Mortgage Lenders and Brokers in Traverse City, 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
Traverse City, Michigan mortgage lenders include Huntington National BankHuntington National Bank3160 S Airport Rd W, Traverse City, MI 49684A+5.0 ★Texas Ratio: 3.66%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA995 W South Airport Rd, Traverse City, MI 49686A+5.0 ★Texas Ratio: 3.68%, Independent BankIndependent Bank333 W Grandview Pkwy, Traverse City, MI 49684A5.0 ★Texas Ratio: 6.46%, Mercantile BankMercantile Bank125 Park Street, Traverse City, MI 49684A+5.0 ★Texas Ratio: 0.63%, Honor BankHonor Bank430 S Union St, Traverse City, MI 49684A+5.0 ★Texas Ratio: 5.27%, State Savings BankState Savings Bank862 S Garfield Avenue, Traverse City, MI 49686A+5.0 ★Texas Ratio: 1.81%, 4Front Credit Union4Front Credit Union3745 N US Highway 31 S, Traverse City, MI 49684 4442, Fifth Third Bank, National AssociationFifth Third Bank, National Association102 W Front St, Traverse City, MI 49684A+5.0 ★Texas Ratio: 3.22%, PNC Bank N.A.PNC Bank N.A.901 S Garfield Ave, Traverse City, MI 49686A+5.0 ★Texas Ratio: 4.24%, and Nicolet National BankNicolet National Bank202 E State St, Traverse City, MI 49684A+5.0 ★Texas Ratio: 2.28%. 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 Traverse City, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Traverse City 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 Traverse City, Michigan
Market share is the lender's share of all home loans closed in Traverse City, 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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6 offices in Traverse City 3160 S Airport Rd W, Traverse City, MI 49684 A+5.0 ★Texas Ratio: 3.66% |
Conventional, Jumbo, HELOC | 20 +47 HELOCs |
4.6% | 88% | $422,500 | View |
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3 offices in Traverse City 995 W South Airport Rd, Traverse City, MI 49686 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 15 | 3.5% | 94.1% | $933,000 | View |
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3 offices in Traverse City 333 W Grandview Pkwy, Traverse City, MI 49684 A5.0 ★Texas Ratio: 6.46% |
Conventional, Jumbo, HELOC | 12 +20 HELOCs |
2.8% | 92.3% | $651,666 | View |
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1 office in Traverse City 125 Park Street, Traverse City, MI 49684 A+5.0 ★Texas Ratio: 0.63% |
Conventional, HELOC | 9 +1 HELOCs |
2.1% | 81.8% | $430,555 | View |
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2 offices in Traverse City 430 S Union St, Traverse City, MI 49684 A+5.0 ★Texas Ratio: 5.27% |
Conventional | 7 | 1.6% | 100% | $326,428 | View |
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2 offices in Traverse City 862 S Garfield Avenue, Traverse City, MI 49686 A+5.0 ★Texas Ratio: 1.81% |
Conventional | 7 | 1.6% | 80% | $406,428 | View |
4Front Credit Union
3745 N US Highway 31 S, Traverse City, MI 49684 4442 |
Conventional, HELOC | 6 +11 HELOCs |
1.4% | 85.7% | $173,333 | |
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3 offices in Traverse City 102 W Front St, Traverse City, MI 49684 A+5.0 ★Texas Ratio: 3.22% |
Conventional, VA, HELOC | 5 +24 HELOCs |
1.2% | 83.3% | $245,000 | View |
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★ 1.7 stars, 3 reviews 1 office in Traverse City 901 S Garfield Ave, Traverse City, MI 49686 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 4 +7 HELOCs |
0.9% | 100% | $310,000 | View |
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2 offices in Traverse City 202 E State St, Traverse City, MI 49684 A+5.0 ★Texas Ratio: 2.28% |
Conventional, HELOC | 2 +1 HELOCs |
0.5% | 100% | $440,000 | View |
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1 office in Traverse City 107 Cass Street Suite 6, Traverse City, MI 49684 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.2% | 100% | $25,000 | View |
Lake Michigan Credit Union
310 W Front St, Traverse City, MI 49684 2279 |
Conventional, Jumbo, HELOC | 42 +39 HELOCs |
9.7% | 100% | $538,333 | |
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1407 S Division St, Traverse City, MI 49684 4428 A+5.0 ★Texas Ratio: 2.54% |
Conventional, Jumbo, HELOC | 14 +7 HELOCs |
3.2% | 88.2% | $252,857 | View |
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400 E Eighth St, Traverse City, MI 49686 A5.0 ★Texas Ratio: 10.41% |
Conventional, Jumbo | 14 | 3.2% | 87.5% | $946,428 | View |
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2100 Executive Hills Dr, Auburn Hills, MI 48326 2947 A+5.0 ★Texas Ratio: 5.37% |
Conventional, Jumbo, HELOC | 9 +2 HELOCs |
2.1% | 100% | $649,444 | View |
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395 Briarwood Cir, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 5 +1 HELOCs |
1.2% | 100% | $473,000 | View |
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3233 Fairlane Dr, Allen Park, MI 48101 D3.3 ★Texas Ratio: 35.11% |
Conventional, Jumbo | 4 | 0.9% | 100% | $1,165,000 | View |
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710 N Van Dyke Rd, Bad Axe, MI 48413 A5.0 ★Texas Ratio: 8.18% |
Conventional | 3 | 0.7% | 100% | $365,000 | View |
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340 E Huron St, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 5.54% |
Conventional, HELOC | 2 +1 HELOCs |
0.5% | 100% | $285,000 | View |
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2910 Carpenter Rd, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 1.86% |
Conventional, Jumbo, HELOC | 2 +1 HELOCs |
0.5% | 100% | $715,000 | View |
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2151 W Stadium Blvd, Ann Arbor, MI 48103 4543 A+5.0 ★Texas Ratio: 3.99% |
Conventional | 2 | 0.5% | 100% | $130,000 | View |
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7200 KALAMAZOO AVE SE, CALEDONIA, MI 49316 A5.0 ★Texas Ratio: 12.10% |
Conventional, Jumbo | 2 | 0.5% | 100% | $770,000 | View |
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6081 B Dr N, Battle Creek, MI 49014 8367 A+5.0 ★Texas Ratio: 3.56% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $365,000 | View |
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223 S Front St, Dowagiac, MI 49047 A+5.0 ★Texas Ratio: 5.01% |
Conventional, Jumbo | 1 | 0.2% | 100% | $1,505,000 | View |
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53950 Gratiot Ave, Chesterfield, MI 48051 A5.0 ★Texas Ratio: 6.84% |
Conventional | 1 | 0.2% | 100% | $495,000 | View |
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1352 S Main St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 4.81% |
Conventional | 1 | 0.2% | 100% | $805,000 | View |
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1026 W Midland Rd, AUBURN, MI 48611 A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.2% | 100% | $805,000 | View |
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2469 Cedar Street, Delhi Township, MI 48842 A-4.9 ★Texas Ratio: 16.59% |
Conventional | 1 | 0.2% | 50% | $615,000 | View |
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5750 Baypointe Blvd, Clarkston, MI 48346 3192 A+5.0 ★Texas Ratio: 4.06% |
Conventional | 1 | 0.2% | 100% | $355,000 | View |
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20645 Gibraltar Rd, Brownstown Twp, MI 48183 A+5.0 ★Texas Ratio: 4.92% |
Conventional | 1 | 0.2% | 100% | $145,000 | View |
Dow Credit Union
600 E Lyon Rd, Midland, MI 48640 5396 |
Conventional | 1 | 0.2% | 100% | $415,000 | |
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56500 Us Highway 41, Calumet, MI 49913 A5.0 ★Texas Ratio: 7.72% |
Conventional | 1 | 0.2% | 100% | $125,000 | View |
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34100 Woodward Ave, Birmingham, MI 48009 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 1 | 0.2% | 50% | $1,595,000 | View |
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7558 N Alger Rd, Alma, MI 48801 A+5.0 ★Texas Ratio: 4.80% |
Conventional | 1 | 0.2% | 100% | $415,000 | View |
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2015 Washtenaw Ave, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 3.82% |
Conventional | 1 | 0.2% | 100% | $325,000 | View |
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2936 Wilder Rd, Bay City, MI 48706 A+5.0 ★Texas Ratio: 3.16% |
Conventional | 1 | 0.2% | 100% | $785,000 | View |
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201 S Superior Ave, Baraga, MI 49908 A+5.0 ★Texas Ratio: 4.32% |
Conventional | 1 | 0.2% | 100% | $295,000 | 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 | |
Community Financial
12483 State St, Atlanta, MI 49709 |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
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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, USDA, Jumbo, HELOC | 88 +2 HELOCs |
20.4% | 96.7% | $378,636 | |
Rocket Mortgage
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Conventional, FHA, VA, Jumbo | 30 | 6.9% | 80.5% | $296,000 | |
Msu Federal Credit Union
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Conventional, HELOC | 2 +8 HELOCs |
0.5% | 40% | $560,000 | |
Northern Mortgage Services, LLC
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Conventional | 2 | 0.5% | 100% | $265,000 | |
GreenStone Farm Credit Services
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Conventional | 2 | 0.5% | 100% | $535,000 | |
Staunton Financial Inc
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Conventional, VA | 2 | 0.5% | 66.7% | $290,000 | |
Mortgage 1 Incorporated
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Conventional | 1 | 0.2% | 100% | $285,000 | |
Newrez LLC
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Conventional, VA | 9 | 2.1% | 90% | $245,000 | |
Calcon Mutual Mortgage LLC
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Conventional, VA | 8 | 1.9% | 100% | $318,750 | |
Guaranteed Rate, Inc.
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Conventional | 5 | 1.2% | 100% | $377,000 | |
Guild Mortgage Company
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Conventional, VA, Jumbo | 5 | 1.2% | 100% | $631,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 5 | 1.2% | 83.3% | $837,000 | View |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional, Jumbo | 3 | 0.7% | 100% | $531,666 | View |
Greenstate Credit Union
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Conventional | 3 | 0.7% | 100% | $168,333 | |
New Day Financial, LLC.
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VA | 3 | 0.7% | 75% | $451,666 | |
Nationstar Mortgage
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Conventional | 3 | 0.7% | 75% | $98,333 | |
Mortgage Research Center
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VA | 3 | 0.7% | 100% | $345,000 | |
Mutual of Omaha Mortgage
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Conventional, FHA | 3 | 0.7% | 100% | $231,666 | |
Navy Federal Credit Union
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Conventional, VA, HELOC | 2 +1 HELOCs |
0.5% | 66.7% | $420,000 | |
Freedom Mortgage Corporation
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FHA, VA | 2 | 0.5% | 100% | $280,000 | |
CrossCountry Mortgage, LLC
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Conventional | 2 | 0.5% | 66.7% | $325,000 | |
Amerisave Mortgage Company
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Conventional | 2 | 0.5% | 100% | $90,000 | |
Union Home Mortgage Corp.
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FHA | 2 | 0.5% | 100% | $360,000 | |
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A+5.0 ★Texas Ratio: 5.26% |
Conventional | 2 | 0.5% | 100% | $345,000 | View |
Planet Home Lending, LLC
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Conventional, VA | 2 | 0.5% | 100% | $320,000 | |
Lendsure Mortgage Corp.
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Conventional | 2 | 0.5% | 100% | $365,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.5% | 66.7% | $375,000 | View |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional, Jumbo | 2 | 0.5% | 100% | $735,000 | View |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional | 2 | 0.5% | 100% | $760,000 | View |
The Loan Store, Inc
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Conventional | 2 | 0.5% | 100% | $370,000 | |
21St Mortgage
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Conventional | 2 | 0.5% | 66.7% | $90,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.2% | 100% | $355,000 | View |
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A+5.0 ★Texas Ratio: 4.32% |
Conventional, Jumbo | 1 | 0.2% | 100% | $1,725,000 | View |
Cliffco, Inc.
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Conventional | 1 | 0.2% | 100% | $805,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.2% | 100% | $755,000 | View |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.2% | 33.3% | $205,000 | |
Farmers Insurance Federal Credit Union
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Conventional, Jumbo | 1 | 0.2% | 100% | $405,000 | |
Kind Lending, LLC
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Conventional | 1 | 0.2% | 100% | $785,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $175,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
VA | 1 | 0.2% | 100% | $255,000 | View |
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A+5.0 ★Texas Ratio: 2.38% |
Conventional | 1 | 0.2% | 100% | $625,000 | View |
Pennymac Loan Services LLC
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FHA | 1 | 0.2% | 33.3% | $315,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 0.2% | 100% | $275,000 | View |
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A+5.0 ★Texas Ratio: 0.22% |
Conventional | 1 | 0.2% | 100% | $745,000 | View |
Mortgage300 Corporation
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Conventional | 1 | 0.2% | 100% | $95,000 | |
Milend, Inc
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Conventional | 1 | 0.2% | 100% | $215,000 | |
Mission Loans, LLC
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Conventional | 1 | 0.2% | 100% | $255,000 | |
Logan Finance Corporation
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Conventional, Jumbo | 1 | 0.2% | 100% | $1,565,000 | |
New American Funding, LLC.
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Conventional | 1 | 0.2% | 100% | $285,000 | |
ClearEdge Lending LLC
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Conventional, Jumbo | 1 | 0.2% | 50% | $995,000 | |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional, Jumbo | 1 | 0.2% | 100% | $865,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional, Jumbo | 1 | 0.2% | 50% | $1,145,000 | View |
Paramount Residential Mortgage
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Conventional | 1 | 0.2% | 100% | $265,000 | |
Spring Eq, LLC
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Conventional | 1 | 0.2% | 50% | $395,000 | |
Plaza Home Mortgage, Inc
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FHA | 1 | 0.2% | 100% | $415,000 | |
Tomo Mortgage LLC
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Conventional | 1 | 0.2% | 100% | $205,000 | |
Champions Funding, LLC
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Conventional | 1 | 0.2% | 100% | $305,000 | |
JMAC Lending, Inc.
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Conventional | 1 | 0.2% | 100% | $435,000 | |
Figure Lending LLC
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
Valon Mortgage
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
AmWest Funding Corp
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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 | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Traverse City 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 Traverse City, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Traverse City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Traverse City in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Traverse City, MI
Use these to narrow the list above. Each category shows how many Traverse City, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Traverse City, MI
Independent mortgage companies closed 46.1 percent of home loans in Traverse City, Michigan in 2025, banks 31.5 percent and credit unions 22.5 percent. United Wholesale Mortgage was the largest mortgage company, Huntington National Bank the largest bank and 4Front Credit Union the largest credit union. Among lenders headquartered in Michigan, Independent Bank led with 12 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 Traverse City, MI
By home loans closed in 2025, Huntington National Bank was the largest mortgage lender in Traverse City, Michigan with 20 loans, about 4.6 percent of the market. The largest lender headquartered in Michigan was Independent Bank with 12 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Traverse City, Michigan, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 96.7 percent, against a 90.4 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.
7 lenders closed FHA loans in Traverse City, Michigan in 2025, led by United Wholesale Mortgage with 11. 13 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. 39 banks and 21 credit unions closed home loans in Traverse City, Michigan in 2025, alongside 44 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 Traverse City, 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 Traverse City, 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 Traverse City. 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.
