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All Mortgage Loan Officers
Joe Spada

Joe Spada

VP, Area Sales Manager | Bay City - Washington Ave. | 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.

Phone Number

Office: 989.891.4053
Fax: 989.891.4114
Cell: 989.450.5196


623 Washington Ave. Bay City, MI 48708




Clara M.

August 23, 2019

"Joe Spada's customer service attitude is second to none! He went out of his way to promptly respond to all my questions regardless of the time of the day and day of week. Joe kept me informed throughout the process and the on-line videos provided helped me understand the process and status of my loan activities."

Tracy P.

December 31, 2018

"We’ve already told friends and family about Joe/Independent Bank and would not use anyone else in the future! Thank you, Joe!!"

Jeffery R.

June 4, 2018

"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.”

Heather G.

June 4, 2018

"He was knowledgeable and got things done in a timely manner. I will refer him and Independent Bank in the future. Thank you!”



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Identity Theft Affidavit

A voluntary form for filing a report with law enforcement, and disputes with credit reporting agencies and creditors about identity theft-related problems. Visit identitytheft.gov to use a secure online version that you can print for your records.

All Resources