Top Mortgage Lenders in Lansing, MI

Which mortgage lender in the Lansing, MI area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Lansing, MI area by interest rate and market share. Unlike our competitors, we maintain independence by not accepting any compensation from the mortgage lenders we rank. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the Lansing, MI area in terms of interest rate is Financial Plus Credit Union, with an average “Rate Difference” of -0.35%. This means that, comparing similar borrowers, Financial Plus Credit Union provided a -0.35% lower interest rate for its customers than other lenders in the area. Financial Plus Credit Union has a market share of 0.9%. On the other hand, the most popular lender in the Lansing, MI area is Quicken Loans, with a larger market share of 13.3%. However, Quicken Loans also tends to be an expensive lender in the area, with an average “Rate Difference” of +0.11% compared to those of other lenders. We recommend shopping around before going with this popular lender.

Our detailed ranking of mortgage lenders in the Lansing, MI area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in Lansing, MI is Financial Plus Credit Union. If you want to take out a loan that is above conforming limits (for example, above $548,250 in 2021), the cheapest Jumbo mortgage provider is The State Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Huntington National Bank. The cheapest VA mortgage provider is Navy Federal Credit Union. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in Lansing, MI

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
Financial Plus Credit Union-0.35%(5.0)0.92%
Dort Federal Credit Union-0.31%(5.0)2.19%
LAFCU-0.15%(4.0)0.61%
Huntington National Bank-0.15%(4.0)2.91%
Dart Bank-0.15%(4.0)7.15%
Genisys Credit Union-0.14%(4.0)0.94%
MSU Federal Credit Union-0.13%(4.0)8.59%
Bank of America-0.13%(4.0)0.69%
Amerisave Mortgage Corporation-0.11%(4.0)0.28%
The State Bank-0.10%(4.0)1.81%
Fifth Third Bank-0.10%(4.0)3.41%
Navy Federal Credit Union-0.09%(4.0)0.47%
USAA-0.09%(4.0)0.76%
Lake Michigan Credit Union-0.09%(4.0)2.07%
TCF Bank-0.08%(4.0)0.69%
VanDyk Mortgage Corporation-0.07%(4.0)0.75%
Frankenmuth Credit Union-0.07%(4.0)0.41%
Mercantile Bank of Michigan-0.05%(4.0)0.38%
American Portfolio Mortgage-0.04%(3.5)0.63%
Keller Mortgage-0.04%(3.5)0.22%
NewRez-0.03%(3.5)0.36%
CIBM Bank-0.03%(3.5)0.35%
PFCU-0.03%(3.5)0.88%
Towne Mortgage Company-0.03%(3.5)1.31%
Sunflower Bank-0.02%(3.5)1.22%
PNC Bank-0.02%(3.5)2.36%
Freedom Mortgage Corporation-0.02%(3.5)0.83%
John Adams Mortgage Company-0.01%(3.5)0.26%
Security Credit Union-0.01%(3.5)0.24%
Independent Bank Michigan-0.01%(3.5)1.95%
Ruoff Mortgage-0.01%(3.5)0.24%
Cardinal Financial Company-0.01%(3.5)0.22%
Caliber Home Loans-0.01%(3.5)1.51%
JPMorgan Chase Bank-0.00%(3.5)3.63%
Mortgage Center0.00%(3.5)1.27%
New American Funding0.00%(3.5)0.30%
Lakeview Loan Servicing0.01%(3.5)0.32%
Plaza Home Mortgage0.01%(3.5)0.44%
loanDepot0.01%(3.5)0.93%
Northpointe Bank0.02%(3.5)0.23%
Platinum Home Mortgage Corporation0.02%(3.5)0.34%
Academy Mortgage Corporation Utah0.02%(3.5)0.26%
PennyMac Loan Services0.02%(3.5)0.35%
Cherry Creek Mortgage0.03%(3.5)0.66%
Fairway Independent Mortgage Corporation0.04%(3.5)0.23%
Finance of America Mortgage0.05%(3.5)0.28%
Gold Star Mortgage Financial Group0.05%(3.5)0.42%
Ross Mortgage Corporation0.06%(3.0)1.80%
MiMutual Mortgage0.06%(3.0)0.52%
Carrington Mortgage Services0.07%(3.0)0.59%
Wells Fargo Bank0.07%(3.0)0.67%
Flagstar Bank0.08%(3.0)4.94%
Amerifirst Home Mortgage0.08%(3.0)0.51%
GreenStone Farm Credit Services0.08%(3.0)0.25%
Success Mortgage Partners0.08%(3.0)1.14%
Churchill Mortgage0.09%(3.0)0.68%
Movement Mortgage0.09%(3.0)0.38%
emmloans0.09%(3.0)0.67%
Stockton Mortgage0.10%(3.0)0.64%
Quicken Loans0.11%(3.0)13.30%
Simple Mortgage0.13%(3.0)0.88%
Cason Home Loans0.13%(3.0)3.94%
ELGA Credit Union0.15%(2.5)1.05%
Mid America Mortgage0.15%(2.5)1.56%
Summit Funding Inc0.16%(2.5)0.41%
Mortgage 1 Inc0.16%(2.5)2.45%
Union Home Mortgage0.17%(2.5)5.37%
Mr. Cooper0.25%(2.0)0.96%
Lender NameRate DifferenceRate RatingMarket Share
Dort Federal Credit Union-0.24%(4.5)1.81%
Huntington National Bank-0.22%(4.5)2.63%
Financial Plus Credit Union-0.21%(4.5)0.41%
Bank of America-0.19%(4.5)0.70%
LAFCU-0.15%(4.5)0.59%
MSU Federal Credit Union-0.14%(4.0)8.57%
Dart Bank-0.14%(4.0)8.25%
PNC Bank-0.14%(4.0)1.25%
Fifth Third Bank-0.13%(4.0)2.34%
Freedom Mortgage Corporation-0.11%(4.0)0.83%
TCF Bank-0.11%(4.0)0.63%
Navy Federal Credit Union-0.11%(4.0)0.75%
USAA-0.10%(4.0)1.10%
JPMorgan Chase Bank-0.10%(4.0)2.43%
Lake Michigan Credit Union-0.08%(4.0)2.90%
VanDyk Mortgage Corporation-0.08%(4.0)1.07%
The State Bank-0.08%(4.0)1.33%
Mercantile Bank of Michigan-0.07%(4.0)0.33%
Genisys Credit Union-0.07%(4.0)0.46%
PFCU-0.06%(4.0)0.70%
Frankenmuth Credit Union-0.06%(4.0)0.47%
CIBM Bank-0.05%(4.0)0.48%
Security Credit Union-0.05%(4.0)0.21%
American Portfolio Mortgage-0.05%(3.5)1.01%
Keller Mortgage-0.05%(3.5)0.37%
Cardinal Financial Company-0.04%(3.5)0.22%
John Adams Mortgage Company-0.03%(3.5)0.38%
Towne Mortgage Company-0.03%(3.5)1.62%
Independent Bank Michigan-0.02%(3.5)2.29%
loanDepot-0.02%(3.5)0.22%
PennyMac Loan Services-0.01%(3.5)0.17%
Ruoff Mortgage-0.01%(3.5)0.26%
Lakeview Loan Servicing-0.01%(3.5)0.16%
Sunflower Bank-0.01%(3.5)1.10%
Caliber Home Loans-0.01%(3.5)1.88%
Mortgage Center-0.00%(3.5)1.12%
Plaza Home Mortgage-0.00%(3.5)0.58%
ELGA Credit Union0.00%(3.5)0.46%
NewRez0.01%(3.5)0.06%
Academy Mortgage Corporation Utah0.01%(3.5)0.39%
Platinum Home Mortgage Corporation0.01%(3.5)0.37%
Northpointe Bank0.02%(3.5)0.33%
Amerisave Mortgage Corporation0.02%(3.5)0.04%
Cherry Creek Mortgage0.02%(3.5)1.12%
New American Funding0.03%(3.5)0.30%
Wells Fargo Bank0.03%(3.5)0.56%
Fairway Independent Mortgage Corporation0.04%(3.5)0.30%
Mr. Cooper0.04%(3.5)0.33%
Finance of America Mortgage0.04%(3.5)0.41%
Gold Star Mortgage Financial Group0.05%(3.0)0.56%
MiMutual Mortgage0.05%(3.0)0.67%
Ross Mortgage Corporation0.07%(3.0)2.59%
Carrington Mortgage Services0.08%(3.0)0.21%
Flagstar Bank0.08%(3.0)7.18%
Quicken Loans0.08%(3.0)6.72%
Amerifirst Home Mortgage0.08%(3.0)0.74%
Churchill Mortgage0.08%(3.0)1.01%
GreenStone Farm Credit Services0.09%(3.0)0.26%
Movement Mortgage0.09%(3.0)0.58%
emmloans0.10%(3.0)0.73%
Stockton Mortgage0.10%(3.0)1.00%
Success Mortgage Partners0.11%(3.0)1.47%
Simple Mortgage0.13%(3.0)1.38%
Cason Home Loans0.14%(3.0)5.76%
Mid America Mortgage0.16%(2.5)2.20%
Summit Funding Inc0.18%(2.5)0.59%
Mortgage 1 Inc0.19%(2.5)3.34%
Union Home Mortgage0.24%(2.5)6.71%
Lender NameRate DifferenceRate RatingMarket Share
Financial Plus Credit Union-0.39%(5.0)1.57%
Dort Federal Credit Union-0.36%(5.0)2.67%
Dart Bank-0.16%(4.5)5.75%
Genisys Credit Union-0.15%(4.5)1.56%
LAFCU-0.14%(4.0)0.64%
MSU Federal Credit Union-0.12%(4.0)8.62%
Lake Michigan Credit Union-0.11%(4.0)1.01%
Amerisave Mortgage Corporation-0.11%(4.0)0.58%
The State Bank-0.10%(4.0)2.42%
Frankenmuth Credit Union-0.08%(4.0)0.34%
Huntington National Bank-0.07%(4.0)3.27%
Fifth Third Bank-0.07%(4.0)4.75%
Bank of America-0.05%(3.5)0.67%
USAA-0.04%(3.5)0.34%
VanDyk Mortgage Corporation-0.04%(3.5)0.34%
Towne Mortgage Company-0.04%(3.5)0.92%
Sunflower Bank-0.04%(3.5)1.37%
TCF Bank-0.03%(3.5)0.76%
Mercantile Bank of Michigan-0.03%(3.5)0.44%
Navy Federal Credit Union-0.03%(3.5)0.11%
New American Funding-0.03%(3.5)0.30%
NewRez-0.03%(3.5)0.73%
American Portfolio Mortgage-0.02%(3.5)0.14%
Caliber Home Loans-0.01%(3.5)1.04%
Ruoff Mortgage-0.01%(3.5)0.22%
Independent Bank Michigan0.00%(3.5)1.51%
Keller Mortgage0.00%(3.5)0.03%
PFCU0.00%(3.5)1.11%
Union Home Mortgage0.00%(3.5)3.68%
Northpointe Bank0.00%(3.5)0.09%
Success Mortgage Partners0.01%(3.5)0.73%
Ross Mortgage Corporation0.01%(3.5)0.81%
Mortgage Center0.01%(3.5)1.45%
John Adams Mortgage Company0.02%(3.5)0.11%
Lakeview Loan Servicing0.02%(3.5)0.53%
Gold Star Mortgage Financial Group0.02%(3.5)0.25%
Platinum Home Mortgage Corporation0.02%(3.5)0.30%
Security Credit Union0.02%(3.5)0.28%
CIBM Bank0.03%(3.5)0.19%
Academy Mortgage Corporation Utah0.03%(3.5)0.09%
loanDepot0.03%(3.5)1.82%
Movement Mortgage0.03%(3.5)0.12%
Plaza Home Mortgage0.03%(3.5)0.27%
PNC Bank0.04%(3.5)3.77%
Fairway Independent Mortgage Corporation0.04%(3.5)0.16%
Cardinal Financial Company0.04%(3.5)0.22%
Amerifirst Home Mortgage0.04%(3.5)0.22%
Summit Funding Inc0.04%(3.5)0.19%
Finance of America Mortgage0.04%(3.5)0.11%
PennyMac Loan Services0.04%(3.5)0.58%
Simple Mortgage0.05%(3.0)0.25%
Flagstar Bank0.05%(3.0)2.12%
Cason Home Loans0.05%(3.0)1.64%
GreenStone Farm Credit Services0.06%(3.0)0.23%
Churchill Mortgage0.06%(3.0)0.27%
JPMorgan Chase Bank0.06%(3.0)5.14%
Cherry Creek Mortgage0.07%(3.0)0.08%
Stockton Mortgage0.07%(3.0)0.19%
Carrington Mortgage Services0.07%(3.0)1.08%
MiMutual Mortgage0.07%(3.0)0.33%
Mortgage 1 Inc0.07%(3.0)1.33%
emmloans0.08%(3.0)0.59%
Freedom Mortgage Corporation0.10%(3.0)0.84%
Wells Fargo Bank0.12%(3.0)0.83%
Mid America Mortgage0.12%(3.0)0.75%
Quicken Loans0.13%(3.0)21.61%
ELGA Credit Union0.21%(2.5)1.79%
Mr. Cooper0.31%(2.0)1.76%
Lender NameRate DifferenceRate RatingMarket Share
Financial Plus Credit Union-0.36%(5.0)1.21%
Dort Federal Credit Union-0.33%(5.0)2.73%
Dart Bank-0.15%(4.0)9.03%
LAFCU-0.14%(4.0)0.82%
Genisys Credit Union-0.13%(4.0)1.27%
Bank of America-0.13%(4.0)0.85%
Amerisave Mortgage Corporation-0.13%(4.0)0.30%
MSU Federal Credit Union-0.12%(4.0)11.55%
Huntington National Bank-0.12%(4.0)2.99%
Fifth Third Bank-0.10%(4.0)4.11%
The State Bank-0.09%(4.0)2.35%
VanDyk Mortgage Corporation-0.08%(4.0)0.74%
TCF Bank-0.08%(4.0)0.69%
Lake Michigan Credit Union-0.07%(4.0)2.37%
Frankenmuth Credit Union-0.06%(4.0)0.56%
Mercantile Bank of Michigan-0.05%(3.5)0.49%
Keller Mortgage-0.03%(3.5)0.23%
NewRez-0.03%(3.5)0.33%
CIBM Bank-0.02%(3.5)0.29%
PFCU-0.02%(3.5)1.19%
American Portfolio Mortgage-0.02%(3.5)0.55%
Sunflower Bank-0.02%(3.5)1.42%
Independent Bank Michigan-0.02%(3.5)2.28%
Freedom Mortgage Corporation-0.01%(3.5)0.44%
Ruoff Mortgage-0.01%(3.5)0.23%
John Adams Mortgage Company-0.01%(3.5)0.26%
New American Funding-0.01%(3.5)0.19%
PNC Bank-0.01%(3.5)2.89%
Towne Mortgage Company-0.01%(3.5)0.91%
Security Credit Union-0.01%(3.5)0.32%
USAA0.00%(3.5)0.21%
JPMorgan Chase Bank0.00%(3.5)4.73%
Mortgage Center0.02%(3.5)1.38%
Cardinal Financial Company0.02%(3.5)0.11%
Lakeview Loan Servicing0.02%(3.5)0.18%
Carrington Mortgage Services0.04%(3.5)0.25%
Platinum Home Mortgage Corporation0.04%(3.5)0.24%
Academy Mortgage Corporation Utah0.04%(3.5)0.19%
Gold Star Mortgage Financial Group0.04%(3.5)0.27%
Fairway Independent Mortgage Corporation0.05%(3.5)0.18%
Northpointe Bank0.05%(3.5)0.22%
Caliber Home Loans0.06%(3.0)1.16%
Plaza Home Mortgage0.06%(3.0)0.31%
Amerifirst Home Mortgage0.07%(3.0)0.51%
PennyMac Loan Services0.07%(3.0)0.19%
Ross Mortgage Corporation0.07%(3.0)1.19%
MiMutual Mortgage0.08%(3.0)0.29%
loanDepot0.08%(3.0)0.61%
GreenStone Farm Credit Services0.08%(3.0)0.33%
Wells Fargo Bank0.09%(3.0)0.85%
Cherry Creek Mortgage0.09%(3.0)0.42%
Success Mortgage Partners0.10%(3.0)0.44%
Flagstar Bank0.10%(3.0)4.84%
Churchill Mortgage0.10%(3.0)0.71%
emmloans0.11%(3.0)0.40%
Finance of America Mortgage0.11%(3.0)0.19%
Summit Funding Inc0.13%(3.0)0.25%
Movement Mortgage0.14%(3.0)0.33%
Stockton Mortgage0.15%(2.5)0.47%
Union Home Mortgage0.15%(2.5)5.58%
ELGA Credit Union0.16%(2.5)1.40%
Simple Mortgage0.17%(2.5)0.43%
Mid America Mortgage0.19%(2.5)1.06%
Mortgage 1 Inc0.19%(2.5)2.08%
Quicken Loans0.19%(2.5)11.20%
Cason Home Loans0.21%(2.5)2.43%
Navy Federal Credit Union0.21%(2.5)0.18%
Mr. Cooper0.37%(1.5)0.62%
Lender NameRate DifferenceRate RatingMarket Share
Dort Federal Credit Union-0.28%(5.0)2.24%
Financial Plus Credit Union-0.21%(4.5)0.56%
Bank of America-0.20%(4.5)0.90%
Huntington National Bank-0.18%(4.5)2.50%
LAFCU-0.14%(4.0)0.86%
Dart Bank-0.14%(4.0)11.00%
MSU Federal Credit Union-0.14%(4.0)12.46%
Fifth Third Bank-0.13%(4.0)2.80%
PNC Bank-0.13%(4.0)1.45%
TCF Bank-0.11%(4.0)0.65%
JPMorgan Chase Bank-0.10%(4.0)3.43%
VanDyk Mortgage Corporation-0.09%(4.0)1.09%
The State Bank-0.08%(4.0)1.90%
Mercantile Bank of Michigan-0.07%(4.0)0.45%
Lake Michigan Credit Union-0.06%(4.0)3.57%
Genisys Credit Union-0.06%(4.0)0.66%
Freedom Mortgage Corporation-0.06%(4.0)0.47%
PFCU-0.06%(4.0)1.02%
CIBM Bank-0.05%(4.0)0.39%
Frankenmuth Credit Union-0.05%(3.5)0.68%
Keller Mortgage-0.04%(3.5)0.41%
Security Credit Union-0.04%(3.5)0.31%
Independent Bank Michigan-0.03%(3.5)2.78%
American Portfolio Mortgage-0.02%(3.5)0.90%
John Adams Mortgage Company-0.02%(3.5)0.39%
Ruoff Mortgage-0.02%(3.5)0.23%
USAA-0.02%(3.5)0.34%
Towne Mortgage Company0.00%(3.5)1.08%
Sunflower Bank0.01%(3.5)1.29%
PennyMac Loan Services0.01%(3.5)0.13%
Lakeview Loan Servicing0.01%(3.5)0.14%
ELGA Credit Union0.01%(3.5)0.65%
Cardinal Financial Company0.01%(3.5)0.07%
Carrington Mortgage Services0.01%(3.5)0.04%
Mortgage Center0.02%(3.5)1.26%
Academy Mortgage Corporation Utah0.03%(3.5)0.32%
Amerisave Mortgage Corporation0.04%(3.5)0.04%
Fairway Independent Mortgage Corporation0.04%(3.5)0.25%
Platinum Home Mortgage Corporation0.04%(3.5)0.25%
loanDepot0.04%(3.5)0.09%
Mr. Cooper0.04%(3.5)0.11%
Wells Fargo Bank0.04%(3.5)0.70%
New American Funding0.04%(3.5)0.16%
NewRez0.05%(3.5)0.02%
Gold Star Mortgage Financial Group0.05%(3.0)0.27%
Northpointe Bank0.06%(3.0)0.32%
Amerifirst Home Mortgage0.07%(3.0)0.81%
Plaza Home Mortgage0.07%(3.0)0.36%
MiMutual Mortgage0.07%(3.0)0.36%
Caliber Home Loans0.08%(3.0)1.53%
Cherry Creek Mortgage0.09%(3.0)0.77%
emmloans0.09%(3.0)0.34%
GreenStone Farm Credit Services0.10%(3.0)0.38%
Flagstar Bank0.10%(3.0)7.36%
Ross Mortgage Corporation0.11%(3.0)1.65%
Churchill Mortgage0.11%(3.0)1.13%
Finance of America Mortgage0.12%(3.0)0.27%
Success Mortgage Partners0.12%(3.0)0.54%
Summit Funding Inc0.14%(3.0)0.38%
Movement Mortgage0.15%(2.5)0.54%
Stockton Mortgage0.16%(2.5)0.77%
Quicken Loans0.17%(2.5)5.78%
Simple Mortgage0.18%(2.5)0.70%
Mid America Mortgage0.21%(2.5)1.38%
Navy Federal Credit Union0.22%(2.5)0.32%
Union Home Mortgage0.23%(2.5)6.82%
Mortgage 1 Inc0.24%(2.5)2.78%
Cason Home Loans0.26%(2.0)3.39%
Lender NameRate DifferenceRate RatingMarket Share
Financial Plus Credit Union-0.39%(5.0)1.91%
Dort Federal Credit Union-0.36%(5.0)3.25%
Dart Bank-0.16%(4.5)6.93%
Genisys Credit Union-0.15%(4.5)1.91%
LAFCU-0.14%(4.0)0.78%
Amerisave Mortgage Corporation-0.13%(4.0)0.57%
Lake Michigan Credit Union-0.12%(4.0)1.09%
MSU Federal Credit Union-0.11%(4.0)10.58%
The State Bank-0.11%(4.0)2.83%
Frankenmuth Credit Union-0.08%(4.0)0.42%
Huntington National Bank-0.07%(4.0)3.52%
Fifth Third Bank-0.07%(4.0)5.51%
VanDyk Mortgage Corporation-0.05%(4.0)0.36%
New American Funding-0.05%(4.0)0.21%
TCF Bank-0.04%(3.5)0.73%
Bank of America-0.04%(3.5)0.80%
Sunflower Bank-0.04%(3.5)1.55%
Mercantile Bank of Michigan-0.03%(3.5)0.54%
NewRez-0.02%(3.5)0.67%
Towne Mortgage Company-0.02%(3.5)0.73%
American Portfolio Mortgage-0.02%(3.5)0.17%
Ross Mortgage Corporation-0.01%(3.5)0.71%
Ruoff Mortgage-0.01%(3.5)0.23%
Independent Bank Michigan0.00%(3.5)1.74%
Union Home Mortgage0.00%(3.5)4.25%
Keller Mortgage0.00%(3.5)0.04%
PFCU0.01%(3.5)1.36%
Northpointe Bank0.01%(3.5)0.11%
Caliber Home Loans0.01%(3.5)0.77%
Navy Federal Credit Union0.01%(3.5)0.02%
Mortgage Center0.02%(3.5)1.51%
John Adams Mortgage Company0.02%(3.5)0.11%
Gold Star Mortgage Financial Group0.03%(3.5)0.27%
Security Credit Union0.03%(3.5)0.34%
Platinum Home Mortgage Corporation0.03%(3.5)0.23%
Cardinal Financial Company0.03%(3.5)0.15%
Movement Mortgage0.03%(3.5)0.11%
CIBM Bank0.03%(3.5)0.17%
Cherry Creek Mortgage0.03%(3.5)0.04%
Amerifirst Home Mortgage0.03%(3.5)0.19%
Academy Mortgage Corporation Utah0.03%(3.5)0.06%
Lakeview Loan Servicing0.04%(3.5)0.21%
PNC Bank0.04%(3.5)4.42%
Freedom Mortgage Corporation0.04%(3.5)0.40%
Carrington Mortgage Services0.04%(3.5)0.48%
Plaza Home Mortgage0.05%(3.5)0.25%
Success Mortgage Partners0.05%(3.5)0.34%
USAA0.05%(3.5)0.08%
Fairway Independent Mortgage Corporation0.05%(3.0)0.10%
Finance of America Mortgage0.05%(3.0)0.10%
GreenStone Farm Credit Services0.06%(3.0)0.29%
Summit Funding Inc0.06%(3.0)0.11%
JPMorgan Chase Bank0.07%(3.0)6.12%
Flagstar Bank0.07%(3.0)2.14%
Churchill Mortgage0.07%(3.0)0.27%
MiMutual Mortgage0.07%(3.0)0.21%
Cason Home Loans0.08%(3.0)1.40%
Mortgage 1 Inc0.09%(3.0)1.34%
Stockton Mortgage0.09%(3.0)0.15%
loanDepot0.09%(3.0)1.17%
Simple Mortgage0.11%(3.0)0.13%
PennyMac Loan Services0.11%(3.0)0.25%
emmloans0.12%(3.0)0.46%
Wells Fargo Bank0.12%(3.0)1.01%
Mid America Mortgage0.14%(3.0)0.71%
Quicken Loans0.20%(2.5)16.98%
ELGA Credit Union0.21%(2.5)2.20%
Mr. Cooper0.40%(1.5)1.17%
Lender NameRate DifferenceRate RatingMarket Share
Huntington National Bank-0.29%(5.0)2.76%
Lake Michigan Credit Union-0.18%(4.5)1.11%
PNC Bank-0.15%(4.5)0.68%
Caliber Home Loans-0.14%(4.0)2.33%
Freedom Mortgage Corporation-0.12%(4.0)1.58%
American Portfolio Mortgage-0.10%(4.0)0.90%
Plaza Home Mortgage-0.09%(4.0)0.68%
TCF Bank-0.09%(4.0)0.68%
Quicken Loans-0.08%(4.0)20.80%
Fifth Third Bank-0.07%(4.0)1.40%
Dart Bank-0.07%(4.0)1.72%
Northpointe Bank-0.06%(4.0)0.29%
Towne Mortgage Company-0.06%(4.0)2.87%
loanDepot-0.06%(4.0)1.29%
Mortgage Center-0.06%(4.0)1.00%
CIBM Bank-0.06%(4.0)0.57%
Cardinal Financial Company-0.05%(4.0)0.61%
Sunflower Bank-0.05%(4.0)0.50%
NewRez-0.05%(4.0)0.43%
VanDyk Mortgage Corporation-0.05%(3.5)0.72%
Cherry Creek Mortgage-0.04%(3.5)1.54%
Keller Mortgage-0.04%(3.5)0.22%
John Adams Mortgage Company-0.03%(3.5)0.29%
Mercantile Bank of Michigan-0.03%(3.5)0.07%
Finance of America Mortgage-0.03%(3.5)0.68%
Financial Plus Credit Union-0.02%(3.5)0.11%
Navy Federal Credit Union-0.02%(3.5)0.04%
Amerisave Mortgage Corporation-0.02%(3.5)0.18%
Bank of America-0.02%(3.5)0.11%
Academy Mortgage Corporation Utah-0.01%(3.5)0.47%
Ruoff Mortgage-0.01%(3.5)0.29%
Platinum Home Mortgage Corporation-0.01%(3.5)0.75%
Movement Mortgage-0.01%(3.5)0.54%
PennyMac Loan Services-0.00%(3.5)0.65%
Lakeview Loan Servicing-0.00%(3.5)0.72%
New American Funding0.01%(3.5)0.61%
Dort Federal Credit Union0.01%(3.5)0.75%
Flagstar Bank0.01%(3.5)4.99%
Fairway Independent Mortgage Corporation0.02%(3.5)0.50%
MiMutual Mortgage0.03%(3.5)1.22%
Ross Mortgage Corporation0.03%(3.5)3.73%
JPMorgan Chase Bank0.03%(3.5)0.18%
Churchill Mortgage0.03%(3.5)0.57%
Stockton Mortgage0.04%(3.5)1.18%
Cason Home Loans0.04%(3.5)9.68%
Gold Star Mortgage Financial Group0.05%(3.0)0.97%
Independent Bank Michigan0.06%(3.0)0.93%
Carrington Mortgage Services0.06%(3.0)1.61%
Success Mortgage Partners0.07%(3.0)3.55%
emmloans0.08%(3.0)1.69%
Simple Mortgage0.09%(3.0)2.55%
Mid America Mortgage0.12%(3.0)3.48%
Mortgage 1 Inc0.13%(3.0)3.62%
Mr. Cooper0.14%(3.0)2.22%
Amerifirst Home Mortgage0.14%(3.0)0.50%
Summit Funding Inc0.20%(2.5)0.97%
Union Home Mortgage0.25%(2.0)4.91%
Lender NameRate DifferenceRate RatingMarket Share
Huntington National Bank-0.36%(5.0)3.06%
Lake Michigan Credit Union-0.21%(4.5)1.36%
PNC Bank-0.20%(4.5)0.70%
Freedom Mortgage Corporation-0.19%(4.5)1.66%
Caliber Home Loans-0.16%(4.5)2.51%
TCF Bank-0.15%(4.5)0.60%
Plaza Home Mortgage-0.12%(4.0)0.85%
Fifth Third Bank-0.11%(4.0)1.36%
American Portfolio Mortgage-0.11%(4.0)1.26%
Quicken Loans-0.10%(4.0)9.44%
Cardinal Financial Company-0.09%(4.0)0.65%
Dart Bank-0.08%(4.0)2.26%
Northpointe Bank-0.08%(4.0)0.40%
CIBM Bank-0.08%(4.0)0.70%
loanDepot-0.07%(4.0)0.50%
Sunflower Bank-0.07%(4.0)0.65%
Towne Mortgage Company-0.07%(4.0)3.21%
Mortgage Center-0.07%(4.0)0.90%
VanDyk Mortgage Corporation-0.06%(4.0)0.95%
PennyMac Loan Services-0.06%(4.0)0.25%
Cherry Creek Mortgage-0.06%(4.0)2.01%
Lakeview Loan Servicing-0.05%(4.0)0.25%
Keller Mortgage-0.05%(3.5)0.30%
John Adams Mortgage Company-0.04%(3.5)0.40%
Finance of America Mortgage-0.04%(3.5)0.85%
Mercantile Bank of Michigan-0.04%(3.5)0.10%
Financial Plus Credit Union-0.04%(3.5)0.10%
NewRez-0.03%(3.5)0.05%
Navy Federal Credit Union-0.03%(3.5)0.05%
Academy Mortgage Corporation Utah-0.03%(3.5)0.55%
Bank of America-0.03%(3.5)0.15%
Platinum Home Mortgage Corporation-0.03%(3.5)0.70%
Ruoff Mortgage-0.02%(3.5)0.30%
Movement Mortgage-0.02%(3.5)0.75%
Amerisave Mortgage Corporation-0.02%(3.5)0.05%
Dort Federal Credit Union-0.01%(3.5)1.05%
Flagstar Bank0.00%(3.5)6.63%
New American Funding0.01%(3.5)0.65%
MiMutual Mortgage0.01%(3.5)1.31%
Ross Mortgage Corporation0.02%(3.5)4.62%
Mr. Cooper0.02%(3.5)0.95%
Fairway Independent Mortgage Corporation0.02%(3.5)0.45%
JPMorgan Chase Bank0.02%(3.5)0.10%
Churchill Mortgage0.02%(3.5)0.80%
Stockton Mortgage0.03%(3.5)1.56%
Cason Home Loans0.04%(3.5)12.41%
Gold Star Mortgage Financial Group0.04%(3.5)1.31%
Independent Bank Michigan0.05%(3.0)1.21%
Carrington Mortgage Services0.06%(3.0)0.60%
emmloans0.09%(3.0)1.81%
Success Mortgage Partners0.09%(3.0)3.92%
Simple Mortgage0.09%(3.0)3.21%
Mid America Mortgage0.11%(3.0)4.52%
Mortgage 1 Inc0.12%(3.0)4.72%
Amerifirst Home Mortgage0.15%(2.5)0.55%
Summit Funding Inc0.21%(2.5)1.26%
Union Home Mortgage0.26%(2.0)6.43%
Lender NameRate DifferenceRate RatingMarket Share
Caliber Home Loans-0.09%(4.0)1.88%
Towne Mortgage Company-0.07%(4.0)2.01%
Huntington National Bank-0.06%(4.0)2.01%
Quicken Loans-0.04%(3.5)49.18%
Mortgage Center-0.03%(3.5)1.25%
Success Mortgage Partners-0.03%(3.5)2.63%
loanDepot-0.03%(3.5)3.26%
PNC Bank-0.03%(3.5)0.63%
NewRez-0.02%(3.5)1.38%
Cason Home Loans-0.01%(3.5)2.89%
Lake Michigan Credit Union0.00%(3.5)0.50%
New American Funding0.00%(3.5)0.50%
Simple Mortgage0.00%(3.5)0.88%
Ruoff Mortgage0.01%(3.5)0.25%
Fifth Third Bank0.01%(3.5)1.51%
Amerisave Mortgage Corporation0.01%(3.5)0.50%
Plaza Home Mortgage0.01%(3.5)0.25%
Financial Plus Credit Union0.02%(3.5)0.13%
Finance of America Mortgage0.02%(3.5)0.25%
TCF Bank0.02%(3.5)0.88%
Platinum Home Mortgage Corporation0.02%(3.5)0.88%
Flagstar Bank0.02%(3.5)0.88%
Sunflower Bank0.02%(3.5)0.13%
Fairway Independent Mortgage Corporation0.03%(3.5)0.63%
Stockton Mortgage0.03%(3.5)0.25%
emmloans0.03%(3.5)1.38%
Academy Mortgage Corporation Utah0.03%(3.5)0.25%
CIBM Bank0.03%(3.5)0.25%
Lakeview Loan Servicing0.04%(3.5)1.88%
VanDyk Mortgage Corporation0.04%(3.5)0.13%
PennyMac Loan Services0.04%(3.5)1.63%
Gold Star Mortgage Financial Group0.05%(3.5)0.13%
Dart Bank0.05%(3.5)0.38%
Cardinal Financial Company0.05%(3.5)0.50%
Independent Bank Michigan0.05%(3.0)0.25%
Union Home Mortgage0.05%(3.0)1.13%
Mortgage 1 Inc0.05%(3.0)0.88%
Summit Funding Inc0.06%(3.0)0.25%
Mid America Mortgage0.06%(3.0)0.88%
JPMorgan Chase Bank0.07%(3.0)0.38%
Amerifirst Home Mortgage0.08%(3.0)0.38%
Ross Mortgage Corporation0.08%(3.0)1.51%
Cherry Creek Mortgage0.09%(3.0)0.38%
Carrington Mortgage Services0.09%(3.0)4.14%
Freedom Mortgage Corporation0.09%(3.0)1.38%
MiMutual Mortgage0.09%(3.0)1.00%
Mr. Cooper0.22%(2.5)5.40%
Lender NameRate DifferenceRate RatingMarket Share
The State Bank-0.02%(3.5)18.75%
Bank of America-0.01%(3.5)8.33%
Movement Mortgage-0.00%(3.5)2.08%
MSU Federal Credit Union-0.00%(3.5)2.08%
Fifth Third Bank-0.00%(3.5)6.25%
PNC Bank-0.00%(3.5)14.58%
Huntington National Bank0.00%(3.5)6.25%
Flagstar Bank0.00%(3.5)2.08%
Lake Michigan Credit Union0.00%(3.5)8.33%
John Adams Mortgage Company0.00%(3.5)2.08%
JPMorgan Chase Bank0.01%(3.5)12.50%
Independent Bank Michigan0.01%(3.5)4.17%
NewRez0.01%(3.5)2.08%
Wells Fargo Bank0.01%(3.5)2.08%
Dart Bank0.03%(3.5)6.25%
Plaza Home Mortgage0.03%(3.5)2.08%
Lender NameRate DifferenceRate RatingMarket Share
PNC Bank-0.02%(3.5)10.53%
The State Bank-0.02%(3.5)10.53%
Bank of America-0.01%(3.5)15.79%
Fifth Third Bank-0.00%(3.5)10.53%
Movement Mortgage-0.00%(3.5)5.26%
MSU Federal Credit Union-0.00%(3.5)5.26%
Lake Michigan Credit Union0.00%(3.5)5.26%
JPMorgan Chase Bank0.00%(3.5)5.26%
Independent Bank Michigan0.01%(3.5)5.26%
NewRez0.01%(3.5)5.26%
Wells Fargo Bank0.01%(3.5)5.26%
Dart Bank0.02%(3.5)10.53%
Plaza Home Mortgage0.03%(3.5)5.26%
Lender NameRate DifferenceRate RatingMarket Share
The State Bank-0.02%(3.5)24.14%
Bank of America-0.01%(3.5)3.45%
Huntington National Bank0.00%(3.5)10.34%
Fifth Third Bank0.00%(3.5)3.45%
Flagstar Bank0.00%(3.5)3.45%
Lake Michigan Credit Union0.00%(3.5)10.34%
John Adams Mortgage Company0.01%(3.5)3.45%
JPMorgan Chase Bank0.01%(3.5)17.24%
PNC Bank0.01%(3.5)17.24%
Independent Bank Michigan0.01%(3.5)3.45%
Dart Bank0.03%(3.5)3.45%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.23%(4.5)5.40%
USAA-0.13%(4.0)9.90%
Lake Michigan Credit Union-0.07%(4.0)1.01%
loanDepot-0.06%(4.0)3.71%
Lakeview Loan Servicing-0.06%(4.0)0.90%
PennyMac Loan Services-0.06%(4.0)1.46%
American Portfolio Mortgage-0.05%(3.5)0.79%
Fifth Third Bank-0.04%(3.5)1.01%
Amerisave Mortgage Corporation-0.03%(3.5)0.34%
Towne Mortgage Company-0.03%(3.5)1.35%
TCF Bank-0.03%(3.5)0.79%
Gold Star Mortgage Financial Group-0.03%(3.5)0.56%
VanDyk Mortgage Corporation-0.03%(3.5)1.01%
Wells Fargo Bank-0.03%(3.5)0.56%
CIBM Bank-0.02%(3.5)0.45%
Keller Mortgage-0.02%(3.5)0.11%
New American Funding-0.02%(3.5)0.67%
PNC Bank-0.02%(3.5)0.56%
Dort Federal Credit Union-0.01%(3.5)0.22%
Caliber Home Loans-0.01%(3.5)3.26%
Northpointe Bank-0.01%(3.5)0.11%
Platinum Home Mortgage Corporation-0.01%(3.5)0.22%
John Adams Mortgage Company-0.01%(3.5)0.11%
Huntington National Bank-0.01%(3.5)2.25%
Dart Bank-0.01%(3.5)1.35%
NewRez-0.01%(3.5)0.34%
Finance of America Mortgage-0.01%(3.5)0.11%
Sunflower Bank-0.00%(3.5)1.12%
Mortgage Center-0.00%(3.5)0.79%
Fairway Independent Mortgage Corporation-0.00%(3.5)0.11%
Plaza Home Mortgage-0.00%(3.5)1.24%
Bank of America-0.00%(3.5)0.11%
ELGA Credit Union-0.00%(3.5)0.11%
Summit Funding Inc-0.00%(3.5)0.67%
emmloans0.00%(3.5)0.79%
Churchill Mortgage0.00%(3.5)0.67%
Ruoff Mortgage0.01%(3.5)0.22%
Mid America Mortgage0.01%(3.5)1.69%
Success Mortgage Partners0.01%(3.5)2.14%
Academy Mortgage Corporation Utah0.01%(3.5)0.45%
JPMorgan Chase Bank0.01%(3.5)0.56%
Cherry Creek Mortgage0.01%(3.5)0.90%
Movement Mortgage0.02%(3.5)0.34%
Stockton Mortgage0.02%(3.5)1.01%
Cardinal Financial Company0.02%(3.5)0.34%
Ross Mortgage Corporation0.02%(3.5)3.26%
Independent Bank Michigan0.02%(3.5)1.01%
Flagstar Bank0.03%(3.5)6.30%
Amerifirst Home Mortgage0.03%(3.5)0.56%
Simple Mortgage0.03%(3.5)1.24%
Mortgage 1 Inc0.03%(3.5)3.37%
Cason Home Loans0.04%(3.5)4.50%
MiMutual Mortgage0.06%(3.0)1.12%
Carrington Mortgage Services0.07%(3.0)1.57%
Quicken Loans0.07%(3.0)15.97%
Freedom Mortgage Corporation0.08%(3.0)3.37%
Mr. Cooper0.10%(3.0)1.24%
Union Home Mortgage0.18%(2.5)4.61%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.25%(4.5)8.00%
USAA-0.12%(4.0)13.33%
Lake Michigan Credit Union-0.07%(4.0)1.52%
Freedom Mortgage Corporation-0.05%(4.0)1.52%
American Portfolio Mortgage-0.04%(3.5)1.33%
Fifth Third Bank-0.03%(3.5)0.95%
Gold Star Mortgage Financial Group-0.03%(3.5)0.76%
VanDyk Mortgage Corporation-0.02%(3.5)1.33%
Mortgage Center-0.02%(3.5)0.57%
Wells Fargo Bank-0.02%(3.5)0.95%
CIBM Bank-0.02%(3.5)0.57%
TCF Bank-0.01%(3.5)0.57%
Towne Mortgage Company-0.01%(3.5)1.33%
New American Funding-0.01%(3.5)0.38%
Keller Mortgage-0.01%(3.5)0.19%
Caliber Home Loans-0.01%(3.5)3.24%
PNC Bank-0.01%(3.5)0.76%
PennyMac Loan Services-0.01%(3.5)0.38%
Dort Federal Credit Union-0.00%(3.5)0.19%
Northpointe Bank-0.00%(3.5)0.19%
Platinum Home Mortgage Corporation-0.00%(3.5)0.38%
John Adams Mortgage Company-0.00%(3.5)0.19%
Dart Bank0.00%(3.5)1.71%
Huntington National Bank0.00%(3.5)2.48%
Finance of America Mortgage0.00%(3.5)0.19%
Cardinal Financial Company0.00%(3.5)0.19%
loanDepot0.01%(3.5)0.57%
Fairway Independent Mortgage Corporation0.01%(3.5)0.19%
NewRez0.01%(3.5)0.38%
emmloans0.01%(3.5)0.76%
Bank of America0.01%(3.5)0.19%
ELGA Credit Union0.01%(3.5)0.19%
Sunflower Bank0.01%(3.5)0.76%
Plaza Home Mortgage0.01%(3.5)1.71%
Ruoff Mortgage0.02%(3.5)0.38%
JPMorgan Chase Bank0.02%(3.5)0.57%
Cherry Creek Mortgage0.02%(3.5)1.52%
Mid America Mortgage0.02%(3.5)2.10%
Stockton Mortgage0.02%(3.5)1.33%
Academy Mortgage Corporation Utah0.03%(3.5)0.57%
Churchill Mortgage0.03%(3.5)0.57%
Movement Mortgage0.03%(3.5)0.19%
Success Mortgage Partners0.04%(3.5)2.10%
Mr. Cooper0.04%(3.5)0.38%
Ross Mortgage Corporation0.04%(3.5)4.95%
Independent Bank Michigan0.04%(3.5)1.14%
Summit Funding Inc0.04%(3.5)0.38%
Simple Mortgage0.05%(3.0)1.71%
Amerifirst Home Mortgage0.05%(3.0)0.76%
Mortgage 1 Inc0.06%(3.0)4.19%
Cason Home Loans0.06%(3.0)5.90%
Flagstar Bank0.06%(3.0)7.62%
Carrington Mortgage Services0.08%(3.0)0.57%
MiMutual Mortgage0.09%(3.0)1.52%
Quicken Loans0.09%(3.0)6.67%
Union Home Mortgage0.22%(2.5)6.86%
Lender NameRate DifferenceRate RatingMarket Share
USAA-0.11%(4.0)4.95%
loanDepot-0.08%(4.0)8.24%
Navy Federal Credit Union-0.08%(4.0)1.65%
PennyMac Loan Services-0.08%(4.0)3.02%
Lakeview Loan Servicing-0.07%(4.0)2.20%
Towne Mortgage Company-0.07%(4.0)1.37%
Flagstar Bank-0.06%(4.0)4.40%
TCF Bank-0.05%(4.0)1.10%
Fifth Third Bank-0.05%(3.5)1.10%
Amerisave Mortgage Corporation-0.05%(3.5)0.82%
Plaza Home Mortgage-0.05%(3.5)0.55%
Ross Mortgage Corporation-0.03%(3.5)0.82%
New American Funding-0.03%(3.5)1.10%
Summit Funding Inc-0.03%(3.5)1.10%
Dort Federal Credit Union-0.03%(3.5)0.27%
Churchill Mortgage-0.03%(3.5)0.82%
VanDyk Mortgage Corporation-0.03%(3.5)0.55%
CIBM Bank-0.03%(3.5)0.27%
Lake Michigan Credit Union-0.03%(3.5)0.27%
Success Mortgage Partners-0.02%(3.5)2.20%
Academy Mortgage Corporation Utah-0.02%(3.5)0.27%
PNC Bank-0.02%(3.5)0.27%
MiMutual Mortgage-0.02%(3.5)0.55%
NewRez-0.02%(3.5)0.27%
Gold Star Mortgage Financial Group-0.02%(3.5)0.27%
Amerifirst Home Mortgage-0.02%(3.5)0.27%
Sunflower Bank-0.02%(3.5)1.65%
Mortgage 1 Inc-0.02%(3.5)2.20%
Huntington National Bank-0.02%(3.5)1.92%
Cason Home Loans-0.02%(3.5)2.47%
Independent Bank Michigan-0.02%(3.5)0.82%
Simple Mortgage-0.02%(3.5)0.55%
Mid America Mortgage-0.02%(3.5)1.10%
Caliber Home Loans-0.01%(3.5)3.30%
Dart Bank-0.01%(3.5)0.82%
emmloans-0.01%(3.5)0.82%
JPMorgan Chase Bank-0.00%(3.5)0.55%
Mortgage Center0.00%(3.5)1.10%
Movement Mortgage0.00%(3.5)0.55%
Union Home Mortgage0.01%(3.5)1.37%
Cardinal Financial Company0.02%(3.5)0.55%
Stockton Mortgage0.02%(3.5)0.55%
Carrington Mortgage Services0.05%(3.0)3.02%
Quicken Loans0.05%(3.0)29.40%
Mr. Cooper0.10%(3.0)2.47%
Freedom Mortgage Corporation0.12%(3.0)6.04%

* Data is compiled for the Lansing, MI commuting zone area, which comprises of counties of Clinton County, MI, Eaton County, MI, Genesee County, MI, Ingham County, MI, and Shiawassee County, MI. This includes cities/towns/communities of Lansing, MI as well as Holt, MI, Okemos, MI, Burton, MI, Waverly, MI, Haslett, MI, Owosso, MI, Charlotte, MI, Fenton, MI, DeWitt, MI, Lake Fenton, MI, Flint, MI, Goodrich, MI, East Lansing, MI, Williamston, MI, Grand Ledge, MI, St. Johns, MI, Flushing, MI, Mason, MI, Wacousta, MI, Grand Blanc, MI, Laingsburg, MI, Linden, MI, Argentine, MI, Webberville, MI, Morrice, MI, Dansville, MI, New Lothrop, MI, Swartz Creek, MI, Gaines, MI, Eaton Rapids, MI, Davison, MI, Dimondale, MI, Bath, MI, Bancroft, MI, Lake Victoria, MI, East Lansing, MI, Bellevue, MI, Westphalia, MI, Leslie, MI, Durand, MI, Potterville, MI, Olivet, MI, Mulliken, MI, Byron, MI, Ovid, MI, Middletown, MI, Vermontville, MI, Ovid, MI, Lennon, MI, and Vernon, MI. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

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