,500 | View |
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811 W MICHIGAN AVE, THREE RIVERS, MI 49093 2134 A5.0 ★Texas Ratio: 12.10% |
Conventional, HELOC | 18 +8 HELOCs |
6.1% | 90.5% | $182,777 | View |
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915 W Michigan Ave, Three Rivers, MI 49093 A+5.0 ★Texas Ratio: 1.68% |
Conventional | 13 | 4.4% | 100% | $56,538 | View |
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15425 Broadway Rd, Three Rivers, MI 49093 A+5.0 ★Texas Ratio: 2.36% |
Conventional, HELOC | 11 +7 HELOCs |
3.8% | 66.7% | $82,272 | View |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
Conventional, FHA, HELOC | 9 +3 HELOCs |
3.1% | 100% | $180,555 | |
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202 W Maumee St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 3.66% |
Conventional, HELOC | 5 +5 HELOCs |
1.7% | 85.7% | $229,000 | View |
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6081 B Dr N, Battle Creek, MI 49014 8367 A+5.0 ★Texas Ratio: 3.56% |
Conventional, HELOC | 5 +2 HELOCs |
1.7% | 100% | $201,000 | View |
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809 W Chicago Rd, Sturgis, MI 49091 A+5.0 ★Texas Ratio: 0.14% |
Conventional, HELOC | 3 +2 HELOCs |
1% | 100% | $378,333 | View |
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1253 Lincoln Rd, Allegan, MI 49010 A+5.0 ★Texas Ratio: 5.27% |
Conventional, HELOC | 2 +1 HELOCs |
0.7% | 100% | $170,000 | View |
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455 Ada Dr Se, Ada, MI 49301 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.7% | 66.7% | $240,000 | View |
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230 Woodworth Ave, Alma, MI 48801 A+5.0 ★Texas Ratio: 0.63% |
Conventional | 2 | 0.7% | 100% | $180,000 | View |
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2121 S Drake Rd, Kalamazoo, MI 49006 5776 A+5.0 ★Texas Ratio: 2.20% |
Conventional, HELOC | 1 +4 HELOCs |
0.3% | 100% | $25,000 | View |
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2469 Cedar Street, Delhi Township, MI 48842 A-4.9 ★Texas Ratio: 16.59% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $375,000 | View |
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223 S Front St, Dowagiac, MI 49047 A+5.0 ★Texas Ratio: 5.01% |
Conventional | 1 | 0.3% | 100% | $295,000 | View |
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3333 Deposit Dr Ne, Grand Rapids, MI 49546 A5.0 ★Texas Ratio: 8.47% |
Conventional | 1 | 0.3% | 100% | $275,000 | View |
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34100 Woodward Ave, Birmingham, MI 48009 A+5.0 ★Texas Ratio: 5.36% |
FHA | 1 | 0.3% | 100% | $55,000 | View |
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2222 Holton Road, Dalton Township, MI 49445 A+5.0 ★Texas Ratio: 0.91% |
Conventional | 1 | 0.3% | 100% | $215,000 | View |
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101 N Main St Ste 100, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 4.14% |
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 | |
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2550 Capital Ave SW, Battle Creek, MI 49015 A+5.0 ★Texas Ratio: 5.38% |
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 | |
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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 | 23 | 7.8% | 77.4% | $186,739 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 11 | 3.8% | 78.6% | $198,636 | |
Success Mortgage Partners, Inc
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Conventional, VA | 6 | 2% | 100% | $141,666 | |
GreenStone Farm Credit Services
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Conventional | 2 | 0.7% | 100% | $330,000 | |
VanDyk Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $125,000 | |
Msu Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Ruoff Mortgage Company
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Conventional, FHA, USDA | 19 | 6.5% | 95.2% | $165,000 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA | 18 | 6.1% | 100% | $224,444 | |
Gvc Mortgage, Inc.
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Conventional, FHA, USDA | 10 | 3.4% | 100% | $203,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 9 | 3.1% | 90% | $205,000 | |
Mortgage Research Center
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Conventional, VA | 9 | 3.1% | 81.8% | $245,000 | |
Cardinal Financial Company, Li
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Conventional, FHA | 6 | 2% | 100% | $171,666 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 4 | 1.4% | 83.3% | $235,000 | |
loanDepot.com LLC
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Conventional, VA | 4 | 1.4% | 50% | $167,500 | |
Union Home Mortgage Corp.
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Conventional, VA, USDA | 4 | 1.4% | 100% | $302,500 | |
Nationstar Mortgage
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Conventional | 4 | 1.4% | 66.7% | $97,500 | |
Valon Mortgage
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Conventional, FHA, HELOC | 3 +1 HELOCs |
1% | 100% | $128,333 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 3 | 1% | 100% | $221,666 | |
Guild Mortgage Company
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Conventional, FHA | 3 | 1% | 100% | $231,666 | |
American Pacific Mortgage Corporation
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Conventional, FHA | 3 | 1% | 100% | $195,000 | |
Everwise Credit Union
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Conventional | 3 | 1% | 100% | $175,000 | |
Newrez LLC
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Conventional, FHA | 2 | 0.7% | 100% | $200,000 | |
City 1st Mortgage Services, LC
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FHA, VA | 2 | 0.7% | 100% | $220,000 | |
First Colony Mortgage Corporat
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Conventional, FHA | 2 | 0.7% | 100% | $300,000 | |
Churchill Mortgage Corporation
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Conventional, FHA | 2 | 0.7% | 100% | $160,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional, VA | 2 | 0.7% | 100% | $310,000 | View |
Interra Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $235,000 | |
Consumer Real Estate Finance Co DBA Society Mortgage
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FHA | 1 | 0.3% | 50% | $155,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.3% | 100% | $185,000 | View |
Royal United Mortgage LLC
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Conventional | 1 | 0.3% | 50% | $65,000 | |
Primelending
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FHA | 1 | 0.3% | 100% | $125,000 | |
Envoy Mortgage, Ltd
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Conventional | 1 | 0.3% | 100% | $175,000 | |
Triad Financial Services, Inc.
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Conventional | 1 | 0.3% | 28.6% | $85,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $255,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 0.3% | 50% | $255,000 | |
Amerisave Mortgage Company
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FHA | 1 | 0.3% | 20% | $95,000 | |
American Financial Network, Inc.
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Conventional | 1 | 0.3% | 100% | $175,000 | |
Homestead Funding Corp.
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Conventional | 1 | 0.3% | 100% | $325,000 | |
Plus Relocation Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $315,000 | |
First Alliance Home Mortgage, LLC
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FHA | 1 | 0.3% | 100% | $255,000 | |
ClearPath Lending
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VA | 1 | 0.3% | 100% | $295,000 | |
Planet Home Lending, LLC
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FHA | 1 | 0.3% | 100% | $105,000 | |
Mit Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $345,000 | |
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A5.0 ★Texas Ratio: 6.90% |
Conventional | 1 | 0.3% | 100% | $415,000 | View |
New American Funding, LLC.
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FHA | 1 | 0.3% | 100% | $145,000 | |
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A+5.0 ★Texas Ratio: 3.54% |
Conventional | 1 | 0.3% | 100% | $485,000 | View |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional | 1 | 0.3% | 100% | $145,000 | View |
Navy Federal Credit Union
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VA | 1 | 0.3% | 100% | $305,000 | |
Carrington Mortgage Services LLC
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FHA | 1 | 0.3% | 75% | $145,000 | |
Ark-La-Tex Financial Services LLC
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FHA | 1 | 0.3% | 100% | $275,000 | |
Figure Lending LLC
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View |
Three Rivers 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 Three Rivers, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Three Rivers? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Three Rivers in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Three Rivers, MI
Use these to narrow the list above. Each category shows how many Three Rivers, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Three Rivers, MI
Independent mortgage companies closed 56.7 percent of home loans in Three Rivers, Michigan in 2025, banks 21.2 percent and credit unions 22.2 percent. Rocket Mortgage was the largest mortgage company, Sturgis Bank & Trust the largest bank and Arbor Financial Credit Union the largest credit union. Among lenders headquartered in Michigan, Sturgis Bank & Trust led with 14 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 Three Rivers, MI
By home loans closed in 2025, Sturgis Bank & Trust was the largest mortgage lender in Three Rivers, Michigan with 14 loans, about 4.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
27 lenders closed FHA loans in Three Rivers, Michigan in 2025, led by Rocket Mortgage with 7. 11 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. 24 banks and 14 credit unions closed home loans in Three Rivers, Michigan in 2025, alongside 40 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 Three Rivers, 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 Three Rivers, 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 Three Rivers. 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.
