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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 Conventional 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | LAKE MICHIGAN CREDIT UNION | Exceptional | Exceptional | Exceptional | Exceptional | Sound | $955 | -0.120% | 13 | |
2 | STAUNTON FINANCIAL, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,467 | +0.851% | 142 | |
3 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $215 | +0.595% | 46 | |
4 | Frankenmuth Credit Union | Exceptional | Strong | Strong | Exceptional | Strong | $987 | +0.208% | 40 | |
5 | Independent Bank | Exceptional | Strong | Strong | Strong | Strong | $802 | +0.238% | 41 | |
6 | DOW CREDIT UNION | Exceptional | Strong | Strong | Strong | Strong | $173 | +0.632% | 31 | |
7 | FINANCIAL PLUS CREDIT UNION | Exceptional | Exceptional | Sound | Sound | Strong | $51 | +0.356% | 22 | |
8 | The Dart Bank | Exceptional | Strong | Exceptional | Strong | Sound | $1,292 | +0.245% | 12 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,786 | +0.687% | 137 | |
10 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,896 | +0.446% | 89 | |
11 | FinancialEdge Community Credit Union | Strong | Strong | Acceptable | Exceptional | Strong | $751 | +0.474% | 23 | |
12 | SUNRISE FAMILY CREDIT UNION | Strong | Strong | Acceptable | Exceptional | Strong | $415 | +0.536% | 23 | |
13 | Mercantile Bank | Strong | Strong | Strong | Strong | Sound | $1,449 | +0.397% | 14 | |
14 | JOLT CREDIT UNION | Strong | Strong | Sound | Sound | Strong | $1,962 | +0.176% | 31 | |
15 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $2,006 | +0.844% | 13 | |
16 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,458 | +0.612% | 65 | |
17 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,991 | +0.715% | 37 | |
18 | BLG HOLDINGS, INC. | Strong | Acceptable | Strong | Strong | Sound | $2,756 | +0.648% | 13 | |
19 | J. VIRGIL, INC. | Strong | Acceptable | Strong | Strong | Sound | $2,381 | +0.739% | 12 | |
20 | PRESTON HOME LOANS INC | Sound | Mediocre | Strong | Strong | Sound | $1,959 | +0.900% | 20 | |
21 | TOP FLITE FINANCIAL, INC. | Sound | Acceptable | Sound | Acceptable | Sound | $2,762 | +0.665% | 10 |
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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