Safe Rate Rankings

Best Conventional Mortgage Lenders in Grand Rapids

Updated February 5, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders102

Total Loans12,704

Median Rate Spread0.34%

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