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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 FHA 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	The Huntington National Bank	Exceptional	Strong	Exceptional	Strong	Exceptional	-$337	+0.247%	427
2	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,262	+0.571%	3,431
3	Independent Bank	Exceptional	Exceptional	Strong	Sound	Strong	$1,203	+0.337%	166
4	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Strong	$1,753	+0.478%	99
5	Flagstar Bank, N.A.	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,830	+0.621%	621
6	LAKE MICHIGAN CREDIT UNION	Exceptional	Strong	Strong	Strong	Strong	$1,059	+0.003%	278
7	University Bank	Exceptional	Strong	Strong	Exceptional	Sound	$1,589	+0.575%	44
8	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,694	+0.466%	3,175
9	MICHIGAN FIRST CREDIT UNION	Strong	Sound	Strong	Strong	Exceptional	$1,256	+0.389%	268
10	First Merchants Bank	Strong	Strong	Strong	Sound	Strong	$1,152	+0.183%	225
11	Citizens Bank, National Association	Strong	Strong	Strong	Sound	Strong	-$478	+0.088%	158
12	THE LOAN STORE, INC.	Strong	Sound	Exceptional	Strong	Strong	$1,398	+0.498%	139
13	MICHIGAN MUTUAL, INC.	Strong	Sound	Exceptional	Strong	Strong	$1,778	+0.641%	116
14	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,020	+0.498%	99
15	PENNYMAC LOAN SERVICES, LLC	Strong	Strong	Exceptional	Sound	Sound	$1,432	+0.435%	70
16	Fifth Third Bank, National Association	Strong	Strong	Exceptional	Sound	Sound	-$147	+0.483%	58
17	U.S. Bank National Association	Strong	Strong	Exceptional	Sound	Sound	$178	+0.149%	54
18	STAUNTON FINANCIAL, INC.	Strong	Acceptable	Strong	Exceptional	Exceptional	$1,819	+0.367%	424
19	THE MORTGAGE LINK, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,451	+0.692%	348
20	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,842	+0.738%	204
21	NEWREZ LLC	Strong	Sound	Exceptional	Sound	Strong	$1,771	+0.722%	197
22	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,909	+0.641%	172
23	First State Bank	Strong	Sound	Strong	Strong	Strong	$1,433	+0.226%	83
24	PNC Bank, National Association	Strong	Strong	Strong	Sound	Sound	-$559	+0.275%	64
25	Plains Commerce Bank	Strong	Sound	Exceptional	Strong	Sound	$1,988	+0.528%	49
26	JPMorgan Chase Bank, National Association	Strong	Sound	Strong	Sound	Strong	$1,542	+0.379%	402
27	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$2,215	+0.734%	246
28	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$1,974	+0.249%	228
29	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,285	+0.702%	129
30	Equity Prime Mortgage LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,954	+1.349%	108
31	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,143	+0.768%	93
32	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$1,436	+1.201%	89
33	Superior National Bank	Strong	Sound	Sound	Strong	Strong	$1,203	+0.312%	58
34	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	Sound	$1,300	+0.615%	54
35	MORTGAGE 1 INCORPORATED	Strong	Mediocre	Exceptional	Strong	Exceptional	$2,849	+0.634%	448
36	Mortgage Research Center, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$1,296	+1.086%	191
37	ROSS MORTGAGE CORPORATION	Strong	Acceptable	Strong	Strong	Strong	$1,922	+0.506%	177
38	RUOFF MORTGAGE COMPANY, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$1,934	+0.489%	66
39	PLAZA HOME MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$1,674	+0.700%	59
40	ZILLOW HOME LOANS, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,013	+0.886%	37
41	CROSSCOUNTRY MORTGAGE, LLC	Strong	Mediocre	Exceptional	Strong	Strong	$3,298	+0.712%	380
42	Bank of America, National Association	Strong	Acceptable	Strong	Sound	Strong	$1,103	+0.005%	184
43	SUCCESS MORTGAGE PARTNERS, INC.	Strong	Mediocre	Exceptional	Strong	Strong	$3,405	+0.413%	165
44	NATIONSTAR MORTGAGE LLC	Strong	Mediocre	Exceptional	Strong	Strong	$3,044	+0.560%	99
45	PRESTON HOME LOANS INC	Strong	Mediocre	Exceptional	Strong	Strong	$2,351	+0.950%	49
46	CARRINGTON MORTGAGE SERVICES, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$2,969	+0.766%	42
47	AMERISAVE MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Sound	Sound	$3,825	+0.972%	42
48	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Acceptable	Exceptional	Sound	Sound	$1,454	+0.199%	40
49	NEW AMERICAN FUNDING, LLC	Sound	Mediocre	Exceptional	Sound	Strong	$2,748	+0.823%	106
50	BLG HOLDINGS, INC.	Sound	Mediocre	Strong	Strong	Strong	$3,254	+0.622%	48

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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