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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 Bank Mortgage Lenders in Grand Rapids
Updated February 5, 2026
Market Overview
17
Total Lenders
3,260
Total Loans
0.22%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Old National Bank | Exceptional | Exceptional | Strong | Strong | $449 | -0.098% | 304 | |
2 | Mercantile Bank | Exceptional | Strong | Strong | Exceptional | $741 | +0.197% | 547 | |
3 | Fifth Third Bank, National Association | Strong | Strong | Strong | Strong | $739 | +0.201% | 444 | |
4 | The Huntington National Bank | Strong | Strong | Strong | Strong | $215 | +0.355% | 377 | |
5 | Independent Bank | Strong | Strong | Strong | Strong | $1,061 | +0.211% | 316 | |
6 | The Dart Bank | Strong | Strong | Strong | Strong | $2,028 | +0.183% | 242 | |
7 | PNC Bank, National Association | Strong | Strong | Strong | Sound | -$24 | +0.012% | 44 | |
8 | Bank of America, National Association | Strong | Strong | Strong | Sound | $1,609 | +0.052% | 33 | |
9 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,166 | +0.255% | 201 | |
10 | Northpointe Bank | Strong | Sound | Strong | Strong | $2,709 | +0.274% | 161 | |
11 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,393 | +0.094% | 39 | |
12 | ChoiceOne Bank | Strong | Sound | Sound | Strong | $906 | +0.076% | 114 | |
13 | Horizon Bank | Strong | Sound | Strong | Sound | $1,431 | +0.313% | 36 | |
14 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $1,986 | +0.521% | 190 | |
15 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $2,307 | -0.260% | 29 | |
16 | Barrington Bank & Trust Company, National Association | Sound | Acceptable | Strong | Sound | $1,689 | +0.224% | 40 | |
17 | 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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