You cannot leave northern Michigan out of this sort of grouping. Off the top of my head: Forest Dunes/The Loop, Black Forest, Arcadia, Treetops, Cedar River at Shanty Creek, True North, Belvedere and many more. These may not be Bandon or Monterey quality but they are very nice and far more affordable for the most part.
Sorry, Tommy beat me to it. All of these are resort or public courses except Belvedere which as we know is easy to access.