Safe Rate Rankings

Best Conventional Mortgage Lenders in Detroit

Updated May 19, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders127

Total Loans16,726

Median Rate Spread0.47%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	LAKE MICHIGAN CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Exceptional	Strong	$1,059Fees	0.003%Above	278
2	The Huntington National BankBank	Exceptional	Strong	Exceptional	Strong	Exceptional	$337Credit	0.247%Above	427
3	STAUNTON FINANCIAL, INC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$1,819Fees	0.367%Above	424
4	MICHIGAN FIRST CREDIT UNIONCredit Union	Exceptional	Strong	Strong	Strong	Exceptional	$1,256Fees	0.389%Above	268
5	First Merchants BankBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,152Fees	0.183%Above	225
6	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,103Fees	0.005%Above	184
7	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$241Fees	0.460%Below	69
8	Independent BankBank	Exceptional	Strong	Strong	Strong	Strong	$1,203Fees	0.337%Above	166
9	Citizens Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$478Credit	0.088%Above	158
10	MORTGAGE CENTER L.CIndependent Mortgage Company	Exceptional	Strong	Strong	Strong	Strong	$1,147Fees	0.241%Above	147
11	MICHIGAN SCHOOLS AND GOVERNMENTCredit Union	Exceptional	Strong	Strong	Strong	Strong	$698Fees	0.283%Below	113
12	PNC Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$559Credit	0.275%Above	64
13	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$178Fees	0.149%Above	54
14	VIBE CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Sound	Strong	$913Fees	0.169%Above	54
15	The Dart BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,321Fees	0.343%Above	39
16	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,262Fees	0.571%Above	3,431
17	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,694Fees	0.466%Above	3,175
18	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$1,542Fees	0.379%Above	402
19	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,020Fees	0.498%Above	99
20	CREDIT UNION ONECredit Union	Strong	Strong	Strong	Sound	Strong	$320Fees	0.572%Above	60
21	Fifth Third Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$147Credit	0.483%Above	58
22	Dearborn Federal Savings BankBank	Strong	Exceptional	Acceptable	Sound	Strong	$473Fees	0.203%Below	35
23	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,830Fees	0.621%Above	621
24	MORTGAGE 1 INCORPORATEDIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,849Fees	0.634%Above	448
25	First State BankBank	Strong	Sound	Strong	Strong	Strong	$1,433Fees	0.226%Above	83
26	RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$1,934Fees	0.489%Above	66
27	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$1,674Fees	0.700%Above	59
28	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$1,454Fees	0.199%Above	40
29	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,298Fees	0.712%Above	380
30	THE MORTGAGE LINK, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Exceptional	$2,451Fees	0.692%Above	348
31	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,215Fees	0.734%Above	246
32	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,974Fees	0.249%Above	228
33	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,842Fees	0.738%Above	204
34	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,909Fees	0.641%Above	172
35	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,398Fees	0.498%Above	139
36	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,285Fees	0.702%Above	129
37	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,044Fees	0.560%Above	99
38	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$1,753Fees	0.478%Above	99
39	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,143Fees	0.768%Above	93
40	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,436Fees	1.201%Above	89
41	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$1,432Fees	0.435%Above	70
42	DFCU FINANCIALCredit Union	Strong	Acceptable	Strong	Sound	Exceptional	$1,902Fees	0.285%Above	295
43	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$1,771Fees	0.722%Above	197
44	MICHIGAN MUTUAL, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$1,778Fees	0.641%Above	116
45	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,748Fees	0.823%Above	106
46	Superior National BankBank	Strong	Sound	Sound	Sound	Strong	$1,203Fees	0.312%Above	58
47	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,300Fees	0.615%Above	54
48	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$1,988Fees	0.528%Above	49
49	BLG HOLDINGS, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$3,254Fees	0.622%Above	48
50	Genisys Credit UnionCredit Union	Strong	Sound	Strong	Sound	Sound	$1,010Fees	0.173%Above	46

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.