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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 FHA Mortgage Lenders in Muskegon
Updated February 5, 2026
Market Overview
34
Total Lenders
2,065
Total Loans
0.44%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | LAKE MICHIGAN CREDIT UNION | Exceptional | Strong | Strong | Strong | Exceptional | $1,289 | +0.043% | 439 | |
2 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $525 | +0.520% | 82 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,624 | +0.472% | 173 | |
4 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $495 | +0.532% | 89 | |
5 | TOWNE MORTGAGE COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,486 | +0.415% | 57 | |
6 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Sound | $1,948 | +0.308% | 30 | |
7 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,506 | +0.407% | 193 | |
8 | VAN DYK MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,234 | +0.588% | 160 | |
9 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,961 | +0.774% | 60 | |
10 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $2,043 | +0.412% | 27 | |
11 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $667 | +0.045% | 13 | |
12 | PENNYMAC LOAN SERVICES, LLC | Strong | Strong | Exceptional | Sound | Acceptable | $3,363 | -0.214% | 10 | |
13 | MORTGAGE 1 INCORPORATED | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,106 | +0.701% | 265 | |
14 | RUOFF MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,680 | +0.343% | 15 | |
15 | LEADERONE FINANCIAL CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $2,318 | +0.744% | 49 | |
16 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Sound | $3,782 | +1.086% | 18 | |
17 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,324 | +0.792% | 11 | |
18 | CHURCHILL MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $2,443 | +0.707% | 15 | |
19 | SUCCESS MORTGAGE PARTNERS, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $5,120 | +0.518% | 15 |
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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