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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 over 20 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

Address

623 Washington Ave. Bay City, MI 48708

Email

JSpada@ibcp.com

Testimonials

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.”

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!!"

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!”

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."

Jason L.

March 28, 2024

"This was a great experience for me, up to and including the closing processing. I would highly recommend Independent Bank for any friends or family banking needs."

Mary M.

September 4, 2020

"This was my second loan with Independent and it was just as perfect as the first. Joe is awesome to work with and makes everything seem so easy. If I need another loan I will be back!"

Joel L.

January 6, 2021

"Joe Spada has been wonderful to work with. He is friendly and professional and worked tirelessly on our loan. Many times during the process he would text me after hours and on weekends. I always felt that he had our best interest in mind. I would definitely refer Joe to a friend."

Kelly D.

December 15, 2021

"The process was so smooth. I appreciate everyone's efforts in helping me purchase my new home."

Patrick S.

January 23, 2023

"The whole process was extremely clear and straightforward. All my questions were answered the same day, and most were answered within an hour or two of emailing them."

Debra N.

February 19, 2023

"We closed in two weeks! Joe was so easy to work with. Highly recommend Independent Bank!"

Marlowe A.

July 21, 2023

"Everyone involved did an outstanding job! Having just moved in from out of state, and being a first-time homebuyer, it would be hard to do better than this team. Everyone was quick, accurate, friendly, and professional. I am still pleasantly surprised at how much stress was reduced by having such wonderful people to work with. Thank you!"

Caibry O.

August 25, 2023

"My whole experience getting a mortgage from Independent Bank was exceptional. Everything was extremely smooth, fast, and efficient. Along with the fact that I was informed/explained to what the process was with every step. I would 10 out of 10 recommend going through Independent for any banking/financial services. I do have to give credit to all of these compliments above to Joe Spada. I do not believe it would be possible for anyone to be better at their job than him, not only that but an all-around good person. I will definitely be coming back in the future."

Resources

Mortgage Do's & Don'ts

We know that the mortgage process can seem overwhelming, but at Independent Bank, it’s our goal to make this process as seamless as possible.

ACH Autopay Form

Automatic Transfer Request For Loans

Checkbook Register Worksheet

Download Checkbook Register Worksheet

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