🛡️
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 Company Lenders in Grand Rapids
Updated February 5, 2026
Market Overview
35
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 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,490 | +0.327% | 996 | |
2 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,851 | +0.377% | 912 | |
3 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $2,717 | +0.386% | 184 | |
4 | MMS MORTGAGE SERVICES, LTD. | Strong | Strong | Sound | Strong | Strong | $2,247 | +0.111% | 85 | |
5 | MORTGAGE CENTER L.C | Strong | Strong | Strong | Strong | Sound | $975 | +0.008% | 47 | |
6 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $2,921 | +0.273% | 54 | |
7 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $1,639 | +0.104% | 39 | |
8 | RUOFF MORTGAGE COMPANY, INC. | Strong | Sound | Exceptional | Strong | Sound | $1,880 | +0.289% | 34 | |
9 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $1,636 | +0.094% | 30 | |
10 | MORTGAGE 1 INCORPORATED | Strong | Acceptable | Exceptional | Strong | Strong | $2,711 | +0.438% | 356 | |
11 | NORTHERN MORTGAGE SERVICES, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $4,046 | +0.370% | 338 | |
12 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,092 | +0.541% | 242 | |
13 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,118 | +0.522% | 224 | |
14 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,005 | +0.786% | 166 | |
15 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $1,685 | -0.203% | 49 | |
16 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,484 | +0.481% | 100 | |
17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $2,608 | +0.435% | 97 | |
18 | GreenStone Farm Credit Services, FLCA | Strong | Acceptable | Strong | Strong | Strong | $1,995 | +0.475% | 80 | |
19 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,868 | +0.395% | 71 | |
20 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,830 | +0.188% | 60 | |
21 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Sound | $3,151 | +0.268% | 53 | |
22 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,186 | +0.519% | 36 | |
23 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,841 | +0.393% | 27 | |
24 | CHURCHILL MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $4,259 | +0.426% | 308 | |
25 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $4,463 | +0.649% | 107 | |
26 | VAN DYK MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Strong | $2,821 | +0.406% | 103 | |
27 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,348 | +0.536% | 74 | |
28 | MICHIGAN MUTUAL, INC. | Strong | Acceptable | Strong | Strong | Sound | $2,940 | +0.520% | 45 | |
29 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,942 | +0.904% | 28 | |
30 | Mortgage Research Center, LLC | Sound | Acceptable | Strong | Sound | Sound | $1,464 | +0.623% | 96 | |
31 | SUCCESS MORTGAGE PARTNERS, INC. | Sound | Mediocre | Strong | Sound | Strong | $4,882 | +0.663% | 175 | |
32 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Strong | Acceptable | Sound | $5,323 | +0.370% | 43 | |
33 | PFN Lending Group, Inc. | Sound | Acceptable | Sound | Sound | Sound | $2,370 | +0.819% | 42 | |
34 | PRESTON HOME LOANS INC | Sound | Mediocre | Strong | Strong | Sound | $3,092 | +0.670% | 27 | |
35 | TOP FLITE FINANCIAL, INC. | Sound | Acceptable | Sound | Acceptable | 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 RapidsConventional
No credit impact
3-minute process
100% free