🛡️
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 FHA 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 | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | LAKE MICHIGAN CREDIT UNION | Exceptional | Strong | Strong | Strong | Exceptional | $1,061 | -0.077% | 2,736 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,490 | +0.327% | 996 | |
3 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $215 | +0.355% | 377 | |
4 | Independent Bank | Exceptional | Exceptional | Strong | Sound | Strong | $1,061 | +0.211% | 316 | |
5 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,717 | +0.386% | 184 | |
6 | Mercantile Bank | Exceptional | Strong | Strong | Sound | Exceptional | $741 | +0.197% | 547 | |
7 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $739 | +0.201% | 444 | |
8 | The Dart Bank | Exceptional | Strong | Strong | Strong | Strong | $2,028 | +0.183% | 242 | |
9 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $3,151 | +0.268% | 53 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,851 | +0.377% | 912 | |
11 | NORTHERN MORTGAGE SERVICES, LLC | Strong | Sound | Strong | Strong | Exceptional | $4,046 | +0.370% | 338 | |
12 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $1,986 | +0.521% | 190 | |
13 | Northpointe Bank | Strong | Sound | Exceptional | Strong | Strong | $2,709 | +0.274% | 161 | |
14 | MMS MORTGAGE SERVICES, LTD. | Strong | Strong | Sound | Strong | Strong | $2,247 | +0.111% | 85 | |
15 | UNITED FEDERAL CREDIT UNION | Strong | Strong | Strong | Sound | Strong | $1,460 | +0.145% | 74 | |
16 | PENNYMAC LOAN SERVICES, LLC | Strong | Strong | Exceptional | Sound | Sound | $1,685 | -0.203% | 49 | |
17 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,118 | +0.522% | 224 | |
18 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,005 | +0.786% | 166 | |
19 | MICHIGAN FIRST CREDIT UNION | Strong | Sound | Strong | Strong | Strong | $1,507 | +0.177% | 120 | |
20 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $2,921 | +0.273% | 54 | |
21 | MICHIGAN MUTUAL, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,940 | +0.520% | 45 | |
22 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Sound | $2,608 | +0.367% | 29 | |
23 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,092 | +0.541% | 242 | |
24 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Strong | $2,166 | +0.255% | 201 | |
25 | VAN DYK MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,821 | +0.406% | 103 | |
26 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,608 | +0.435% | 97 | |
27 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Sound | $2,348 | +0.536% | 74 | |
28 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,186 | +0.519% | 36 | |
29 | Horizon Bank | Strong | Strong | Sound | Sound | Sound | $1,431 | +0.313% | 36 | |
30 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,463 | +0.649% | 107 | |
31 | PFN Lending Group, Inc. | Strong | Acceptable | Strong | Exceptional | Sound | $2,370 | +0.819% | 42 | |
32 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,636 | +0.094% | 30 | |
33 | MORTGAGE 1 INCORPORATED | Strong | Mediocre | Exceptional | Strong | Strong | $2,711 | +0.438% | 356 | |
34 | CHURCHILL MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $4,259 | +0.426% | 308 | |
35 | SUCCESS MORTGAGE PARTNERS, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,882 | +0.663% | 175 | |
36 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $5,323 | +0.370% | 43 | |
37 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Sound | $1,639 | +0.104% | 39 | |
38 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Mediocre | Exceptional | Strong | Sound | $2,484 | +0.481% | 100 | |
39 | NATIONSTAR MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | Sound | $3,868 | +0.395% | 71 | |
40 | PRESTON HOME LOANS INC | Sound | Mediocre | Exceptional | Strong | Sound | $3,092 | +0.670% | 27 | |
41 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $2,942 | +0.904% | 28 | |
42 | TOP FLITE FINANCIAL, INC. | Sound | Mediocre | Strong | Sound | Sound | $2,401 | +0.673% | 36 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
Grand RapidsFHA
No credit impact
3-minute process
100% free