🛡️
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 Lenders in Kalamazoo
Updated February 5, 2026
Market Overview
46
Total Lenders
2,605
Total Loans
0.31%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | LAKE MICHIGAN CREDIT UNION | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $1,140 | -0.044% | 313 | |
2 | CONSUMERS CREDIT UNION | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,424 | +0.259% | 413 | |
3 | Old National Bank | Exceptional | Exceptional | Exceptional | Strong | Sound | $1,030 | +0.150% | 16 | |
4 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $432 | +0.338% | 60 | |
5 | KELLOGG COMMUNITY CREDIT UNION | Exceptional | Strong | Strong | Exceptional | Strong | $952 | +0.079% | 33 | |
6 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $521 | -0.501% | 17 | |
7 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $546 | +0.226% | 78 | |
8 | MORTGAGE CENTER L.C | Exceptional | Strong | Strong | Strong | Strong | $1,405 | +0.262% | 62 | |
9 | Mercantile Bank | Exceptional | Strong | Strong | Strong | Strong | $988 | +0.291% | 54 | |
10 | Honor Credit Union | Exceptional | Strong | Strong | Strong | Strong | $1,189 | +0.177% | 50 | |
11 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Sound | -$451 | +0.118% | 36 | |
12 | OAK MORTGAGE, LLC | Exceptional | Strong | Strong | Strong | Strong | $1,309 | +0.071% | 31 | |
13 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,491 | +0.382% | 263 | |
14 | ARBOR FINANCIAL CREDIT UNION | Strong | Sound | Strong | Strong | Exceptional | $1,527 | +0.250% | 166 | |
15 | Independent Bank | Strong | Strong | Strong | Strong | Sound | $1,443 | +0.016% | 22 | |
16 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,161 | +0.245% | 170 | |
17 | Horizon Bank | Strong | Sound | Strong | Strong | Strong | $2,288 | +0.252% | 39 | |
18 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $2,143 | +0.270% | 35 | |
19 | RUOFF MORTGAGE COMPANY, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,836 | +0.388% | 29 | |
20 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,313 | +0.479% | 19 | |
21 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Sound | $819 | +0.346% | 18 | |
22 | GVC MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,367 | +0.583% | 64 | |
23 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $1,560 | +0.676% | 62 | |
24 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $2,942 | +0.857% | 56 | |
25 | KALSEE CREDIT UNION | Strong | Strong | Acceptable | Strong | Sound | $817 | +0.410% | 18 | |
26 | CONTOUR MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $3,892 | +0.433% | 35 | |
27 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,866 | +0.290% | 29 | |
28 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $3,358 | +0.615% | 27 | |
29 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,167 | +0.809% | 22 | |
30 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,015 | +0.453% | 16 | |
31 | MORTGAGE 1 INCORPORATED | Strong | Acceptable | Exceptional | Strong | Sound | $2,878 | +0.480% | 14 | |
32 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,619 | +0.283% | 12 | |
33 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Acceptable | $2,719 | +0.121% | 11 | |
34 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,463 | +0.550% | 16 | |
35 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,144 | +0.426% | 15 | |
36 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $2,061 | -0.071% | 12 | |
37 | MICHIGAN MUTUAL, INC. | Strong | Acceptable | Strong | Strong | Sound | $3,370 | +0.369% | 11 | |
38 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Acceptable | $1,586 | +0.239% | 11 | |
39 | SUMMIT HOME MORTGAGE, LLC | Sound | Acceptable | Sound | Sound | Strong | $2,644 | +0.423% | 41 | |
40 | CHURCHILL MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $3,229 | +0.281% | 12 | |
41 | SUCCESS MORTGAGE PARTNERS, INC. | Sound | Mediocre | Strong | Sound | Strong | $5,098 | +0.677% | 98 | |
42 | OMNI COMMUNITY CREDIT UNION | Sound | Acceptable | Sound | Sound | Sound | $1,544 | +0.410% | 13 | |
43 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Acceptable | $4,167 | +0.431% | 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)
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
KalamazooConventional
No credit impact
3-minute process
100% free