# Best FHA Mortgage Lenders in Detroit

**As of:** 2026-05-19

Compare the top FHA mortgage lenders in Detroit. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/detroit/best-mortgage-lenders/fha-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 127
- **Total Loans:** 16,726
- **Median Rate Spread:** 0.469192%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | The Huntington National Bank | 89 | 75 | 65 | 427 | Bank |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 3,431 | Independent Mortgage Company |
| 3 | FREEDOM MORTGAGE CORPORATION | 85 | 65 | 62 | 99 | Independent Mortgage Company |
| 4 | Flagstar Bank, N.A. | 83 | 58 | 71 | 621 | Bank |
| 5 | LAKE MICHIGAN CREDIT UNION | 80 | 79 | 71 | 278 | Credit Union |
| 6 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 3,175 | Independent Mortgage Company |
| 7 | MICHIGAN FIRST CREDIT UNION | 79 | 58 | 63 | 268 | Credit Union |
| 8 | Independent Bank | 79 | 83 | 57 | 166 | Bank |
| 9 | THE LOAN STORE, INC. | 79 | 49 | 72 | 139 | Independent Mortgage Company |
| 10 | MICHIGAN MUTUAL, INC. | 79 | 43 | 69 | 116 | Independent Mortgage Company |
| 11 | LOANDEPOT.COM, LLC | 79 | 59 | 68 | 99 | Independent Mortgage Company |
| 12 | University Bank | 79 | 66 | 85 | 44 | Bank |
| 13 | STAUNTON FINANCIAL, INC. | 75 | 40 | 90 | 424 | Independent Mortgage Company |
| 14 | THE MORTGAGE LINK, INC. | 75 | 23 | 80 | 348 | Independent Mortgage Company |
| 15 | UNION HOME MORTGAGE CORP. | 75 | 22 | 80 | 204 | Independent Mortgage Company |
| 16 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 75 | 22 | 82 | 172 | Independent Mortgage Company |
| 17 | First Merchants Bank | 74 | 63 | 55 | 225 | Bank |
| 18 | Citizens Bank, National Association | 74 | 74 | 54 | 158 | Bank |
| 19 | First State Bank | 74 | 53 | 78 | 83 | Bank |
| 20 | NEWREZ LLC | 73 | 52 | 56 | 197 | Independent Mortgage Company |
| 21 | PENNYMAC LOAN SERVICES, LLC | 73 | 78 | 59 | 70 | Independent Mortgage Company |
| 22 | Fifth Third Bank, National Association | 73 | 72 | 58 | 58 | Bank |
| 23 | U.S. Bank National Association | 73 | 65 | 60 | 54 | Bank |
| 24 | Plains Commerce Bank | 73 | 47 | 66 | 49 | Bank |
| 25 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 71 | 28 | 66 | 246 | Independent Mortgage Company |
| 26 | GUARANTEED RATE, INC. | 71 | 38 | 68 | 228 | Independent Mortgage Company |
| 27 | CMG MORTGAGE, INC. | 71 | 32 | 79 | 129 | Independent Mortgage Company |
| 28 | Equity Prime Mortgage LLC | 71 | 22 | 63 | 108 | Independent Mortgage Company |
| 29 | MOVEMENT MORTGAGE, LLC | 71 | 30 | 79 | 93 | Independent Mortgage Company |
| 30 | AMERICAN FINANCIAL NETWORK, INC. | 71 | 25 | 69 | 89 | Independent Mortgage Company |
| 31 | FIRST COMMUNITY MORTGAGE, INC. | 70 | 33 | 84 | 54 | Independent Mortgage Company |
| 32 | JPMorgan Chase Bank, National Association | 69 | 59 | 47 | 402 | Bank |
| 33 | PNC Bank, National Association | 69 | 62 | 56 | 64 | Bank |
| 34 | Superior National Bank | 69 | 57 | 66 | 58 | Bank |
| 35 | ROSS MORTGAGE CORPORATION | 67 | 27 | 71 | 177 | Independent Mortgage Company |
| 36 | Mortgage Research Center, LLC | 66 | 34 | 54 | 191 | Independent Mortgage Company |
| 37 | RUOFF MORTGAGE COMPANY, INC. | 66 | 36 | 66 | 66 | Independent Mortgage Company |
| 38 | PLAZA HOME MORTGAGE, INC. | 66 | 30 | 65 | 59 | Independent Mortgage Company |
| 39 | ZILLOW HOME LOANS, LLC | 66 | 34 | 67 | 37 | Independent Mortgage Company |
| 40 | MORTGAGE 1 INCORPORATED | 63 | 15 | 79 | 448 | Independent Mortgage Company |
| 41 | Bank of America, National Association | 63 | 35 | 43 | 184 | Bank |
| 42 | CARRINGTON MORTGAGE SERVICES, LLC | 62 | 29 | 56 | 42 | Independent Mortgage Company |
| 43 | AMERISAVE MORTGAGE CORPORATION | 62 | 23 | 45 | 42 | Independent Mortgage Company |
| 44 | MUTUAL OF OMAHA MORTGAGE, INC. | 62 | 36 | 56 | 40 | Independent Mortgage Company |
| 45 | CROSSCOUNTRY MORTGAGE, LLC | 60 | 19 | 69 | 380 | Independent Mortgage Company |
| 46 | SUCCESS MORTGAGE PARTNERS, INC. | 60 | 15 | 75 | 165 | Independent Mortgage Company |
| 47 | NATIONSTAR MORTGAGE LLC | 60 | 13 | 63 | 99 | Independent Mortgage Company |
| 48 | PRESTON HOME LOANS INC | 60 | 11 | 77 | 49 | Independent Mortgage Company |
| 49 | BLG HOLDINGS, INC. | 57 | 12 | 78 | 48 | Independent Mortgage Company |
| 50 | NEW AMERICAN FUNDING, LLC | 56 | 19 | 57 | 106 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Detroit.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.