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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 Conventional Mortgage Lenders in Lansing

Updated February 5, 2026

Market Overview

Total Lenders

4,804

Total Loans

0.45%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	LAKE MICHIGAN CREDIT UNION	Exceptional	Exceptional	Exceptional	Exceptional	Strong	$1,106	-0.076%	71
2	The Dart Bank	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,526	+0.151%	628
3	MICHIGAN STATE UNIVERSITY Federal Credit Union	Exceptional	Strong	Strong	Strong	Exceptional	$1,161	+0.262%	412
4	The Huntington National Bank	Exceptional	Strong	Exceptional	Strong	Strong	$293	+0.350%	103
5	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Sound	$52	-0.315%	20
6	Fifth Third Bank, National Association	Exceptional	Strong	Exceptional	Sound	Strong	$616	+0.549%	110
7	MORTGAGE CENTER L.C	Exceptional	Strong	Strong	Strong	Strong	$1,128	+0.258%	87
8	Independent Bank	Exceptional	Strong	Strong	Strong	Strong	$1,207	+0.230%	44
9	CONSUMERS CREDIT UNION	Exceptional	Strong	Exceptional	Strong	Sound	$1,307	+0.303%	34
10	PNC Bank, National Association	Exceptional	Strong	Exceptional	Strong	Sound	-$278	+0.360%	33
11	Bank of America, National Association	Exceptional	Strong	Exceptional	Strong	Sound	$901	+0.248%	17
12	MARSHALL COMMUNITY CREDIT UNION	Exceptional	Strong	Strong	Exceptional	Sound	$779	-0.309%	11
13	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,156	+0.463%	563
14	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,298	+0.416%	372
15	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Strong	$2,018	+0.288%	81
16	Northpointe Bank	Strong	Sound	Exceptional	Strong	Strong	$2,383	+0.363%	57
17	Mercantile Bank	Strong	Strong	Strong	Strong	Sound	$822	+0.188%	35
18	MICHIGAN SCHOOLS AND GOVERNMENT	Strong	Strong	Strong	Strong	Sound	$781	-0.517%	16
19	STAUNTON FINANCIAL, INC.	Strong	Sound	Exceptional	Exceptional	Sound	$3,133	+0.187%	15
20	MICHIGAN FIRST CREDIT UNION	Strong	Strong	Strong	Strong	Sound	$893	+0.542%	13
21	Wells Fargo Bank, National Association	Strong	Strong	Exceptional	Sound	Sound	$1,742	+0.321%	11
22	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,491	+0.870%	458
23	Flagstar Bank, N.A.	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,774	+0.378%	345
24	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Sound	$2,733	+0.421%	24
25	RUOFF MORTGAGE COMPANY, INC.	Strong	Sound	Exceptional	Strong	Sound	$1,832	+0.439%	13
26	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,725	+0.594%	68
27	MORTGAGE 1 INCORPORATED	Strong	Acceptable	Exceptional	Strong	Strong	$2,657	+0.585%	51
28	CASE Credit Union	Strong	Strong	Acceptable	Sound	Strong	$851	+0.391%	45
29	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Sound	$1,424	+0.422%	33
30	PFCU	Strong	Strong	Acceptable	Sound	Strong	$1,134	+0.088%	29
31	NexBank	Strong	Sound	Strong	Strong	Sound	$2,240	+0.565%	20
32	LAFCU Credit Union	Strong	Sound	Sound	Sound	Strong	$821	+0.317%	62
33	GreenStone Farm Credit Services, FLCA	Strong	Acceptable	Strong	Strong	Strong	$2,564	+0.547%	51
34	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,243	+0.564%	50
35	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$3,511	+0.454%	37
36	EMM LOANS LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,555	+0.667%	36
37	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$2,637	+0.523%	33
38	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Sound	$4,428	+0.641%	25
39	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,193	+0.558%	24
40	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Sound	Strong	$2,898	+0.881%	98
41	EVERETT FINANCIAL, INC.	Strong	Mediocre	Exceptional	Strong	Strong	$4,329	+0.444%	78
42	VAN DYK MORTGAGE CORPORATION	Strong	Acceptable	Strong	Sound	Strong	$806	+0.414%	51
43	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$2,523	+0.871%	41
44	MICHIGAN MUTUAL, INC.	Strong	Acceptable	Strong	Strong	Sound	$2,697	+0.782%	25
45	J. VIRGIL, INC.	Strong	Acceptable	Strong	Strong	Sound	$2,914	+0.825%	22
46	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Sound	$3,007	+0.473%	20
47	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Exceptional	Sound	Sound	-$448	+0.205%	19
48	USAA Federal Savings Bank	Strong	Sound	Strong	Acceptable	Sound	$2,260	+0.097%	12
49	FBC MORTGAGE, LLC	Sound	Acceptable	Strong	Sound	Sound	$2,330	+0.544%	31
50	AMERICAN PORTFOLIO MORTGAGE CORPORATION	Sound	Acceptable	Strong	Sound	Sound	$1,555	+0.470%	27

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.

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