Safe Rate Rankings

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

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.