Mortgage Lenders and Brokers in White Cloud, 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
White Cloud, Michigan mortgage lenders include Independent BankIndependent Bank1075 E Wilcox Ave, White Cloud, MI 49349A5.0 ★Texas Ratio: 6.46%, Gerber Federal Credit UnionGerber Federal Credit Union508 State St, Fremont, MI 49412A+5.0 ★Texas Ratio: 4.59%, Huntington National BankHuntington National Bank202 W Maumee St, Adrian, MI 49221A+5.0 ★Texas Ratio: 3.66%, Towne Mortgage CompanyTowne Mortgage Company2400 Green Rd, Ann Arbor, MI 48105 1550A+5.0 ★Texas Ratio: 2.54%, ChoiceOne BankChoiceOne Bank5515 Van Dyke Rd, Almont, MI 48003A+5.0 ★Texas Ratio: 5.45%, Lake Michigan Credit UnionLake Michigan Credit Union496 Ada Dr SE STE 103, Ada, MI 49301, State Savings BankState Savings Bank49 N Benzie Blvd, Beulah, MI 49617A+5.0 ★Texas Ratio: 1.81%, Dart BankDart Bank2469 Cedar Street, Delhi Township, MI 48842A-4.9 ★Texas Ratio: 16.59%, Michigan First Credit UnionMichigan First Credit Union20645 Gibraltar Rd, Brownstown Twp, MI 48183A+5.0 ★Texas Ratio: 4.92%, and WmcuWmcu825 Division St, Big Rapids, MI 49307 2229. 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 White Cloud, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in White Cloud 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 White Cloud, Michigan
Market share is the lender's share of all home loans closed in White Cloud, 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 White Cloud 1075 E Wilcox Ave, White Cloud, MI 49349 A5.0 ★Texas Ratio: 6.46% |
Conventional, FHA, HELOC | 9 +2 HELOCs |
9.9% | 90% | $206,111 | View |
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508 State St, Fremont, MI 49412 A+5.0 ★Texas Ratio: 4.59% |
Conventional | 8 | 8.8% | 80% | $101,250 | View |
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202 W Maumee St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 3.66% |
Conventional, HELOC | 4 +2 HELOCs |
4.4% | 83.3% | $182,500 | View |
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2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54% |
Conventional, VA | 3 | 3.3% | 100% | $235,000 | View |
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5515 Van Dyke Rd, Almont, MI 48003 A+5.0 ★Texas Ratio: 5.45% |
Conventional | 3 | 3.3% | 75% | $125,000 | View |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
Conventional, HELOC | 2 +1 HELOCs |
2.2% | 40% | $155,000 | |
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49 N Benzie Blvd, Beulah, MI 49617 A+5.0 ★Texas Ratio: 1.81% |
Conventional | 1 | 1.1% | 100% | $165,000 | View |
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2469 Cedar Street, Delhi Township, MI 48842 A-4.9 ★Texas Ratio: 16.59% |
Conventional | 1 | 1.1% | 100% | $115,000 | View |
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20645 Gibraltar Rd, Brownstown Twp, MI 48183 A+5.0 ★Texas Ratio: 4.92% |
Conventional | 1 | 1.1% | 100% | $145,000 | View |
Wmcu
825 Division St, Big Rapids, MI 49307 2229 |
Conventional | 1 | 1.1% | 100% | $35,000 | |
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6081 B Dr N, Battle Creek, MI 49014 8367 A+5.0 ★Texas Ratio: 3.56% |
Conventional | 1 | 1.1% | 100% | $165,000 | View |
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8301 Byron Center Ave Sw, Byron Center, MI 49315 A+5.0 ★Texas Ratio: 0.48% |
Conventional | 1 | 1.1% | 100% | $405,000 | View |
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115 S Stone Rd, Fremont, MI 49412 A+5.0 ★Texas Ratio: 2.43% |
Conventional | 1 | 1.1% | 100% | $15,000 | View |
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3333 Deposit Dr Ne, Grand Rapids, MI 49546 A5.0 ★Texas Ratio: 8.47% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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475 Ada Drive, Ada Township, MI 49301 A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +1 HELOCs |
0% | 0% | 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 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 9 | 9.9% | 64.3% | $269,444 | |
Rocket Mortgage
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Conventional, FHA, VA | 7 | 7.7% | 61.5% | $110,714 | |
Gold Star Mortgage Financial Group, Corporation
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Conventional, FHA | 2 | 2.2% | 100% | $125,000 | |
Mortgage 1 Incorporated
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Conventional, VA | 2 | 2.2% | 100% | $340,000 | |
Success Mortgage Partners, Inc
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Conventional, FHA | 2 | 2.2% | 100% | $235,000 | |
GreenStone Farm Credit Services
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Conventional | 2 | 2.2% | 100% | $90,000 | |
Polaris Home Funding Corp.
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VA | 1 | 1.1% | 100% | $245,000 | |
Mortgage Research Center
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FHA, VA | 4 | 4.4% | 100% | $242,500 | |
Newrez LLC
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Conventional, FHA, VA | 3 | 3.3% | 60% | $135,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional, FHA | 2 | 2.2% | 100% | $170,000 | View |
CrossCountry Mortgage, LLC
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Conventional, FHA | 2 | 2.2% | 100% | $195,000 | |
loanDepot.com LLC
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Conventional, VA | 2 | 2.2% | 100% | $180,000 | |
Guild Mortgage Company
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Conventional, FHA | 2 | 2.2% | 100% | $70,000 | |
New American Funding, LLC.
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FHA | 2 | 2.2% | 100% | $270,000 | |
21St Mortgage
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Conventional | 2 | 2.2% | 66.7% | $95,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 1.1% | 100% | $175,000 | View |
American Financial Resources LLC
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FHA | 1 | 1.1% | 50% | $165,000 | |
Guaranteed Rate, Inc.
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FHA | 1 | 1.1% | 100% | $155,000 | |
Everett Financial, Inc.
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VA | 1 | 1.1% | 50% | $205,000 | |
Pennymac Loan Services LLC
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VA | 1 | 1.1% | 50% | $165,000 | |
Amerisave Mortgage Company
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FHA | 1 | 1.1% | 50% | $65,000 | |
American Financing Corporation
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FHA | 1 | 1.1% | 100% | $185,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 1.1% | 100% | $285,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 1.1% | 50% | $185,000 | |
Navy Federal Credit Union
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Conventional | 1 | 1.1% | 100% | $405,000 | |
Leaderone Financial Corp.
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FHA | 1 | 1.1% | 100% | $355,000 |
White Cloud 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 White Cloud, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in White Cloud? The list below shows the banks, credit unions and mortgage brokers that closed home loans in White Cloud in 2025, with lenders based there listed first.
Types of Mortgage Lenders in White Cloud, MI
Use these to narrow the list above. Each category shows how many White Cloud, MI lenders fit and what that kind of lender is usually best for.
Who Lends in White Cloud, MI
Independent mortgage companies closed 60.4 percent of home loans in White Cloud, Michigan in 2025, banks 23.1 percent and credit unions 16.5 percent. Towne Mortgage Company was the largest mortgage company, Independent Bank the largest bank and Gerber Federal Credit Union the largest credit union. Among lenders headquartered in Michigan, Independent Bank led with 9 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 White Cloud, MI
By home loans closed in 2025, Independent Bank was the largest mortgage lender in White Cloud, Michigan with 9 loans, about 9.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
16 lenders closed FHA loans in White Cloud, Michigan in 2025, led by United Wholesale Mortgage with 6. 10 lenders closed VA loans, led by Mortgage Research Center. 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. 10 banks and 7 credit unions closed home loans in White Cloud, Michigan in 2025, alongside 25 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 White Cloud, 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 White Cloud, 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 White Cloud. 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.
