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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 Mortgage Lenders in Bay City
Updated February 6, 2026
Market Overview
24
Total Lenders
879
Total Loans
0.51%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | FINANCIAL PLUS CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $51 | +0.356% | 22 | |
2 | STAUNTON FINANCIAL, INC. | Strong | Sound | Exceptional | Exceptional | $2,467 | +0.851% | 142 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $1,896 | +0.446% | 89 | |
4 | The Huntington National Bank | Strong | Strong | Strong | Strong | $215 | +0.595% | 46 | |
5 | Independent Bank | Strong | Strong | Strong | Strong | $802 | +0.238% | 41 | |
6 | Frankenmuth Credit Union | Strong | Strong | Strong | Strong | $987 | +0.208% | 40 | |
7 | DOW CREDIT UNION | Strong | Strong | Sound | Strong | $173 | +0.632% | 31 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,786 | +0.687% | 137 | |
9 | FinancialEdge Community Credit Union | Strong | Strong | Acceptable | Strong | $751 | +0.474% | 23 | |
10 | SUNRISE FAMILY CREDIT UNION | Strong | Strong | Acceptable | Strong | $415 | +0.536% | 23 | |
11 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | $2,458 | +0.612% | 65 | |
12 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $1,991 | +0.715% | 37 | |
13 | JOLT CREDIT UNION | Strong | Strong | Mediocre | Strong | $1,962 | +0.176% | 31 | |
14 | PRESTON HOME LOANS INC | Sound | Mediocre | Strong | Sound | $1,959 | +0.900% | 20 |
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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