VP Area Sales Manager & Senior Residential Loan Officer

623 Washington Ave.
Bay City, MI 48708
Office: 989.891.4053
Fax: 989.891.4114
Cell: 989.450.5196
NMLS ID: 772461

Joe brings 15 years of mortgage experience and is heavily involved in the local real estate market. He also has an established and reputable relationship with the tri-city community.


Call my office 989.891.4053

Click Here to fill out an online application.

Visit me at my office:
623 Washington Ave.

Bay City, MI 48708

Still want to have personal assistance?

You can call or e-mail me to answer any of your questions or to ask for advice.

Ready to close on your mortgage quickly?

I may get your mortgage pre-approved in minutes, rather than days or weeks!


Ask me about prequalification, so you can shop for your home knowing that you can afford the mortgage.

What my clients are saying: 

"Joe Spada is the best of the best! We’ve already told friends and family about him/Independent Bank and would not use anyone else in the future! Thank you, Joe!!" - Tracy P.

“Working with Joe was a great experience. I will definitely work with him in the future. He was very professional, knowledgeable and answered any questions that I had about the loan. His staff also did an awesome job with every aspect of the loan process. Thanks to Joe and the entire Independent Bank staff for a quick loan process and closing.” - Jeffery R.

I am moving to a new area and Joe went above and beyond to help with this purchase. He was knowledgeable and got things done in a timely manner. I will refer him and Independent Bank in the future. Thank you!” - Heather G.

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