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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 Midland
Updated February 6, 2026
Market Overview
19
Total Lenders
691
Total Loans
0.40%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | LAKE MICHIGAN CREDIT UNION | Exceptional | Exceptional | Exceptional | Exceptional | Sound | $427 | +0.015% | 11 | |
2 | DOW CREDIT UNION | Exceptional | Strong | Strong | Strong | Exceptional | $156 | +0.726% | 92 | |
3 | STAUNTON FINANCIAL, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,637 | +0.576% | 65 | |
4 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $298 | +0.474% | 45 | |
5 | MEMBERS FIRST Credit Union | Exceptional | Exceptional | Sound | Sound | Strong | $566 | +0.264% | 27 | |
6 | Frankenmuth Credit Union | Exceptional | Strong | Strong | Exceptional | Sound | $923 | +0.492% | 12 | |
7 | The Dart Bank | Exceptional | Strong | Exceptional | Strong | Sound | $1,570 | +0.839% | 11 | |
8 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,713 | +0.230% | 105 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,475 | +0.447% | 98 | |
10 | Mercantile Bank | Strong | Strong | Strong | Strong | Sound | $796 | +0.392% | 18 | |
11 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,524 | +0.370% | 67 | |
12 | Isabella Bank | Strong | Sound | Strong | Sound | Strong | $838 | -0.307% | 32 | |
13 | JOLT CREDIT UNION | Strong | Strong | Sound | Sound | Sound | $2,355 | -0.067% | 11 | |
14 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Acceptable | $2,279 | +0.159% | 10 | |
15 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,882 | +0.533% | 27 | |
16 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,382 | +0.365% | 12 | |
17 | GreenStone Farm Credit Services, FLCA | Strong | Acceptable | Strong | Strong | Sound | $2,970 | +0.975% | 10 | |
18 | GENEVA FINANCIAL, LLC | Sound | Mediocre | Strong | Strong | Sound | $2,806 | +0.766% | 21 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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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Midland, MIConventional
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