Safe Rate Rankings

Best FHA 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	Strong	Strong	Strong	Exceptional	$1,140Fees	0.044%Below	313
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,161Fees	0.245%Above	170
3	Fifth Third Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$546Fees	0.226%Above	78
4	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$819Fees	0.346%Above	18
5	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$497Fees	0.739%Above	15
6	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,491Fees	0.382%Above	263
7	Flagstar Bank, N.A.Bank	Strong	Sound	Exceptional	Strong	Strong	$1,560Fees	0.676%Above	62
8	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,942Fees	0.857%Above	56
9	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,313Fees	0.479%Above	19
10	MICHIGAN MUTUAL, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,370Fees	0.369%Above	11
11	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,167Fees	0.809%Above	22
12	GVC MORTGAGE, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Strong	$3,367Fees	0.583%Above	64
13	RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,836Fees	0.388%Above	29
14	SUCCESS MORTGAGE PARTNERS, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$5,098Fees	0.677%Above	98
15	CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,763Fees	0.228%Below	13
16	CONTOUR MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$3,892Fees	0.433%Above	35
17	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$4,015Fees	0.453%Above	16
18	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Sound	$3,144Fees	0.426%Above	15

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.