Safe Rate Rankings

Best Conventional Mortgage Company 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 Lenders35

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	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,490Fees	0.327%Above	996
2	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,851Fees	0.377%Above	912
3	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,717Fees	0.386%Above	184
4	MMS MORTGAGE SERVICES, LTD.Independent Mortgage Company	Strong	Strong	Sound	Strong	Strong	$2,247Fees	0.111%Above	85
5	MORTGAGE CENTER L.CIndependent Mortgage Company	Strong	Strong	Strong	Strong	Sound	$975Fees	0.008%Above	47
6	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,921Fees	0.273%Above	54
7	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$1,639Fees	0.104%Above	39
8	RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$1,880Fees	0.289%Above	34
9	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$1,636Fees	0.094%Above	30
10	MORTGAGE 1 INCORPORATEDIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,711Fees	0.438%Above	356
11	NORTHERN MORTGAGE SERVICES, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Exceptional	$4,046Fees	0.370%Above	338
12	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,092Fees	0.541%Above	242
13	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,118Fees	0.522%Above	224
14	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,005Fees	0.786%Above	166
15	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$1,685Fees	0.203%Below	49
16	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,484Fees	0.481%Above	100
17	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,608Fees	0.435%Above	97
18	GreenStone Farm Credit Services, FLCAIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$1,995Fees	0.475%Above	80
19	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,868Fees	0.395%Above	71
20	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,830Fees	0.188%Above	60
21	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$3,151Fees	0.268%Above	53
22	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,186Fees	0.519%Above	36
23	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,841Fees	0.393%Above	27
24	CHURCHILL MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$4,259Fees	0.426%Above	308
25	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$4,463Fees	0.649%Above	107
26	VAN DYK MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$2,821Fees	0.406%Above	103
27	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,348Fees	0.536%Above	74
28	MICHIGAN MUTUAL, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$2,940Fees	0.520%Above	45
29	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,942Fees	0.904%Above	28
30	Mortgage Research Center, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$1,464Fees	0.623%Above	96
31	SUCCESS MORTGAGE PARTNERS, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Sound	Strong	$4,882Fees	0.663%Above	175
32	CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Acceptable	Sound	$5,323Fees	0.370%Above	43
33	PFN Lending Group, Inc.Independent Mortgage Company	Sound	Acceptable	Sound	Sound	Sound	$2,370Fees	0.819%Above	42
34	PRESTON HOME LOANS INCIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	Sound	$3,092Fees	0.670%Above	27
35	TOP FLITE FINANCIAL, INC.Independent Mortgage Company	Sound	Acceptable	Sound	Acceptable	Sound	$2,401Fees	0.673%Above	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)

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.