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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Grand Rapids
Updated February 5, 2026
Market Overview
102
Total Lenders
12,704
Total Loans
0.34%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | LAKE MICHIGAN CREDIT UNION | Exceptional | Exceptional | Exceptional | Exceptional | $1,061 | -0.077% | 2,736 | |
2 | Old National Bank | Exceptional | Exceptional | Strong | Strong | $449 | -0.098% | 304 | |
3 | Mercantile Bank | Exceptional | Strong | Strong | Exceptional | $741 | +0.197% | 547 | |
4 | CONSUMERS CREDIT UNION | Exceptional | Strong | Strong | Exceptional | $1,227 | +0.268% | 347 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,490 | +0.327% | 996 | |
6 | Fifth Third Bank, National Association | Strong | Strong | Strong | Strong | $739 | +0.201% | 444 | |
7 | The Huntington National Bank | Strong | Strong | Strong | Strong | $215 | +0.355% | 377 | |
8 | Independent Bank | Strong | Strong | Strong | Strong | $1,061 | +0.211% | 316 | |
9 | The Dart Bank | Strong | Strong | Strong | Strong | $2,028 | +0.183% | 242 | |
10 | MICHIGAN FIRST CREDIT UNION | Strong | Strong | Strong | Strong | $1,507 | +0.177% | 120 | |
11 | MMS MORTGAGE SERVICES, LTD. | Strong | Strong | Strong | Strong | $2,247 | +0.111% | 85 | |
12 | UNITED FEDERAL CREDIT UNION | Strong | Strong | Strong | Strong | $1,460 | +0.145% | 74 | |
13 | MICHIGAN STATE UNIVERSITY Federal Credit Union | Strong | Strong | Strong | Strong | $1,021 | +0.343% | 68 | |
14 | NAVY FEDERAL CREDIT UNION | Strong | Exceptional | Sound | Sound | $705 | -0.452% | 36 | |
15 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $2,717 | +0.386% | 184 | |
16 | PFCU | Strong | Strong | Sound | Strong | $1,141 | -0.055% | 55 | |
17 | MORTGAGE CENTER L.C | Strong | Strong | Strong | Sound | $975 | +0.008% | 47 | |
18 | PNC Bank, National Association | Strong | Strong | Strong | Sound | -$24 | +0.012% | 44 | |
19 | Bank of America, National Association | Strong | Strong | Strong | Sound | $1,609 | +0.052% | 33 | |
20 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,851 | +0.377% | 912 | |
21 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,166 | +0.255% | 201 | |
22 | Northpointe Bank | Strong | Sound | Strong | Strong | $2,709 | +0.274% | 161 | |
23 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,393 | +0.094% | 39 | |
24 | MORTGAGE 1 INCORPORATED | Strong | Acceptable | Exceptional | Strong | $2,711 | +0.438% | 356 | |
25 | NORTHERN MORTGAGE SERVICES, LLC | Strong | Acceptable | Strong | Exceptional | $4,046 | +0.370% | 338 | |
26 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,092 | +0.541% | 242 | |
27 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,118 | +0.522% | 224 | |
28 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $3,005 | +0.786% | 166 | |
29 | ChoiceOne Bank | Strong | Sound | Sound | Strong | $906 | +0.076% | 114 | |
30 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Sound | $1,830 | +0.188% | 60 | |
31 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Sound | $2,921 | +0.273% | 54 | |
32 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $3,151 | +0.268% | 53 | |
33 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $1,685 | -0.203% | 49 | |
34 | Horizon Bank | Strong | Sound | Strong | Sound | $1,431 | +0.313% | 36 | |
35 | RUOFF MORTGAGE COMPANY, INC. | Strong | Sound | Strong | Sound | $1,880 | +0.289% | 34 | |
36 | ARBOR FINANCIAL CREDIT UNION | Strong | Sound | Strong | Sound | $1,400 | +0.307% | 29 | |
37 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $1,986 | +0.521% | 190 | |
38 | VAN DYK MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $2,821 | +0.406% | 103 | |
39 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | $2,608 | +0.435% | 97 | |
40 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $1,639 | +0.104% | 39 | |
41 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Sound | $3,186 | +0.519% | 36 | |
42 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $2,307 | -0.260% | 29 | |
43 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $2,484 | +0.481% | 100 | |
44 | Mortgage Research Center, LLC | Sound | Acceptable | Strong | Sound | $1,464 | +0.623% | 96 | |
45 | GreenStone Farm Credit Services, FLCA | Sound | Acceptable | Sound | Strong | $1,995 | +0.475% | 80 | |
46 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $3,868 | +0.395% | 71 | |
47 | MICHIGAN MUTUAL, INC. | Sound | Acceptable | Strong | Sound | $2,940 | +0.520% | 45 | |
48 | Barrington Bank & Trust Company, National Association | Sound | Acceptable | Strong | Sound | $1,689 | +0.224% | 40 | |
49 | PLAZA HOME MORTGAGE, INC. | Sound | Acceptable | Strong | Sound | $1,636 | +0.094% | 30 | |
50 | Plains Commerce Bank | Sound | Acceptable | Strong | Sound | $2,608 | +0.367% | 29 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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