Safe Rate Rankings

Best Credit Union Mortgage Lenders in Lansing

Updated May 26, 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	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	LAKE MICHIGAN CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Strong	$1,106Fees	0.076%Below	71
2	MICHIGAN STATE UNIVERSITY Federal Credit UnionCredit Union	Exceptional	Strong	Strong	Exceptional	$1,161Fees	0.262%Above	412
3	NAVY FEDERAL CREDIT UNIONCredit Union	Strong	Exceptional	Sound	Sound	$52Fees	0.315%Below	20
4	CASE Credit UnionCredit Union	Strong	Strong	Sound	Strong	$851Fees	0.391%Above	45
5	CONSUMERS CREDIT UNIONCredit Union	Strong	Strong	Strong	Sound	$1,307Fees	0.303%Above	34
6	PFCUCredit Union	Strong	Strong	Sound	Strong	$1,134Fees	0.088%Above	29
7	LAFCU Credit UnionCredit Union	Strong	Sound	Acceptable	Strong	$821Fees	0.317%Above	62

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.