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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 Conventional 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	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	LAKE MICHIGAN CREDIT UNION	Exceptional	Exceptional	Exceptional	Exceptional	Exceptional	$1,061	-0.077%	2,736
2	Old National Bank	Exceptional	Exceptional	Exceptional	Strong	Strong	$449	-0.098%	304
3	CONSUMERS CREDIT UNION	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,227	+0.268%	347
4	Mercantile Bank	Exceptional	Strong	Strong	Strong	Exceptional	$741	+0.197%	547
5	The Huntington National Bank	Exceptional	Strong	Exceptional	Strong	Strong	$215	+0.355%	377
6	The Dart Bank	Exceptional	Strong	Exceptional	Strong	Strong	$2,028	+0.183%	242
7	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Sound	$705	-0.452%	36
8	Fifth Third Bank, National Association	Exceptional	Strong	Exceptional	Sound	Strong	$739	+0.201%	444
9	Independent Bank	Exceptional	Strong	Strong	Strong	Strong	$1,061	+0.211%	316
10	MICHIGAN FIRST CREDIT UNION	Exceptional	Strong	Strong	Strong	Strong	$1,507	+0.177%	120
11	UNITED FEDERAL CREDIT UNION	Exceptional	Strong	Strong	Strong	Strong	$1,460	+0.145%	74
12	MICHIGAN STATE UNIVERSITY Federal Credit Union	Exceptional	Strong	Strong	Strong	Strong	$1,021	+0.343%	68
13	PNC Bank, National Association	Exceptional	Strong	Exceptional	Strong	Sound	-$24	+0.012%	44
14	Bank of America, National Association	Exceptional	Strong	Exceptional	Strong	Sound	$1,609	+0.052%	33
15	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,490	+0.327%	996
16	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,851	+0.377%	912
17	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Strong	$2,166	+0.255%	201
18	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Strong	Strong	$2,717	+0.386%	184
19	Northpointe Bank	Strong	Sound	Exceptional	Strong	Strong	$2,709	+0.274%	161
20	ChoiceOne Bank	Strong	Strong	Strong	Sound	Strong	$906	+0.076%	114
21	MMS MORTGAGE SERVICES, LTD.	Strong	Strong	Sound	Strong	Strong	$2,247	+0.111%	85
22	MORTGAGE CENTER L.C	Strong	Strong	Strong	Strong	Sound	$975	+0.008%	47
23	Wells Fargo Bank, National Association	Strong	Strong	Exceptional	Sound	Sound	$2,393	+0.094%	39
24	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Sound	$2,921	+0.273%	54
25	Barrington Bank & Trust Company, National Association	Strong	Sound	Exceptional	Strong	Sound	$1,689	+0.224%	40
26	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Sound	$1,639	+0.104%	39
27	RUOFF MORTGAGE COMPANY, INC.	Strong	Sound	Exceptional	Strong	Sound	$1,880	+0.289%	34
28	PLAZA HOME MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Sound	$1,636	+0.094%	30
29	MORTGAGE 1 INCORPORATED	Strong	Acceptable	Exceptional	Strong	Strong	$2,711	+0.438%	356
30	NORTHERN MORTGAGE SERVICES, LLC	Strong	Acceptable	Strong	Strong	Exceptional	$4,046	+0.370%	338
31	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,092	+0.541%	242
32	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,118	+0.522%	224
33	Flagstar Bank, N.A.	Strong	Acceptable	Exceptional	Strong	Strong	$1,986	+0.521%	190
34	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Strong	$3,005	+0.786%	166
35	PFCU	Strong	Strong	Acceptable	Sound	Strong	$1,141	-0.055%	55
36	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Sound	$1,685	-0.203%	49
37	Horizon Bank	Strong	Sound	Strong	Strong	Sound	$1,431	+0.313%	36
38	ARBOR FINANCIAL CREDIT UNION	Strong	Sound	Strong	Strong	Sound	$1,400	+0.307%	29
39	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,484	+0.481%	100
40	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$2,608	+0.435%	97
41	GreenStone Farm Credit Services, FLCA	Strong	Acceptable	Strong	Strong	Strong	$1,995	+0.475%	80
42	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,868	+0.395%	71
43	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$1,830	+0.188%	60
44	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Sound	$3,151	+0.268%	53
45	T2 FINANCIAL LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,186	+0.519%	36
46	Plains Commerce Bank	Strong	Acceptable	Exceptional	Strong	Sound	$2,608	+0.367%	29
47	THE LOAN STORE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$1,841	+0.393%	27
48	VAN DYK MORTGAGE CORPORATION	Strong	Acceptable	Strong	Sound	Strong	$2,821	+0.406%	103
49	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Sound	$2,348	+0.536%	74
50	MICHIGAN MUTUAL, INC.	Strong	Acceptable	Strong	Strong	Sound	$2,940	+0.520%	45

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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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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