Mortgage Lenders and Brokers in White Pigeon, 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 Pigeon, Michigan mortgage lenders include Sturgis Bank & TrustSturgis Bank & Trust122 W Chicago Rd, White Pigeon, MI 49099A5.0 ★Texas Ratio: 9.46%, Farmers State BankFarmers State Bank809 W Chicago Rd, Sturgis, MI 49091A+5.0 ★Texas Ratio: 0.14%, OMNI Community Credit UnionOMNI Community Credit Union114 E Chicago Rd, White Pigeon, MI 49099A+5.0 ★Texas Ratio: 2.36%, Kellogg Community Credit UnionKellogg Community Credit Union41 2nd St, Battle Creek, MI 49014 6286A+5.0 ★Texas Ratio: 1.68%, Lake Michigan Credit UnionLake Michigan Credit Union496 Ada Dr SE STE 103, Ada, MI 49301, Member First Mortgage, LLCMember First Mortgage, LLC650 W 5th St, Clare, MI 48617, Huntington National BankHuntington National Bank202 W Maumee St, Adrian, MI 49221A+5.0 ★Texas Ratio: 3.66%, Horizon BankHorizon Bank144 W Huron Rd, Au Gres, MI 48703A+5.0 ★Texas Ratio: 4.40%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA455 Ada Dr Se, Ada, MI 49301A+5.0 ★Texas Ratio: 3.68%, and Keybank National AssociationKeybank National Association1352 S Main St, Adrian, MI 49221A+5.0 ★Texas Ratio: 4.81%. 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 Pigeon, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in White Pigeon 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 Pigeon, Michigan
Market share is the lender's share of all home loans closed in White Pigeon, 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 Pigeon 122 W Chicago Rd, White Pigeon, MI 49099 A5.0 ★Texas Ratio: 9.46% |
Conventional, Jumbo, HELOC | 12 +13 HELOCs |
11.1% | 92.9% | $275,000 | View |
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809 W Chicago Rd, Sturgis, MI 49091 A+5.0 ★Texas Ratio: 0.14% |
Conventional, HELOC | 5 +3 HELOCs |
4.6% | 100% | $235,000 | View |
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114 E Chicago Rd, White Pigeon, MI 49099 A+5.0 ★Texas Ratio: 2.36% |
Conventional, HELOC | 5 +2 HELOCs |
4.6% | 50% | $83,000 | View |
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41 2nd St, Battle Creek, MI 49014 6286 A+5.0 ★Texas Ratio: 1.68% |
Conventional | 2 | 1.9% | 100% | $50,000 | View |
Lake Michigan Credit Union
496 Ada Dr SE STE 103, Ada, MI 49301 |
Conventional | 2 | 1.9% | 100% | $245,000 | |
Member First Mortgage, LLC
650 W 5th St, Clare, MI 48617 |
Conventional, FHA | 2 | 1.9% | 100% | $150,000 | |
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202 W Maumee St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 3.66% |
Conventional, HELOC | 1 +1 HELOCs |
0.9% | 100% | $65,000 | View |
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144 W Huron Rd, Au Gres, MI 48703 A+5.0 ★Texas Ratio: 4.40% |
Conventional, HELOC | 1 +1 HELOCs |
0.9% | 100% | $205,000 | View |
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455 Ada Dr Se, Ada, MI 49301 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.9% | 100% | $185,000 | View |
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1352 S Main St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 4.81% |
Conventional | 1 | 0.9% | 50% | $95,000 | View |
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1026 W Midland Rd, AUBURN, MI 48611 A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.9% | 100% | $185,000 | View |
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395 Briarwood Cir, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.9% | 100% | $355,000 | View |
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1004 W Midland Rd, Auburn, MI 48611 A5.0 ★Texas Ratio: 6.46% |
Conventional | 1 | 0.9% | 100% | $135,000 | View |
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6081 B Dr N, Battle Creek, MI 49014 8367 A+5.0 ★Texas Ratio: 3.56% |
Conventional | 1 | 0.9% | 100% | $175,000 | View |
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5350 Beckley Road B Drive North, Battle Creek, MI 49015 A5.0 ★Texas Ratio: 8.82% |
Conventional | 1 | 0.9% | 100% | $365,000 | View |
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475 Ada Drive, Ada Township, MI 49301 A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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223 S Front St, Dowagiac, MI 49047 A+5.0 ★Texas Ratio: 5.01% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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7200 KALAMAZOO AVE SE, CALEDONIA, MI 49316 A5.0 ★Texas Ratio: 12.10% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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3930 S State Rd, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 4.12% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Rocket Mortgage
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Conventional, FHA | 5 | 4.6% | 83.3% | $225,000 | |
United Wholesale Mortgage
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FHA, VA | 2 | 1.9% | 100% | $260,000 | |
VanDyk Mortgage Corporation
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Conventional | 1 | 0.9% | 100% | $225,000 | |
Ruoff Mortgage Company
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Conventional, FHA, USDA | 14 | 13% | 93.3% | $184,285 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA | 5 | 4.6% | 71.4% | $345,000 | |
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A5.0 ★Texas Ratio: 10.52% |
Conventional | 5 | 4.6% | 83.3% | $189,000 | View |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional | 3 | 2.8% | 75% | $305,000 | View |
Freedom Mortgage Corporation
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FHA | 2 | 1.9% | 66.7% | $140,000 | |
CrossCountry Mortgage, LLC
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FHA | 2 | 1.9% | 100% | $160,000 | |
City 1st Mortgage Services, LC
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Conventional, FHA | 2 | 1.9% | 100% | $150,000 | |
Union Home Mortgage Corp.
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Conventional, FHA | 2 | 1.9% | 100% | $190,000 | |
Cardinal Financial Company, Li
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Conventional, FHA | 2 | 1.9% | 100% | $175,000 | |
Waterstone Mortgage Corporation
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Conventional, FHA | 2 | 1.9% | 100% | $105,000 | |
Nationstar Mortgage
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Conventional | 2 | 1.9% | 100% | $55,000 | |
Interra Credit Union
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Conventional, HELOC | 1 +2 HELOCs |
0.9% | 100% | $185,000 | |
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A+5.0 ★Texas Ratio: 2.66% |
Conventional, HELOC | 1 +1 HELOCs |
0.9% | 100% | $255,000 | View |
Royal United Mortgage LLC
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Conventional | 1 | 0.9% | 50% | $145,000 | |
Primelending
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FHA | 1 | 0.9% | 100% | $205,000 | |
Greenstate Credit Union
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Conventional | 1 | 0.9% | 100% | $355,000 | |
Contour Mortgage Corporation
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FHA | 1 | 0.9% | 100% | $225,000 | |
Everett Financial, Inc.
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Conventional | 1 | 0.9% | 100% | $235,000 | |
Gvc Mortgage, Inc.
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Conventional | 1 | 0.9% | 100% | $95,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.9% | 100% | $95,000 | |
Deephaven Mortgage LLC
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Conventional | 1 | 0.9% | 100% | $165,000 | |
loanDepot.com LLC
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FHA | 1 | 0.9% | 100% | $115,000 | |
Greenwood Credit Union
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Conventional | 1 | 0.9% | 100% | $25,000 | |
Beacon Credit Union
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Conventional, Jumbo | 1 | 0.9% | 100% | $1,155,000 | |
New Day Financial, LLC.
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VA | 1 | 0.9% | 100% | $215,000 | |
Planet Home Lending, LLC
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FHA | 1 | 0.9% | 100% | $285,000 | |
Mortgage Research Center
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VA | 1 | 0.9% | 100% | $295,000 | |
Summit Funding.Inc
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Conventional | 1 | 0.9% | 100% | $605,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.9% | 100% | $235,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.9% | 100% | $115,000 | |
New American Funding, LLC.
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Conventional, Jumbo | 1 | 0.9% | 33.3% | $995,000 | |
Fairway Independent Mort Corp
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Conventional | 1 | 0.9% | 100% | $175,000 | |
Paramount Residential Mortgage
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USDA | 1 | 0.9% | 100% | $205,000 | |
Everence Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A5.0 ★Texas Ratio: 6.90% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A5.0 ★Texas Ratio: 6.45% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
White Pigeon 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 Pigeon, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in White Pigeon? The list below shows the banks, credit unions and mortgage brokers that closed home loans in White Pigeon in 2025, with lenders based there listed first.
Types of Mortgage Lenders in White Pigeon, MI
Use these to narrow the list above. Each category shows how many White Pigeon, MI lenders fit and what that kind of lender is usually best for.
Who Lends in White Pigeon, MI
Independent mortgage companies closed 52.8 percent of home loans in White Pigeon, Michigan in 2025, banks 33.3 percent and credit unions 13.9 percent. Member First Mortgage, LLC was the largest mortgage company, Sturgis Bank & Trust the largest bank and OMNI Community Credit Union the largest credit union. Among lenders headquartered in Michigan, Sturgis Bank & Trust 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 White Pigeon, MI
By home loans closed in 2025, Sturgis Bank & Trust was the largest mortgage lender in White Pigeon, Michigan with 12 loans, about 11.1 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 Pigeon, Michigan in 2025, led by Ruoff Mortgage Company with 6. 3 lenders closed VA loans, led by United Wholesale Mortgage, and 2 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. 19 banks and 11 credit unions closed home loans in White Pigeon, Michigan in 2025, alongside 28 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 Pigeon, 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 Pigeon, 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 Pigeon. 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.
