Safe Rate Rankings

Best Conventional Mortgage Lenders in Lansing

Updated May 21, 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 Lenders64

Total Loans4,804

Median Rate Spread0.45%

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