# Best Mortgage Lenders in Lansing

**As of:** 2026-05-21

Compare the top mortgage lenders in Lansing. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/lansing/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 64
- **Total Loans:** 4,804
- **Median Rate Spread:** 0.4492222222222222%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | LAKE MICHIGAN CREDIT UNION | 93 | 82 | 82 | 71 | Credit Union |
| 2 | The Dart Bank | 86 | 63 | 77 | 628 | Bank |
| 3 | MICHIGAN STATE UNIVERSITY Federal Credit Union | 86 | 70 | 65 | 412 | Credit Union |
| 4 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 372 | Independent Mortgage Company |
| 5 | Fifth Third Bank, National Association | 80 | 62 | 62 | 110 | Bank |
| 6 | The Huntington National Bank | 80 | 61 | 75 | 103 | Bank |
| 7 | MORTGAGE CENTER L.C | 80 | 67 | 66 | 87 | Independent Mortgage Company |
| 8 | Independent Bank | 80 | 68 | 70 | 44 | Bank |
| 9 | FBC MORTGAGE, LLC | 78 | 60 | 83 | 31 | Independent Mortgage Company |
| 10 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 563 | Independent Mortgage Company |
| 11 | UNION HOME MORTGAGE CORP. | 74 | 22 | 83 | 458 | Independent Mortgage Company |
| 12 | JPMorgan Chase Bank, National Association | 73 | 49 | 70 | 81 | Bank |
| 13 | Northpointe Bank | 73 | 47 | 62 | 57 | Bank |
| 14 | CASE Credit Union | 73 | 72 | 43 | 45 | Credit Union |
| 15 | Mercantile Bank | 73 | 71 | 70 | 35 | Bank |
| 16 | CONSUMERS CREDIT UNION | 73 | 63 | 73 | 34 | Credit Union |
| 17 | PNC Bank, National Association | 73 | 71 | 61 | 33 | Bank |
| 18 | PFCU | 73 | 75 | 58 | 29 | Credit Union |
| 19 | NAVY FEDERAL CREDIT UNION | 71 | 93 | 60 | 20 | Credit Union |
| 20 | Flagstar Bank, N.A. | 68 | 40 | 76 | 345 | Bank |
| 21 | MORTGAGE 1 INCORPORATED | 68 | 25 | 83 | 51 | Independent Mortgage Company |
| 22 | PENNYMAC LOAN SERVICES, LLC | 66 | 56 | 63 | 33 | Independent Mortgage Company |
| 23 | FREEDOM MORTGAGE CORPORATION | 66 | 55 | 67 | 32 | Independent Mortgage Company |
| 24 | LOANDEPOT.COM, LLC | 66 | 48 | 76 | 24 | Independent Mortgage Company |
| 25 | NexBank | 66 | 41 | 66 | 20 | Bank |
| 26 | Mortgage Research Center, LLC | 63 | 34 | 70 | 98 | Independent Mortgage Company |
| 27 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 20 | 76 | 68 | Independent Mortgage Company |
| 28 | VAN DYK MORTGAGE CORPORATION | 63 | 27 | 67 | 51 | Independent Mortgage Company |
| 29 | FIRST COMMUNITY MORTGAGE, INC. | 62 | 31 | 89 | 37 | Independent Mortgage Company |
| 30 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 62 | 26 | 87 | 25 | Independent Mortgage Company |
| 31 | GUILD MORTGAGE COMPANY LLC | 62 | 25 | 83 | 24 | Independent Mortgage Company |
| 32 | J. VIRGIL, INC. | 62 | 21 | 81 | 22 | Independent Mortgage Company |
| 33 | LAFCU Credit Union | 58 | 56 | 30 | 62 | Credit Union |
| 34 | GreenStone Farm Credit Services, FLCA | 58 | 23 | 59 | 51 | Independent Mortgage Company |
| 35 | NATIONSTAR MORTGAGE LLC | 58 | 26 | 71 | 50 | Independent Mortgage Company |
| 36 | EMM LOANS LLC | 58 | 31 | 77 | 36 | Independent Mortgage Company |
| 37 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 58 | 28 | 68 | 33 | Independent Mortgage Company |
| 38 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | 58 | 25 | 69 | 27 | Independent Mortgage Company |
| 39 | MICHIGAN MUTUAL, INC. | 58 | 32 | 73 | 25 | Independent Mortgage Company |
| 40 | EVERETT FINANCIAL, INC. | 54 | 13 | 80 | 78 | Independent Mortgage Company |
| 41 | NEW AMERICAN FUNDING, LLC | 52 | 22 | 60 | 41 | Independent Mortgage Company |
| 42 | NEWREZ LLC | 52 | 35 | 59 | 20 | Independent Mortgage Company |
| 43 | CHURCHILL MORTGAGE CORPORATION | 46 | 18 | 65 | 43 | Independent Mortgage Company |
| 44 | SUCCESS MORTGAGE PARTNERS, INC. | 46 | 15 | 67 | 29 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Lansing.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.