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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 Detroit

Updated February 5, 2026

Market Overview

127

Total Lenders

16,726

Total Loans

0.47%

Median Rate Spread

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

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