# Best Credit Union Mortgage Lenders in Bay City, MI - 2026


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


> Compare the top credit unions offering mortgages in Bay City, MI. Data-driven rankings based on pricing, approval rates, and local market expertise.

## Market Overview

- **Location:** Bay City, MI
- **Ranking Type:** Best Mortgage Lenders
- **Institution Type:** Credit Unions
- **Total Lenders in Market:** 8
- **Total Loan Volume:** 193
- **Last Updated:** 2026-02-06

## Top Lenders

| Rank | Lender | Type | Overall | Pricing | Pull Through |
|------|--------|------|---------|---------|--------------|
| 1 | [Frankenmuth Credit Union](https://saferate.com/lenders/frankenmuth-credit-union) | Credit Union | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 2 | [FINANCIAL PLUS CREDIT UNION](https://saferate.com/lenders/financial-plus-credit-union-mi) | Credit Union | Strong 😀 | Exceptional 🤩 | Sound ☺️ |
| 3 | [DOW CREDIT UNION](https://saferate.com/lenders/dow-credit-union) | Credit Union | Strong 😀 | Strong 😀 | Sound ☺️ |
| 4 | [FinancialEdge Community Credit Union](https://saferate.com/lenders/financialedge-community-credit-union) | Credit Union | Strong 😀 | Strong 😀 | Acceptable 🙂 |
| 5 | [SUNRISE FAMILY CREDIT UNION](https://saferate.com/lenders/sunrise-family-credit-union) | Credit Union | Strong 😀 | Strong 😀 | Acceptable 🙂 |
| 6 | [JOLT CREDIT UNION](https://saferate.com/lenders/jolt-credit-union) | Credit Union | Sound ☺️ | Strong 😀 | Mediocre 😐 |

## Lender Profiles

Click on any lender above to view their full Safe Rate profile, including:
- Detailed pricing analysis
- Pull-through rates
- Product specializations
- Safe Rate Awards
- Geographic coverage

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*Rankings provided by Safe Rate based on HMDA data analysis.*
*Data Version: 2024-HMDA | Last Updated: 2026-02-06*

[View interactive rankings on Safe Rate](https://saferate.com/bay-city-mi/best-mortgage-lenders/credit-unions)