# Best Mortgage Lenders in Grand Rapids

**As of:** 2026-05-27

Compare the top mortgage lenders in Grand Rapids. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/grand-rapids/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 102
- **Total Loans:** 12,704
- **Median Rate Spread:** 0.33896039603960393%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | LAKE MICHIGAN CREDIT UNION | 100 | 82 | 82 | 2,736 | Credit Union |
| 2 | Mercantile Bank | 86 | 71 | 70 | 547 | Bank |
| 3 | CONSUMERS CREDIT UNION | 86 | 63 | 73 | 347 | Credit Union |
| 4 | Old National Bank | 86 | 84 | 70 | 304 | Bank |
| 5 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 996 | Independent Mortgage Company |
| 6 | Fifth Third Bank, National Association | 80 | 62 | 62 | 444 | Bank |
| 7 | The Huntington National Bank | 80 | 61 | 75 | 377 | Bank |
| 8 | Independent Bank | 80 | 68 | 70 | 316 | Bank |
| 9 | The Dart Bank | 80 | 63 | 77 | 242 | Bank |
| 10 | MICHIGAN FIRST CREDIT UNION | 80 | 64 | 72 | 120 | Credit Union |
| 11 | MMS MORTGAGE SERVICES, LTD. | 80 | 67 | 61 | 85 | Independent Mortgage Company |
| 12 | UNITED FEDERAL CREDIT UNION | 80 | 65 | 74 | 74 | Credit Union |
| 13 | MICHIGAN STATE UNIVERSITY Federal Credit Union | 80 | 70 | 65 | 68 | Credit Union |
| 14 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 78 | 46 | 83 | 184 | Independent Mortgage Company |
| 15 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 912 | Independent Mortgage Company |
| 16 | JPMorgan Chase Bank, National Association | 73 | 49 | 70 | 201 | Bank |
| 17 | Northpointe Bank | 73 | 47 | 62 | 161 | Bank |
| 18 | PFCU | 73 | 75 | 58 | 55 | Credit Union |
| 19 | MORTGAGE CENTER L.C | 73 | 67 | 66 | 47 | Independent Mortgage Company |
| 20 | PNC Bank, National Association | 73 | 71 | 61 | 44 | Bank |
| 21 | Bank of America, National Association | 73 | 73 | 75 | 33 | Bank |
| 22 | NAVY FEDERAL CREDIT UNION | 71 | 93 | 60 | 36 | Credit Union |
| 23 | NORTHERN MORTGAGE SERVICES, LLC | 68 | 24 | 76 | 338 | Independent Mortgage Company |
| 24 | MORTGAGE 1 INCORPORATED | 68 | 25 | 83 | 356 | Independent Mortgage Company |
| 25 | GUILD MORTGAGE COMPANY LLC | 68 | 25 | 83 | 242 | Independent Mortgage Company |
| 26 | FIRST COMMUNITY MORTGAGE, INC. | 68 | 31 | 89 | 224 | Independent Mortgage Company |
| 27 | UNION HOME MORTGAGE CORP. | 68 | 22 | 83 | 166 | Independent Mortgage Company |
| 28 | GUARANTEED RATE, INC. | 66 | 41 | 69 | 60 | Independent Mortgage Company |
| 29 | LOANDEPOT.COM, LLC | 66 | 48 | 76 | 54 | Independent Mortgage Company |
| 30 | FREEDOM MORTGAGE CORPORATION | 66 | 55 | 67 | 53 | Independent Mortgage Company |
| 31 | PENNYMAC LOAN SERVICES, LLC | 66 | 56 | 63 | 49 | Independent Mortgage Company |
| 32 | Wells Fargo Bank, National Association | 66 | 63 | 59 | 39 | Bank |
| 33 | Horizon Bank | 66 | 44 | 63 | 36 | Bank |
| 34 | RUOFF MORTGAGE COMPANY, INC. | 66 | 43 | 75 | 34 | Independent Mortgage Company |
| 35 | ARBOR FINANCIAL CREDIT UNION | 66 | 57 | 79 | 29 | Credit Union |
| 36 | ChoiceOne Bank | 66 | 59 | 58 | 114 | Bank |
| 37 | Flagstar Bank, N.A. | 63 | 40 | 76 | 190 | Bank |
| 38 | VAN DYK MORTGAGE CORPORATION | 63 | 27 | 67 | 103 | Independent Mortgage Company |
| 39 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 62 | 24 | 85 | 97 | Independent Mortgage Company |
| 40 | T2 FINANCIAL LLC | 62 | 26 | 86 | 36 | Independent Mortgage Company |
| 41 | MUTUAL OF OMAHA MORTGAGE, INC. | 60 | 57 | 57 | 39 | Independent Mortgage Company |
| 42 | USAA Federal Savings Bank | 60 | 54 | 45 | 29 | Bank |
| 43 | CROSSCOUNTRY MORTGAGE, LLC | 58 | 20 | 76 | 100 | Independent Mortgage Company |
| 44 | Mortgage Research Center, LLC | 58 | 34 | 70 | 96 | Independent Mortgage Company |
| 45 | GreenStone Farm Credit Services, FLCA | 58 | 23 | 59 | 80 | Independent Mortgage Company |
| 46 | NATIONSTAR MORTGAGE LLC | 58 | 26 | 71 | 71 | Independent Mortgage Company |
| 47 | MICHIGAN MUTUAL, INC. | 58 | 32 | 73 | 45 | Independent Mortgage Company |
| 48 | Barrington Bank & Trust Company, National Association | 58 | 36 | 69 | 40 | Bank |
| 49 | PLAZA HOME MORTGAGE, INC. | 58 | 36 | 69 | 30 | Independent Mortgage Company |
| 50 | Plains Commerce Bank | 58 | 37 | 67 | 29 | Bank |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Grand Rapids.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.