🛡️

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 Flint

Updated February 5, 2026

Market Overview

Total Lenders

4,267

Total Loans

0.55%

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	$1,030	+0.072%	78
2	The Huntington National Bank	Exceptional	Strong	Exceptional	Strong	Strong	$370	+0.515%	102
3	The State Bank	Exceptional	Exceptional	Sound	Strong	Strong	$786	+0.034%	72
4	The Dart Bank	Exceptional	Strong	Exceptional	Strong	Strong	$1,492	+0.350%	69
5	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Sound	$640	-0.279%	18
6	Dort Financial Credit Union	Exceptional	Sound	Strong	Exceptional	Exceptional	$573	+0.221%	167
7	ELGA CREDIT UNION	Exceptional	Strong	Sound	Strong	Exceptional	$1,013	+0.376%	123
8	FINANCIAL PLUS CREDIT UNION	Exceptional	Exceptional	Sound	Sound	Strong	$255	+0.311%	50
9	STAUNTON FINANCIAL, INC.	Exceptional	Sound	Exceptional	Exceptional	Strong	$1,590	+0.405%	44
10	Frankenmuth Credit Union	Exceptional	Strong	Strong	Exceptional	Sound	$1,331	+0.257%	24
11	First Merchants Bank	Exceptional	Strong	Exceptional	Strong	Sound	$1,122	+0.277%	20
12	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,099	+0.576%	587
13	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,285	+0.476%	461
14	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Strong	$2,040	+0.343%	57
15	Independent Bank	Strong	Strong	Strong	Strong	Sound	$1,438	+0.316%	20
16	Fifth Third Bank, National Association	Strong	Strong	Exceptional	Sound	Sound	$1,468	+0.217%	16
17	MORTGAGE CENTER L.C	Strong	Strong	Strong	Strong	Sound	$1,256	+0.177%	15
18	MICHIGAN STATE UNIVERSITY Federal Credit Union	Strong	Strong	Strong	Strong	Sound	$1,029	+0.255%	12
19	MICHIGAN FIRST CREDIT UNION	Strong	Strong	Strong	Strong	Sound	$1,030	+0.317%	12
20	MICHIGAN SCHOOLS AND GOVERNMENT	Strong	Strong	Strong	Strong	Sound	$768	-0.158%	12
21	First State Bank	Strong	Sound	Strong	Strong	Strong	$1,363	+0.363%	104
22	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Sound	$3,168	+0.469%	27
23	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Sound	$1,488	+0.379%	22
24	PLAZA HOME MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Sound	$2,147	+0.572%	21
25	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Strong	Sound	$1,041	+0.505%	13
26	ChoiceOne Bank	Strong	Strong	Strong	Sound	Sound	$841	-0.237%	11
27	CREDIT UNION ONE	Strong	Strong	Strong	Sound	Sound	$277	+0.326%	10
28	J. VIRGIL, INC.	Strong	Acceptable	Strong	Strong	Exceptional	$2,573	+0.687%	282
29	BLG HOLDINGS, INC.	Strong	Acceptable	Strong	Strong	Exceptional	$3,060	+0.669%	154
30	DAS Acquisition Company, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,011	+0.785%	108
31	MORTGAGE 1 INCORPORATED	Strong	Acceptable	Exceptional	Strong	Strong	$2,792	+0.820%	95
32	Flagstar Bank, N.A.	Strong	Acceptable	Exceptional	Strong	Strong	$1,462	+0.598%	80
33	Genisys Credit Union	Strong	Sound	Strong	Sound	Strong	$787	+0.132%	79
34	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Strong	$2,267	+0.995%	49
35	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,606	+1.013%	49
36	TOWNE MORTGAGE COMPANY	Strong	Acceptable	Exceptional	Strong	Strong	$1,427	+0.355%	47
37	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Sound	$2,200	+0.307%	30
38	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,095	+0.628%	50
39	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$3,151	+0.868%	49
40	Prosperity Home Mortgage, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,506	+0.360%	39
41	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$2,418	+0.543%	33
42	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,553	+0.983%	33
43	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$802	+0.535%	29
44	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,134	+0.698%	25
45	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,236	+0.607%	20
46	THE LOAN STORE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$908	+0.782%	18
47	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$2,542	+0.958%	12
48	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.	Strong	Acceptable	Exceptional	Strong	Sound	$3,064	+0.849%	11
49	ROSS MORTGAGE CORPORATION	Strong	Acceptable	Strong	Sound	Strong	$2,011	+0.621%	51
50	MICHIGAN MUTUAL, INC.	Strong	Acceptable	Strong	Strong	Sound	$2,895	+0.929%	26

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.

Ready to find your perfect lender?

Get personalized recommendations based on your specific needs

Flint, MIConventional

No credit impact

3-minute process

100% free