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Linked web pages are not under the control of Independent Bank, its affiliates or subsidiaries. Be aware the privacy policy of the site to which you are going may differ from that of Independent Bank. Independent Bank provides external links as a convenience and is not responsible for the content, accessibility, or security of any linked web page.
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A: 3025 Boardwalk Drive Suite 260 Ann Arbor MI 48108
P: 734-545-7124
A: 1004 W. Midland Road Auburn, MI 48611
P: 989.662.4403
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 6:00 pm
Saturday CLOSED
A: 655 N. Port Crescent Bad Axe, MI 48413
P: 989.269.6471
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Monday - Thursday 8:30 am - 5:00 pm
Friday 8:30 am - 6:00 pm
Saturday 9:00 am - 12:00 pm
A: 745 N. Euclid Ave. Bay City, MI 48706
P: 989.684.6021
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Sunday - closed
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 6:00 pm
Saturday 9:00 am - 12:00 pm
Sunday - closed
A: 623 Washington Ave. Bay City, MI 48708
P: 989.892.3511
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 6:00 pm
A: 130 S. Bridge St. Belding, MI 48809
P: 616.794.0600
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Saturday CLOSED
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 111 E. Capital Ave. Bellevue, MI 49021
P: 269.763.9424
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 32800 Southfield Road Beverly Hills, MI 48025
P: 248.647.5900
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 404 Perry Ave., Suite A Big Rapids, MI 49307
P: 231.796.5865
Monday - Thursday 9:00 am - 4:00 pm
Friday 9:00 am - 5:00 pm
Saturday - closed
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 8700 N. Second St, Brighton, MI 48116
P: 810.819.8005
Monday - Friday 9:00 am - 5:00 pm
Saturday CLOSED
Monday - Friday 9:00 am - 5:00 pm
Saturday CLOSED
A: 201 N. Mitchell St., Suite 104 Cadillac, MI 49601
P: 231.942.7156
Monday - Friday 9:00 am - 5:30 pm
A: 1111 W. Caro Road Caro, MI 48723
P: 989.673.5656
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Monday - Thursday 8:30 am - 5:00 pm
Friday 8:30 am - 6:00 pm
Saturday 9:00 am - 12:00 pm
A: 323 W. Main St. Carson City, MI 48811
P: 989.584.3118
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Saturday - closed
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 6727 Main St. Caseville, MI 48725
P: 989.856.2225
April 1 - September 30
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
October 1 - March 31
Monday - Thursday 9:00 am - 4:00 pm
Friday 9:00 am - 4:30 pm
April 1 - September 30
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
October 1 - March 31
Monday - Friday 9:00 am - 4:30 pm
Saturday CLOSED
A: 6241 Main St. Cass City, MI 48726
P: 989.872.2105
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Saturday - closed
Monday - Thursday 8:30 am - 5:00 pm
Friday 8:30 am - 6:00 pm
Saturday 9:00 am - 12:00 pm
A: 4115 17 Mile Road Cedar Springs, MI 49319
P: 616.696.0050
Monday - Wednesday 9:00 am - 5:00 pm
Thursday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 129 Lansing St. Charlotte, MI 48813
P: 517.543.4994
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Monday - Friday 8:30 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 21250 Hall Road, Suite 200, Clinton Township, MI 48038
P: 586.210.8112
Monday - Friday 9:00 am - 4:30 pm
A: 21250 Hall Road, Suite 200, Clinton Township, MI 48038
P: 586.327.1318
Monday - Friday 8:30 am - 5:00 pm
A: 3500 W. Vienna Road Clio, MI 48420
P: 810.687.6710
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:30 pm
Saturday 9:00 am - 12:00 pm
A: 7389 Croton Hardy Dr. Newaygo, MI 49337
A: 16030 Michigan Ave., Suite 210 Dearborn, MI 48126
P: 313.446.8670
Monday - Friday 9:00 am - 5:00 pm
A: 3100 Woodward Ave Suite 102, Detroit MI 48201
P: 248.952.4914
Wednesdays: 9 - 2 pm
Monday - Saturday: By Appointment Only
A: 1380 W. Lake Lansing Road East Lansing, MI 48823
P: 517.203.3800
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Monday - Thursday 9:00 am - 5:30 pm
Friday 9:00 am - 5:30 pm
Saturday 9:00 am - 12:00 pm
A: 2900 West Road East Lansing, MI 48823
P: 517.324.7400
Monday - Friday 9:00 am - 5:00 pm
A: 2461 S. Michigan Road Eaton Rapids, MI 48827
P: 517.663.4108
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 1615 W. Center Ave. Essexville, MI 48732
P: 989.893.4563
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Saturday - closed
Sunday - closed
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 6:00 pm
Saturday 9:00 am - 12:00 pm
Sunday - closed
A: 275 Springside Drive., Suite 101, Fairlawn, OH 44333
P: 234.815.1501
By Appointment Only
A: 32900 Middlebelt Road Farmington Hills, MI 48334
P: 248.539.4600
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 1014 S Beacon Blvd Grand Haven MI 49417
P: 616.836.9261
A: 6750 Cascade Road SE Grand Rapids, MI 49546
P: 616.949.2189
Monday - Friday 9:00 am - 4:30 pm
Saturday CLOSED
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 77 Monroe Center Ave. NW, Suite 1200 Grand Rapids, MI 49503
P: 616.458.7045
Monday - Friday 8:30 am - 5:00 pm
A: 4200 E. Beltline Grand Rapids, MI 49525
P: 616.363.1207
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:00 pm
Saturday Closed
A: 77 Monroe Center NW Grand Rapids, MI 49503
P: 616.458.7045
A: 3090 Plainfield NE Grand Rapids, MI 49505
P: 616.447.0900
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Saturday - closed
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 4525 Lake Michigan Dr. Walker, MI 49534
P: 616.735.2293
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 4150 E Beltline Grand Rapids MI 49525
P: 616-304-2009
A: 12368 Riley St, Holland, MI 49424
P: 616.344.2470
Monday - Friday 9:00 am - 4:30 pm
Saturday - By Appointment
Monday - Friday 9:00 am - 5:00 pm
Saturday CLOSED
A: 720 W. Shaw Howard City, MI 49329
P: 231.937.4374
Monday - Thursday 9:00 am - 4:00 pm
Friday 9:00 am - 5:00 pm
Saturday - closed
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 230 W. Main St. Ionia, MI 48846
A: 450 S. Dexter St. Ionia, MI 48846
P: 616.527.7500
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 2551 S. State St. Ionia, MI 48846
A: 2280 South 11th St Kalamazoo MI 49009
P: 269-569-7254
A: 5854 State St. Kingston, MI 48741
A: 144 S. Main St. Leslie, MI 49251
P: 517.589.8222
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:30 pm
Saturday 9:00 am - 12:00 pm
A: 37601 W. Five Mile Road Livonia, MI 48154
P: 734.591.4400
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Monday - Thursday 8:30 am - 5:00 pm
Friday 8:30 am - 5:30 pm
Saturday 9:00 am - 12:00 pm
A: 2593 S. Van Dyke Marlette, MI 48453
P: 989.635.3541
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Monday - Thursday 8:30 am - 5:00 pm
Friday 8:30 am - 6:00 pm
Saturday 9:00 am - 12:00 pm
A: 190 W. Kipp Road Mason, MI 48854
P: 517.244.9361
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 409 Ashman Midland , MI 48640
P: 989-486-6216
A: 3251 Henry St. Muskegon, MI 49441
P: 231.830.3999
Monday - Friday 9:00 am - 4:30 pm
Saturday CLOSED
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 41 N. State Rd. Newaygo, MI 49337
P: 231.652.1665
Monday - Thursday 9:00 am - 4:00 pm
Friday 9:00 am - 4:00 pm
Saturday - closed
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 199 W. River Valley Newaygo, MI 49337
A: 4046 Huron St. North Branch, MI 48461
P: 810.688.3051
A: 3765 Huron St. North Branch, MI 48461
P: 810.688.4727
Monday - Thursday 8:30 am - 5:00 pm
Friday 8:30 am - 6:00 pm
Saturday 9:00 am - 12:00 pm
A: 2119 Hamilton Road Okemos, MI 48864
P: 517.381.0817
Monday - Friday 9:00 am - 5:00 pm
Saturday CLOSED
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:30 pm
Saturday CLOSED
A: 112 S Main St, Olivet, MI 49076
24 Hour ATM Service
A: 7237 Nitz Street, Pigeon, MI 48755
24 Hour ATM Service
A: 408 Mable St. Pinconning, MI 48650
P: 989.879.2747
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Monday - Friday 9:00 am - 5:00 pm
Saturday CLOSED
A: 11628 Bunkerhill Road Pleasant Lake, MI 49272
P: 517.769.2200
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 1601 Grand River Ave. Portland, MI 48875
P: 517.647.7547
Monday - Friday 9:00 am - 4:30 pm
Saturday CLOSED
Monday - Friday 9:00 am - 4:30 pm
Saturday 9:00 am - 12:00 pm
A: 320 E Vermontville Hwy, Potterville, MI 48876
24 Hour ATM Service
A: 348 Main St. Rives Junction, MI 49277
A: 78 S. Main St. Rockford, MI 49341
P: 616.866.4471
Monday - Friday 9:00 am - 4:30 pm
Saturday CLOSED
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 28 N Monroe Rockford MI 49341
P: 616-304-2009
A: 1445 N. Center Road Saginaw, MI 48638
P: 989.799.1673
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Saturday - closed
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 6:00 pm
Saturday 9:00 am - 12:00 pm
A: 5500 Dixie Highway Saginaw, MI 48601
P: 989.777.1661
A: 4850 Bay Road Saginaw, MI 48604
P: 989.799.0070
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Sunday - closed
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 6:00 pm
Saturday 9:00 am - 12:00 pm
Sunday - closed
A: 3601 State St. Saginaw, MI 48602
P: 989.799.0720
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Saturday - closed
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 6:00 pm
Saturday 9:00 am - 12:00 pm
A: 5580 State St Suite 5 Saginaw MI 48603
P: 989-799-3159
By Appointment Only
A: 5 S 3rd St. Sand Lake MI 49343
P: 616.636.8881
A: 29 Church Street Saranac, MI 48881
P: 616.642.9406
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 4:30 pm
Saturday - closed
Monday - Friday 9:00 am - 4:30 pm
Saturday 9:00 am - 12:00 pm
A: 8880 Unionville Road Sebewaing, MI 48759
P: 989.883.3310
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Saturday - closed
Monday - Thursday 8:30 am - 5:00 pm
Friday 8:30 am - 6:00 pm
Saturday 9:00 am - 12:00 pm
A: 49785 Van Dyke Ave. Shelby Township, MI 48317
P: 586.731.6130
Monday - Friday 9:00 am - 4:30 pm
Saturday 9:00 am - 12:00 pm
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 250 Broadway St South Haven MI 49090
P: 269-569-7254
A: 525 S. State St. Sparta, MI 49345
P: 616.887.8277
Monday - Friday 9:00 am - 5:00 pm
Saturday - closed
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 209 S. Main St. Standish, MI 48658
P: 989.846.4595
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 93 W. Fourth St., Suite D Suttons Bay, MI 49682
P: 231.995.5565
Monday - Friday 9:00 am - 5:00 pm
Monday - Friday 9:00 am - 5:00 pm
A: 4011 Eastern Sky Dr. Traverse City, MI 49684
P: 231.995.5540
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:30 pm
Saturday 9:00 am - 12:00 pm
A: 333 W. Grandview Parkway Traverse City, MI 49684
P: 231.995.5508
A: 1239 S. Garfield Traverse City, MI 49686
P: 231.995.5575
Monday - Friday 9:00 am - 4:30 pm
Monday - Friday 9:00 am - 5:00 pm
A: 201 W. Big Beaver Road Troy, MI 48084
P: 248.689.1200
Monday - Friday 9:00 am - 5:00 pm
Monday - Friday 9:00 am - 5:00 pm
A: 201 W. Big Beaver Rd., Suite 201 Troy, MI 48084
P: 248.918.5690
Monday - Friday 9:00 am - 5:00 pm
A: 6586 Center St. Unionville, MI 48767
A: 194 Main St. Vermontville, MI 49096
A: 1075 Wilcox Ave. White Cloud, MI 49349
P: 231.689.6608
Monday - Friday 9:00 am - 4:00 pm
Saturday 9:00 am - 12:00 pm
Monday - Friday 9:00 am - 4:30 pm
Saturday 9:00 am - 12:00 pm
A: 1245 E. Grand River Road Williamston, MI 48895
P: 517.655.2168
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 109 E Main St Zeeland MI 49464
P: 616.836.9261
By Appointment Only
Ask us about pre-qualification or apply online, Friend!
Call or contact a mortgage loan officer by phone at 844.821.5663, or at your local Independent Bank office or loan center to request a prequalification to help find a home that fits within your budget.
Normal credit standards and restrictions apply to conventional loans. Additional credit standards apply to FHA & other government loans.
Check out our mortgage calculators!
Our Online Advance Deposit and Construction Rate-Lock Payment Centers are convenient ways to remit your payments for your real estate financing.
The MSHDA loan is for qualified borrowers who meet MSHDA income and purchase price limits. It may also provide borrowers with interest-free down payment assistance. This loan program is for primary residences located in Michigan.
At Independent Bank, we are committed to serving customers and providing access to credit in our local communities, that is why we are excited to offer the My Home Reward Program. Eligible purchase or refinance applicants in select neighborhoods could pay zero closing costs!*
Click to learn more about the My Home Reward Program and see if your property is eligible.
Simply set up your mortgage payment through autopay from your Independent Bank checking account. This will give you access to our convenient auto pay & eStatement services, giving you one less thing to worry about each month.
Contact your mortgage loan officer for prequalification or additional details at 800.285.3111.
You can also apply for a loan online.
A home equity loan or line of credit will allow you to borrow money secured by the equity in your home. Use the extra cash for whatever you choose: home improvements, tuition, debt consolidation, and more. Interest may even be tax deductible!
Easily transfer funds from your HELOC into your checking account via ONE Wallet, use your Equity Access MasterCard®, visit a branch, or call our Customer Experience Hub.
With our Platinum Pro Sweep, your home equity line of credit (HELOC) and direct deposit checking account are combined to maximize your cash flow. The checking account is swept on a daily basis and applied to the HELOC’s outstanding balance, reducing its average daily interest charges. You can make the most of your money without doing a thing – the Sweep takes care of it for you! With Platinum Pro Sweep, you also get our interest-earning Premier Checking account free.
Close on your new purchase loan in just 29 days!* We know the housing market is competitive, so give your offer an edge and your seller the confidence of a timely closing. If we don’t close your loan in 29 calendar days, the seller will receive a $1000** credit on the Closing Disclosure. Click to learn more.
To support homeownership opportunities for creditworthy very low-income borrowers (VLIP), Freddie Mac and Fannie Mae have enhanced their Home Possible and HomeReady loan programs to include a $2,500 credit to be used for down payment and/or closing costs.
Contact your mortgage loan officer for additional details and to see if you qualify at 800.285.3111.
Click here to learn more.
Did you know that you could be taking advantage of discounts, rebates, and special offers to help you save on all of the things you need most for your home? Independent Bank is a participating lender in Enact’s Homebuyer Privileges,®️ so when you purchase or refinance a home with Independent, you have access to several additional discounts and benefits.
Once your home purchase or refinance is complete, your loan officer will provide you with a lender participation code and homebuyer ID number. This will give you access to additional benefits valued up to $8,500, including rebates and discounts on major appliances, truck rentals and moving supplies, discounts from national merchants, and much more. Participating retailers include: ADT Security,®️ Budget Rental Cars,®️ Costco,®️ Enterprise Rental Car,®️ Norton Security,TM Office Depot,®️ Sam’s Club,®️ Turbo Tax,®️ and many more!
Ready to get started? It’s easy!
Simply follow the steps below:
1. Log on the Homebuyer Privileges website
2. Click on “new member login”
3. Enter the Independent Bank registration codes provided by your loan officer
4. Follow the instructions to complete your registration
Start Saving with Homebuyer Privileges®️
EARN $3,000 towards Your
Down Payment & Closing Costs!
The Freddie Mac BorrowSmart AccessSM Assistance program provides assistance of $3,000 for income-qualified borrowers to be used towards the down payment and closing costs required to finance their first home.
Looking to make energy-efficient improvements to your home? Now you can finance the cost of green upgrades with our GreenCHOICE mortgage.
Enjoy these Benefits:
If you have questions regarding your account balance, payoff information, tax or insurance questions, or general information regarding your billing cycle, please contact one of our loan servicing specialists at 800.355.0641 and select option 4, then option 5.
If you need to speak with a specialist regarding a past due account, please call 844.279.2748 to speak with a counselor who is trained to assist you.
Click here for more information on assistance options.
Pursuant to Section 12 CFR 1024.35 (Error Resolution) and Section 12 CFR 1024.36 (Request for Information) of the Real Estate Settlement Procedures Act (RESPA), consumers must use the following mailing address or email address to assert an error (Notice of Error) or request information (Request For Information) on a loan.
Loan Servicing
230 W. Main St.
Ionia, MI 48846
Independent Bank will acknowledge your Notice of Error or Complaint within five (5) days.