Safe Rate Rankings

Best All Lender Mortgage Lenders in Muskegon

Updated May 21, 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 Lenders34

Total Loans2,065

Median Rate Spread0.44%

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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	Exceptional	$1,289Fees	0.043%Above	439
2	Fifth Third Bank, National AssociationBank	Strong	Strong	Strong	Strong	$495Fees	0.532%Above	89
3	The Huntington National BankBank	Strong	Strong	Strong	Strong	$525Fees	0.520%Above	82
4	CONSUMERS CREDIT UNIONCredit Union	Strong	Strong	Strong	Strong	$1,398Fees	0.105%Above	50
5	MMS MORTGAGE SERVICES, LTD.Independent Mortgage Company	Strong	Strong	Strong	Strong	$2,221Fees	0.002%Above	34
6	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,624Fees	0.472%Above	173
7	Independent BankBank	Strong	Strong	Strong	Sound	$799Fees	0.174%Above	23
8	MORTGAGE 1 INCORPORATEDIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,106Fees	0.701%Above	265
9	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Sound	$1,948Fees	0.308%Above	30
10	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,506Fees	0.407%Above	193
11	VAN DYK MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$3,234Fees	0.588%Above	160
12	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,961Fees	0.774%Above	60
13	ChoiceOne BankBank	Strong	Sound	Sound	Strong	$604Fees	0.155%Above	49
14	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Sound	$1,664Fees	0.520%Above	25
15	TOWNE MORTGAGE COMPANYIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,486Fees	0.415%Above	57
16	LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,318Fees	0.744%Above	49
17	Mortgage Research Center, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$1,716Fees	0.262%Above	42
18	Flagstar Bank, N.A.Bank	Sound	Acceptable	Strong	Sound	$2,043Fees	0.412%Above	27

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.