Safe Rate Rankings

Best Conventional Mortgage Lenders in Kalamazoo

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 Lenders46

Total Loans2,605

Median Rate Spread0.31%

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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	$1,140Fees	0.044%Below	313
2	CONSUMERS CREDIT UNIONCredit Union	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,424Fees	0.259%Above	413
3	Old National BankBank	Exceptional	Exceptional	Exceptional	Strong	Sound	$1,030Fees	0.150%Above	16
4	The Huntington National BankBank	Exceptional	Strong	Exceptional	Strong	Strong	$432Fees	0.338%Above	60
5	KELLOGG COMMUNITY CREDIT UNIONCredit Union	Exceptional	Strong	Strong	Exceptional	Strong	$952Fees	0.079%Above	33
6	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$521Fees	0.501%Below	17
7	Fifth Third Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$546Fees	0.226%Above	78
8	MORTGAGE CENTER L.CIndependent Mortgage Company	Exceptional	Strong	Strong	Strong	Strong	$1,405Fees	0.262%Above	62
9	Mercantile BankBank	Exceptional	Strong	Strong	Strong	Strong	$988Fees	0.291%Above	54
10	Honor Credit UnionCredit Union	Exceptional	Strong	Strong	Strong	Strong	$1,189Fees	0.177%Above	50
11	PNC Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$451Credit	0.118%Above	36
12	OAK MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Strong	Strong	Strong	$1,309Fees	0.071%Above	31
13	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,491Fees	0.382%Above	263
14	ARBOR FINANCIAL CREDIT UNIONCredit Union	Strong	Sound	Strong	Strong	Exceptional	$1,527Fees	0.250%Above	166
15	Independent BankBank	Strong	Strong	Strong	Strong	Sound	$1,443Fees	0.016%Above	22
16	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,161Fees	0.245%Above	170
17	Horizon BankBank	Strong	Sound	Strong	Strong	Strong	$2,288Fees	0.252%Above	39
18	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,143Fees	0.270%Above	35
19	RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,836Fees	0.388%Above	29
20	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,313Fees	0.479%Above	19
21	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$819Fees	0.346%Above	18
22	GVC MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,367Fees	0.583%Above	64
23	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Strong	$1,560Fees	0.676%Above	62
24	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,942Fees	0.857%Above	56
25	KALSEE CREDIT UNIONCredit Union	Strong	Strong	Acceptable	Strong	Sound	$817Fees	0.410%Above	18
26	CONTOUR MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,892Fees	0.433%Above	35
27	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,866Fees	0.290%Above	29
28	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,358Fees	0.615%Above	27
29	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,167Fees	0.809%Above	22
30	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,015Fees	0.453%Above	16
31	MORTGAGE 1 INCORPORATEDIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,878Fees	0.480%Above	14
32	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,619Fees	0.283%Above	12
33	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Acceptable	$2,719Fees	0.121%Above	11
34	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,463Fees	0.550%Above	16
35	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,144Fees	0.426%Above	15
36	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Sound	$2,061Fees	0.071%Below	12
37	MICHIGAN MUTUAL, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$3,370Fees	0.369%Above	11
38	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Acceptable	$1,586Fees	0.239%Above	11
39	SUMMIT HOME MORTGAGE, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	Strong	$2,644Fees	0.423%Above	41
40	CHURCHILL MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$3,229Fees	0.281%Above	12
41	SUCCESS MORTGAGE PARTNERS, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Sound	Strong	$5,098Fees	0.677%Above	98
42	OMNI COMMUNITY CREDIT UNIONCredit Union	Sound	Acceptable	Sound	Sound	Sound	$1,544Fees	0.410%Above	13
43	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Acceptable	$4,167Fees	0.431%Above	11

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.