Mortgage lenders in Montcalm County
1,767 mortgages were made in Montcalm County, Michigan, in 2025, by 208 lenders. The median rate their borrowers got was 6.625% on a median loan of $165,000. Of 2,340 decisions, 472 were denials — 20.2%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| LAKE MICHIGAN CREDIT UNION | 156 | 6.625% | $180,000 | 7.0% |
| The Huntington National Bank | 117 | 7.440% | $85,000 | 29.0% |
| Rocket Mortgage, LLC | 112 | 6.625% | $170,000 | 22.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 109 | 6.399% | $225,000 | 12.5% |
| Fifth Third Bank, National Association | 77 | 7.750% | $105,000 | 29.9% |
| Isabella Bank | 73 | 6.625% | $155,000 | 15.1% |
| Independent Bank | 63 | 7.000% | $105,000 | 27.3% |
| MORTGAGE 1 INCORPORATED | 54 | 6.625% | $205,000 | 3.5% |
| PREFERRED CREDIT UNION | 50 | 6.250% | $70,000 | 12.3% |
| Sidney State Bank | 49 | Not published | $155,000 | 9.8% |
| Mercantile Bank | 45 | 6.750% | $155,000 | 19.6% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 39 | 6.750% | $185,000 | 9.3% |
| GUILD MORTGAGE COMPANY | 38 | 6.625% | $185,000 | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 34 | 6.625% | $185,000 | 2.9% |
| MICHIGAN ONE COMMUNITY Credit Union | 34 | 7.000% | $45,000 | 12.5% |
| UNION HOME MORTGAGE CORP. | 31 | 6.875% | $195,000 | 0.0% |
| GreenStone Farm Credit Services, FLCA | 28 | 6.700% | $240,000 | 0.0% |
| MMS MORTGAGE SERVICES, LTD. | 25 | 6.375% | $185,000 | 7.1% |
| Mortgage Research Center, LLC | 24 | 6.250% | $250,000 | 20.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 23 | 6.625% | $195,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 21 | 6.250% | $285,000 | 8.7% |
| CONSUMERS CREDIT UNION | 17 | 6.625% | $235,000 | 5.6% |
| VAN DYK MORTGAGE CORPORATION | 17 | 6.625% | $175,000 | 5.6% |
| NEWREZ LLC | 14 | 6.500% | $185,000 | 12.5% |
| ChoiceOne Bank | 14 | 6.625% | $200,000 | 11.8% |
| The Dart Bank | 14 | 7.500% | $250,000 | 12.5% |
| Fairway Independent Mortgage Corporation | 14 | 6.688% | $220,000 | 6.7% |
| CHURCHILL MORTGAGE CORPORATION | 14 | 6.625% | $170,000 | 0.0% |
| Loandepot.Com, LLC | 13 | 6.875% | $75,000 | 39.1% |
| FIRST COMMUNITY MORTGAGE, INC. | 13 | 6.750% | $245,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 13 | 6.625% | $195,000 | 22.2% |
| CARRINGTON MORTGAGE SERVICES, LLC | 12 | 6.625% | $140,000 | 39.3% |
| Adventure Credit Union | 12 | 6.990% | $75,000 | 14.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 12 | 6.813% | $215,000 | 0.0% |
| JPMorgan Chase Bank, National Association | 10 | 6.875% | $240,000 | 16.7% |
| PENNYMAC LOAN SERVICES, LLC | 9 | Under 10 loans | Under 10 loans | 16.7% |
| PRESTON HOME LOANS INC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 20.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 38.5% |
| Community First Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 10.0% |
| NORTHERN MORTGAGE SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 7 | Under 10 loans | Under 10 loans | 11.8% |
| FIGURE LENDING LLC | 7 | Under 10 loans | Under 10 loans | 31.8% |
| LAKEVIEW LOAN SERVICING, LLC | 7 | Under 10 loans | Under 10 loans | 43.8% |
| GUARANTEED RATE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN FIRST CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| RIVER VALLEY CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 36.4% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| MORTGAGE CENTER L.C | 7 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 55.6% |
| Bank of America, National Association | 6 | Under 10 loans | Under 10 loans | 53.8% |
| DFCU FINANCIAL | 6 | Under 10 loans | Under 10 loans | 22.2% |
| PNC Bank, National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Zippy Loans, LLC | 5 | Under 10 loans | Under 10 loans | 58.3% |
| VILLAGE CAPITAL & INVESTMENT LLC | 5 | Under 10 loans | Under 10 loans | 8.3% |
| United Bank of Michigan | 5 | Under 10 loans | Under 10 loans | 28.6% |
| AMERICAN FINANCIAL RESOURCES, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| PFCU | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 77.8% |
| SPRING EQ, LLC | 4 | Under 10 loans | Under 10 loans | 66.7% |
| Northpointe Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Navy Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 33.3% |
| PLAZA HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 55.6% |
| Cornerstone First Mortgage, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| GERBER FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Meijer Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 85.0% |
| Broker Solutions, Inc. | 3 | Under 10 loans | Under 10 loans | 62.5% |
| CREDIT UNION ONE | 3 | Under 10 loans | Under 10 loans | 25.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| T2 FINANCIAL LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Horizon Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Lendage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Highpoint Community Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ZILLOW HOME LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN SCHOOLS AND GOVERNMENT | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Dort Financial Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DOW CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| STAUNTON FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Macatawa Bank, N. A. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| INTANDEM CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| United Trust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AAC Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAFCU Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GreenStone Farm Credit Services, ACA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CASE Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Merchants Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900O723MCLR701H50 | 1 | Under 10 loans | Under 10 loans | 90.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 87.5% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 83.3% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Lake Trust Credit Union | 1 | Under 10 loans | Under 10 loans | 75.0% |
| West Michigan Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GVC MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Superior National Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| West Michigan Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commercial Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CLEARPATH LENDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY CHOICE | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Libertyville Bank & Trust Company, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Frankenmuth Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NOTRE DAME FEDERAL CREDIT UNION CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community West Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wildfire Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Honor Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITYAMERICA CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOVITA Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE LINK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BLG HOLDINGS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ADVIA Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRUE COMMUNITY Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| State Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 0 | Under 10 loans | Under 10 loans | 80.0% |
| Citizens Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Empeople Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MEMBERS FIRST Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BPL MORTGAGE TRUST, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MEMBER FIRST MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| SUN WEST MORTGAGE COMPANY, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HFG HOLDINGS, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| USAA Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NBKC BANK | 0 | Under 10 loans | Under 10 loans | Not published |
| Sierra Pacific Mortgage Company, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICA FIRST Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| JMAC LENDING, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| COAST ONE MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| OriginPoint, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| ADVANCIAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| OCMBC, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Home Loan Investment Bank, F.S.B. | 0 | Under 10 loans | Under 10 loans | Not published |
| ELGA CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| QUORUM FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Ixonia Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| County National Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GREENSTATE Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Merchants Bank of Indiana | 0 | Under 10 loans | Under 10 loans | Not published |
| MERIDIAN BANK | 0 | Under 10 loans | Under 10 loans | Not published |
| Beeline Loans, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 8 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Bank branches in Montcalm County
16 FDIC-insured branches from 7 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| The Huntington National Bank | 3 | $235.4 million |
| Isabella Bank | 3 | $202.6 million |
| Mercantile Bank | 3 | $127.5 million |
| Sidney State Bank | 3 | $123.1 million |
| Independent Bank | 2 | $127.3 million |
| Fifth Third Bank, National Association | 1 | $101.5 million |
| Commercial Bank | 1 | $39.3 million |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.