# Best Conventional Mortgage Lenders in Muskegon

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

Compare the top Conventional mortgage lenders in Muskegon. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | The Huntington National Bank | 85 | 63 | 75 | 82 | Bank |
| 3 | CONSUMERS CREDIT UNION | 85 | 63 | 73 | 50 | Credit Union |
| 4 | Fifth Third Bank, National Association | 79 | 61 | 60 | 89 | Bank |
| 5 | The Dart Bank | 79 | 64 | 76 | 11 | Bank |
| 6 | MORTGAGE 1 INCORPORATED | 75 | 27 | 78 | 265 | Independent Mortgage Company |
| 7 | ROCKET MORTGAGE, LLC | 75 | 28 | 87 | 193 | Independent Mortgage Company |
| 8 | UNITED WHOLESALE MORTGAGE, LLC | 75 | 36 | 86 | 173 | Independent Mortgage Company |
| 9 | ChoiceOne Bank | 74 | 60 | 60 | 49 | Bank |
| 10 | MMS MORTGAGE SERVICES, LTD. | 74 | 67 | 71 | 34 | Independent Mortgage Company |
| 11 | Independent Bank | 74 | 68 | 71 | 23 | Bank |
| 12 | Mercantile Bank | 74 | 72 | 67 | 18 | Bank |
| 13 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 73 | 40 | 74 | 30 | Independent Mortgage Company |
| 14 | JPMorgan Chase Bank, National Association | 73 | 52 | 71 | 25 | Bank |
| 15 | RUOFF MORTGAGE COMPANY, INC. | 73 | 46 | 74 | 15 | Independent Mortgage Company |
| 16 | LOANDEPOT.COM, LLC | 73 | 45 | 72 | 13 | Independent Mortgage Company |
| 17 | T2 FINANCIAL LLC | 71 | 26 | 77 | 60 | Independent Mortgage Company |
| 18 | TOWNE MORTGAGE COMPANY | 71 | 39 | 79 | 57 | Independent Mortgage Company |
| 19 | LEADERONE FINANCIAL CORPORATION | 71 | 24 | 66 | 49 | Independent Mortgage Company |
| 20 | VAN DYK MORTGAGE CORPORATION | 66 | 27 | 59 | 160 | Independent Mortgage Company |
| 21 | Flagstar Bank, N.A. | 66 | 34 | 72 | 27 | Bank |
| 22 | UNION HOME MORTGAGE CORP. | 66 | 23 | 77 | 19 | Independent Mortgage Company |
| 23 | GUILD MORTGAGE COMPANY LLC | 66 | 25 | 77 | 13 | Independent Mortgage Company |
| 24 | FIRST COMMUNITY MORTGAGE, INC. | 66 | 31 | 79 | 11 | Independent Mortgage Company |
| 25 | FREEDOM MORTGAGE CORPORATION | 64 | 41 | 47 | 13 | Independent Mortgage Company |
| 26 | NORTHERN MORTGAGE SERVICES, LLC | 63 | 22 | 67 | 14 | Independent Mortgage Company |
| 27 | AMERICAN PACIFIC MORTGAGE CORPORATION | 56 | 15 | 75 | 18 | Independent Mortgage Company |
| 28 | CHURCHILL MORTGAGE CORPORATION | 56 | 19 | 62 | 15 | Independent Mortgage Company |
| 29 | NEWREZ LLC | 56 | 31 | 58 | 10 | Independent Mortgage Company |

## 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.