Mortgage Lenders and Brokers in Union 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
Union City, Michigan mortgage lenders include Southern Michigan Bank & TrustSouthern Michigan Bank & Trust405 N Broadway St, Union City, MI 49094A5.0 ★Texas Ratio: 8.82%, Kellogg Community Credit UnionKellogg Community Credit Union41 2nd St, Battle Creek, MI 49014 6286A+5.0 ★Texas Ratio: 1.68%, Marshall Community Credit UnionMarshall Community Credit Union1157 Michigan Ave E, Battle Creek, MI 49014 6802A5.0 ★Texas Ratio: 7.49%, Sturgis Bank & TrustSturgis Bank & Trust232 W Monroe St, Bangor, MI 49013A5.0 ★Texas Ratio: 9.46%, Huntington National BankHuntington National Bank202 W Maumee St, Adrian, MI 49221A+5.0 ★Texas Ratio: 3.66%, Honor Credit UnionHonor Credit Union1253 Lincoln Rd, Allegan, MI 49010A+5.0 ★Texas Ratio: 5.27%, Consumers Credit UnionConsumers Credit Union6081 B Dr N, Battle Creek, MI 49014 8367A+5.0 ★Texas Ratio: 3.56%, OMNI Community Credit UnionOMNI Community Credit Union101 W Monroe St, Bangor, MI 49013A+5.0 ★Texas Ratio: 2.36%, Mercantile BankMercantile Bank230 Woodworth Ave, Alma, MI 48801A+5.0 ★Texas Ratio: 0.63%, and Lake Michigan Credit UnionLake Michigan Credit Union496 Ada Dr SE STE 103, Ada, MI 49301. 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 Union City, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Union 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 Union City, Michigan
Market share is the lender's share of all home loans closed in Union 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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2 offices in Union City 405 N Broadway St, Union City, MI 49094 A5.0 ★Texas Ratio: 8.82% |
Conventional | 8 | 10.7% | 90% | $206,250 | View |
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41 2nd St, Battle Creek, MI 49014 6286 A+5.0 ★Texas Ratio: 1.68% |
Conventional | 7 | 9.3% | 100% | $96,428 | View |
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1157 Michigan Ave E, Battle Creek, MI 49014 6802 A5.0 ★Texas Ratio: 7.49% |
Conventional | 7 | 9.3% | 100% | $125,000 | View |
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232 W Monroe St, Bangor, MI 49013 A5.0 ★Texas Ratio: 9.46% |
Conventional, HELOC | 3 +2 HELOCs |
4% | 100% | $155,000 | View |
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202 W Maumee St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 3.66% |
Conventional | 3 | 4% | 60% | $115,000 | View |
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1253 Lincoln Rd, Allegan, MI 49010 A+5.0 ★Texas Ratio: 5.27% |
Conventional | 2 | 2.7% | 100% | $100,000 | View |
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6081 B Dr N, Battle Creek, MI 49014 8367 A+5.0 ★Texas Ratio: 3.56% |
Conventional, HELOC | 1 +5 HELOCs |
1.3% | 100% | $65,000 | View |
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101 W Monroe St, Bangor, MI 49013 A+5.0 ★Texas Ratio: 2.36% |
Conventional | 1 | 1.3% | 50% | $115,000 | View |
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230 Woodworth Ave, Alma, MI 48801 A+5.0 ★Texas Ratio: 0.63% |
Conventional | 1 | 1.3% | 100% | $115,000 | View |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
Conventional | 1 | 1.3% | 100% | $175,000 | |
Member First Mortgage, LLC
650 W 5th St, Clare, MI 48617 |
FHA | 1 | 1.3% | 100% | $215,000 | |
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1553 Lansing Rd, Charlotte, MI 48813 A+5.0 ★Texas Ratio: 1.86% |
Conventional | 1 | 1.3% | 100% | $25,000 | View |
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2550 Capital Ave SW, Battle Creek, MI 49015 A+5.0 ★Texas Ratio: 5.38% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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455 Ada Dr Se, Ada, MI 49301 A+5.0 ★Texas Ratio: 3.68% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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3233 Fairlane Dr, Allen Park, MI 48101 D3.3 ★Texas Ratio: 35.11% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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2121 S Drake Rd, Kalamazoo, MI 49006 5776 A+5.0 ★Texas Ratio: 2.20% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
United Wholesale Mortgage
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Conventional, FHA, VA | 5 | 6.7% | 100% | $209,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 5 | 6.7% | 62.5% | $151,000 | |
Msu Federal Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
1.3% | 100% | $465,000 | |
Gold Star Mortgage Financial Group, Corporation
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Conventional | 1 | 1.3% | 100% | $135,000 | |
GreenStone Farm Credit Services
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Conventional | 1 | 1.3% | 100% | $225,000 | |
Union Home Mortgage Corp.
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Conventional, FHA, VA, USDA, HELOC | 8 +1 HELOCs |
10.7% | 100% | $183,750 | |
Mortgage Research Center
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VA | 3 | 4% | 100% | $245,000 | |
Gvc Mortgage, Inc.
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Conventional, FHA | 2 | 2.7% | 100% | $215,000 | |
loanDepot.com LLC
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Conventional | 2 | 2.7% | 66.7% | $95,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 1.3% | 100% | $45,000 | View |
Newrez LLC
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Conventional | 1 | 1.3% | 100% | $55,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 1.3% | 100% | $165,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 1.3% | 100% | $285,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 1.3% | 50% | $65,000 | |
Das Acquisition Company, LLC
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Conventional | 1 | 1.3% | 100% | $355,000 | |
Marlin Mortgage Capital, LLC
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FHA | 1 | 1.3% | 100% | $105,000 | |
Cardinal Financial Company, Li
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FHA | 1 | 1.3% | 100% | $105,000 | |
New Day Financial, LLC.
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VA | 1 | 1.3% | 100% | $185,000 | |
Nationstar Mortgage
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Conventional | 1 | 1.3% | 100% | $45,000 | |
New American Funding, LLC.
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FHA | 1 | 1.3% | 100% | $55,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Union 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 Union City, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Union City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Union City in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Union City, MI
Use these to narrow the list above. Each category shows how many Union City, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Union City, MI
Independent mortgage companies closed 50.7 percent of home loans in Union City, Michigan in 2025, banks 21.3 percent and credit unions 28 percent. Member First Mortgage, LLC was the largest mortgage company, Southern Michigan Bank & Trust the largest bank and Kellogg Community Credit Union the largest credit union. Among lenders headquartered in Michigan, Southern Michigan Bank & Trust 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 Union City, MI
By home loans closed in 2025, Southern Michigan Bank & Trust was the largest mortgage lender in Union City, Michigan with 8 loans, about 10.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
9 lenders closed FHA loans in Union City, Michigan in 2025, led by Union Home Mortgage Corp. with 4. 5 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. 8 banks and 10 credit unions closed home loans in Union City, Michigan in 2025, alongside 19 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 Union 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 Union 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 Union 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.
