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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 Detroit
Updated February 5, 2026
Market Overview
127
Total Lenders
16,726
Total Loans
0.47%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | LAKE MICHIGAN CREDIT UNION | Exceptional | Exceptional | Exceptional | Strong | $1,059 | +0.003% | 278 | |
2 | The Huntington National Bank | Exceptional | Strong | Strong | Exceptional | -$337 | +0.247% | 427 | |
3 | MICHIGAN FIRST CREDIT UNION | Exceptional | Strong | Strong | Exceptional | $1,256 | +0.389% | 268 | |
4 | VIBE CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $913 | +0.169% | 54 | |
5 | Dearborn Federal Savings Bank | Exceptional | Exceptional | Sound | Strong | $473 | -0.203% | 35 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,262 | +0.571% | 3,431 | |
7 | STAUNTON FINANCIAL, INC. | Strong | Sound | Exceptional | Exceptional | $1,819 | +0.367% | 424 | |
8 | First Merchants Bank | Strong | Strong | Strong | Strong | $1,152 | +0.183% | 225 | |
9 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,103 | +0.005% | 184 | |
10 | Independent Bank | Strong | Strong | Strong | Strong | $1,203 | +0.337% | 166 | |
11 | Citizens Bank, National Association | Strong | Strong | Strong | Strong | -$478 | +0.088% | 158 | |
12 | MORTGAGE CENTER L.C | Strong | Strong | Strong | Strong | $1,147 | +0.241% | 147 | |
13 | MICHIGAN SCHOOLS AND GOVERNMENT | Strong | Strong | Strong | Strong | $698 | -0.283% | 113 | |
14 | NAVY FEDERAL CREDIT UNION | Strong | Exceptional | Sound | Sound | $241 | -0.460% | 69 | |
15 | PNC Bank, National Association | Strong | Strong | Strong | Sound | -$559 | +0.275% | 64 | |
16 | COMMUNITY FINANCIAL CREDIT UNION | Strong | Strong | Sound | Strong | $1,341 | +0.133% | 63 | |
17 | CREDIT UNION ONE | Strong | Strong | Sound | Strong | $320 | +0.572% | 60 | |
18 | Fifth Third Bank, National Association | Strong | Strong | Strong | Sound | -$147 | +0.483% | 58 | |
19 | U.S. Bank National Association | Strong | Strong | Strong | Sound | $178 | +0.149% | 54 | |
20 | The Dart Bank | Strong | Strong | Strong | Sound | $1,321 | +0.343% | 39 | |
21 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,694 | +0.466% | 3,175 | |
22 | MORTGAGE 1 INCORPORATED | Strong | Acceptable | Exceptional | Exceptional | $2,849 | +0.634% | 448 | |
23 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,542 | +0.379% | 402 | |
24 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $1,974 | +0.249% | 228 | |
25 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,020 | +0.498% | 99 | |
26 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $1,753 | +0.478% | 99 | |
27 | First State Bank | Strong | Sound | Strong | Strong | $1,433 | +0.226% | 83 | |
28 | Superior National Bank | Strong | Sound | Strong | Strong | $1,203 | +0.312% | 58 | |
29 | University Bank | Strong | Sound | Exceptional | Sound | $1,589 | +0.575% | 44 | |
30 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Exceptional | $1,830 | +0.621% | 621 | |
31 | THE MORTGAGE LINK, INC. | Strong | Acceptable | Strong | Exceptional | $2,451 | +0.692% | 348 | |
32 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $2,842 | +0.738% | 204 | |
33 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $3,909 | +0.641% | 172 | |
34 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,285 | +0.702% | 129 | |
35 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $2,143 | +0.768% | 93 | |
36 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $1,432 | +0.435% | 70 | |
37 | RUOFF MORTGAGE COMPANY, INC. | Strong | Sound | Strong | Sound | $1,934 | +0.489% | 66 | |
38 | Genisys Credit Union | Strong | Sound | Strong | Sound | $1,010 | +0.173% | 46 | |
39 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,298 | +0.712% | 380 | |
40 | DFCU FINANCIAL | Strong | Acceptable | Sound | Exceptional | $1,902 | +0.285% | 295 | |
41 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Strong | Strong | $2,215 | +0.734% | 246 | |
42 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $1,296 | +1.086% | 191 | |
43 | ROSS MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $1,922 | +0.506% | 177 | |
44 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $1,398 | +0.498% | 139 | |
45 | MICHIGAN MUTUAL, INC. | Strong | Acceptable | Strong | Strong | $1,778 | +0.641% | 116 | |
46 | Equity Prime Mortgage LLC | Strong | Acceptable | Strong | Strong | $2,954 | +1.349% | 108 | |
47 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,044 | +0.560% | 99 | |
48 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | $1,436 | +1.201% | 89 | |
49 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $1,300 | +0.615% | 54 | |
50 | RESICENTRAL, LLC | Strong | Sound | Sound | Sound | $665 | +1.104% | 44 |
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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