# NORTHERN MORTGAGE SERVICES, LLC

> **Canonical URL:** https://saferate.com/lenders/northern-mortgage-services


> **📋 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


NORTHERN MORTGAGE SERVICES, LLC is a independent mortgage company, headquartered in GRAND RAPIDS, MI, serving borrowers across 10 states, with 763 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 76% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 24% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300D36J5CQX0I4F44
- **Headquarters:** GRAND RAPIDS, MI
- **Geographic Reach:** Multi-Region
- **States Served:** 10
- **State List:** CT, FL, IN, MA, ME, MI, NC, NH, OH, TN
- **Markets (MSAs):** 9
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.9%
- **Brokered/Wholesale:** 0.1%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 24/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 76/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.464%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,205
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 763
- **Dollar Volume:** $198 million
- **Applications Received:** 944
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $259,482
- **Average Borrower Income:** $105,140
- **Average Property Value:** $322,811

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 66/100 | 565 | +0.427% | $3,464 | Strong 😀 |
| FHA | 70/100 | 162 | +0.722% | $1,971 | Strong 😀 |
| VA | 66/100 | 31 | +0.101% | $2,784 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 492 loans, Score: 66/100 (Strong)
- Refinance: 73 loans, Score: 59/100 (Sound)

**FHA:**
- Purchase: 149 loans, Score: 70/100 (Strong)

**VA:**
- Purchase: 31 loans, Score: 66/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 68/100 | 677 | $173M | +0.482% | Strong 😀 |
| Refinance | 60/100 | 86 | $25M | +0.340% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MI | 431 | 0.38% | 78/100 |
| OH | 252 | 0.19% | 72/100 |
| ME | 34 | 0.22% | 55/100 |
| MA | 19 | 0.03% | 45/100 |
| TN | 11 | 0.01% | 38/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Grand Rapids | MI | 338 | 81/100 |
| Cleveland, OH | OH | 194 | 78/100 |
| Non |  | 71 | 47/100 |
| Dayton | OH | 29 | 54/100 |
| Muskegon | MI | 14 | 49/100 |
| Springfield, MA | MA | 12 | 44/100 |
| Portland | ME | 11 | 43/100 |
| Knoxville, TN | TN | 10 | 41/100 |
| Lansing | MI | 10 | 42/100 |

## Where This Lender Ranks

NORTHERN MORTGAGE SERVICES, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Grand Rapids for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/grand-rapids/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#6** in Grand Rapids Mortgage Companies
  - [View Full Rankings](https://saferate.com/grand-rapids/best-mortgage-lenders/mortgage-companies)
- 🏆 **#7** in Grand Rapids for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/grand-rapids/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#9** in Grand Rapids for FHA Loans
  - [View Full Rankings](https://saferate.com/grand-rapids/best-mortgage-lenders/fha-loans)
- 🏆 **#10** in Grand Rapids for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/grand-rapids/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#11** in Grand Rapids for VA Loans
  - [View Full Rankings](https://saferate.com/grand-rapids/best-mortgage-lenders/va-loans)
- 🏆 **#13** in Cleveland, OH for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/cleveland-oh/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#16** in Michigan for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/michigan/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#16** in Muskegon for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/muskegon/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#19** in Cleveland, OH for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/cleveland-oh/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#20** in Cleveland, OH Mortgage Companies
  - [View Full Rankings](https://saferate.com/cleveland-oh/best-mortgage-lenders/mortgage-companies)
- 🏆 **#20** in Maine for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/maine/best-mortgage-lenders/mortgage-companies/fha-loans)

## Frequently Asked Questions

### What loan types does NORTHERN MORTGAGE SERVICES, LLC offer?

NORTHERN MORTGAGE SERVICES, LLC offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does NORTHERN MORTGAGE SERVICES, LLC offer mortgages?

NORTHERN MORTGAGE SERVICES, LLC offers mortgages in 10 states: CT, FL, IN, MA, ME, MI, NC, NH, OH, TN.

### How competitive are NORTHERN MORTGAGE SERVICES, LLC's mortgage rates?

NORTHERN MORTGAGE SERVICES, LLC has a pricing score of 24/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.464% above market average.

### What type of lender is NORTHERN MORTGAGE SERVICES, LLC?

NORTHERN MORTGAGE SERVICES, LLC is a non-depository lender that specializes in mortgage origination, headquartered in GRAND RAPIDS, MI.

### What is NORTHERN MORTGAGE SERVICES, LLC's loan approval success rate?

NORTHERN MORTGAGE SERVICES, LLC has a pull-through score of 76/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/northern-mortgage-services

### How to Cite

> "NORTHERN MORTGAGE SERVICES, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/northern-mortgage-services

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