Safe Rate Rankings

Best Mortgage Company 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 Lenders14

Total Loans1,168

Median Rate Spread0.38%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	MORTGAGE CENTER L.CIndependent Mortgage Company	Strong	Strong	Strong	Strong	$1,405Fees	0.262%Above	62
2	OAK MORTGAGE, LLCIndependent Mortgage Company	Strong	Strong	Strong	Strong	$1,309Fees	0.071%Above	31
3	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,161Fees	0.245%Above	170
4	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,491Fees	0.382%Above	263
5	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,942Fees	0.857%Above	56
6	RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company	Strong	Sound	Strong	Sound	$2,836Fees	0.388%Above	29
7	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Sound	$1,866Fees	0.290%Above	29
8	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,358Fees	0.615%Above	27
9	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,167Fees	0.809%Above	22
10	GVC MORTGAGE, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$3,367Fees	0.583%Above	64
11	Mortgage Research Center, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,793Fees	0.236%Below	47
12	CONTOUR MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,892Fees	0.433%Above	35
13	SUCCESS MORTGAGE PARTNERS, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	$5,098Fees	0.677%Above	98
14	SUMMIT HOME MORTGAGE, LLCIndependent Mortgage Company	Sound	Acceptable	Acceptable	Strong	$2,644Fees	0.423%Above	41

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 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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.