# Best Mortgage Lenders in Muskegon

**As of:** 2026-05-21

Compare the top mortgage lenders in Muskegon. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/muskegon/best-mortgage-lenders


> **📋 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


## Market Statistics

- **Total Lenders:** 34
- **Total Loans:** 2,065
- **Median Rate Spread:** 0.4370294117647059%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | LAKE MICHIGAN CREDIT UNION | 100 | 82 | 82 | 439 | Credit Union |
| 2 | Fifth Third Bank, National Association | 80 | 62 | 62 | 89 | Bank |
| 3 | The Huntington National Bank | 80 | 61 | 75 | 82 | Bank |
| 4 | CONSUMERS CREDIT UNION | 80 | 63 | 73 | 50 | Credit Union |
| 5 | MMS MORTGAGE SERVICES, LTD. | 80 | 67 | 61 | 34 | Independent Mortgage Company |
| 6 | UNITED WHOLESALE MORTGAGE, LLC | 78 | 41 | 93 | 173 | Independent Mortgage Company |
| 7 | MORTGAGE 1 INCORPORATED | 74 | 25 | 83 | 265 | Independent Mortgage Company |
| 8 | Independent Bank | 73 | 68 | 70 | 23 | Bank |
| 9 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 71 | 46 | 83 | 30 | Independent Mortgage Company |
| 10 | VAN DYK MORTGAGE CORPORATION | 68 | 27 | 67 | 160 | Independent Mortgage Company |
| 11 | ROCKET MORTGAGE, LLC | 68 | 29 | 95 | 193 | Independent Mortgage Company |
| 12 | T2 FINANCIAL LLC | 68 | 26 | 86 | 60 | Independent Mortgage Company |
| 13 | JPMorgan Chase Bank, National Association | 66 | 49 | 70 | 25 | Bank |
| 14 | ChoiceOne Bank | 66 | 59 | 58 | 49 | Bank |
| 15 | TOWNE MORTGAGE COMPANY | 63 | 40 | 79 | 57 | Independent Mortgage Company |
| 16 | LEADERONE FINANCIAL CORPORATION | 63 | 21 | 73 | 49 | Independent Mortgage Company |
| 17 | Mortgage Research Center, LLC | 58 | 34 | 70 | 42 | Independent Mortgage Company |
| 18 | Flagstar Bank, N.A. | 58 | 40 | 76 | 27 | Bank |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Muskegon.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.