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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 Mortgage Lenders in Lansing
Updated February 5, 2026
Market Overview
64
Total Lenders
4,804
Total Loans
0.45%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | LAKE MICHIGAN CREDIT UNION | Exceptional | Exceptional | Exceptional | Strong | $1,106 | -0.076% | 71 | |
2 | The Dart Bank | Exceptional | Strong | Strong | Exceptional | $1,526 | +0.151% | 628 | |
3 | MICHIGAN STATE UNIVERSITY Federal Credit Union | Exceptional | Strong | Strong | Exceptional | $1,161 | +0.262% | 412 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,298 | +0.416% | 372 | |
5 | Fifth Third Bank, National Association | Strong | Strong | Strong | Strong | $616 | +0.549% | 110 | |
6 | The Huntington National Bank | Strong | Strong | Strong | Strong | $293 | +0.350% | 103 | |
7 | MORTGAGE CENTER L.C | Strong | Strong | Strong | Strong | $1,128 | +0.258% | 87 | |
8 | Independent Bank | Strong | Strong | Strong | Strong | $1,207 | +0.230% | 44 | |
9 | FBC MORTGAGE, LLC | Strong | Strong | Exceptional | Sound | $2,330 | +0.544% | 31 | |
10 | NAVY FEDERAL CREDIT UNION | Strong | Exceptional | Sound | Sound | $52 | -0.315% | 20 | |
11 | CASE Credit Union | Strong | Strong | Sound | Strong | $851 | +0.391% | 45 | |
12 | Mercantile Bank | Strong | Strong | Strong | Sound | $822 | +0.188% | 35 | |
13 | CONSUMERS CREDIT UNION | Strong | Strong | Strong | Sound | $1,307 | +0.303% | 34 | |
14 | PNC Bank, National Association | Strong | Strong | Strong | Sound | -$278 | +0.360% | 33 | |
15 | PFCU | Strong | Strong | Sound | Strong | $1,134 | +0.088% | 29 | |
16 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,156 | +0.463% | 563 | |
17 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | $3,491 | +0.870% | 458 | |
18 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,018 | +0.288% | 81 | |
19 | Northpointe Bank | Strong | Sound | Strong | Strong | $2,383 | +0.363% | 57 | |
20 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Exceptional | $1,774 | +0.378% | 345 | |
21 | MORTGAGE 1 INCORPORATED | Strong | Acceptable | Exceptional | Strong | $2,657 | +0.585% | 51 | |
22 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $1,424 | +0.422% | 33 | |
23 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $2,662 | +0.604% | 32 | |
24 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Sound | $2,733 | +0.421% | 24 | |
25 | NexBank | Strong | Sound | Strong | Sound | $2,240 | +0.565% | 20 | |
26 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,898 | +0.881% | 98 | |
27 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,725 | +0.594% | 68 | |
28 | LAFCU Credit Union | Strong | Sound | Acceptable | Strong | $821 | +0.317% | 62 | |
29 | VAN DYK MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $806 | +0.414% | 51 | |
30 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $3,511 | +0.454% | 37 | |
31 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Sound | $4,428 | +0.641% | 25 | |
32 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Sound | $3,193 | +0.558% | 24 | |
33 | J. VIRGIL, INC. | Strong | Acceptable | Exceptional | Sound | $2,914 | +0.825% | 22 | |
34 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | $4,329 | +0.444% | 78 | |
35 | GreenStone Farm Credit Services, FLCA | Sound | Acceptable | Sound | Strong | $2,564 | +0.547% | 51 | |
36 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $3,243 | +0.564% | 50 | |
37 | EMM LOANS LLC | Sound | Acceptable | Strong | Sound | $3,555 | +0.667% | 36 | |
38 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Sound | Acceptable | Strong | Sound | $2,637 | +0.523% | 33 | |
39 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | Sound | Acceptable | Strong | Sound | $1,555 | +0.470% | 27 | |
40 | MICHIGAN MUTUAL, INC. | Sound | Acceptable | Strong | Sound | $2,697 | +0.782% | 25 | |
41 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Sound | $2,523 | +0.871% | 41 | |
42 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $3,007 | +0.473% | 20 | |
43 | CHURCHILL MORTGAGE CORPORATION | Sound | Mediocre | Strong | Sound | $2,422 | +0.407% | 43 | |
44 | SUCCESS MORTGAGE PARTNERS, INC. | Sound | Mediocre | Strong | Sound | $3,970 | +0.560% | 29 |
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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