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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 Flint
Updated February 5, 2026
Market Overview
67
Total Lenders
4,267
Total Loans
0.55%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,285 | +0.476% | 461 | |
2 | Dort Financial Credit Union | Exceptional | Strong | Strong | Strong | Exceptional | $573 | +0.221% | 167 | |
3 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $370 | +0.515% | 102 | |
4 | LAKE MICHIGAN CREDIT UNION | Exceptional | Strong | Strong | Strong | Strong | $1,030 | +0.072% | 78 | |
5 | TOWNE MORTGAGE COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,427 | +0.355% | 47 | |
6 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Sound | $2,506 | +0.360% | 39 | |
7 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $1,276 | +0.970% | 17 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,099 | +0.576% | 587 | |
9 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $1,462 | +0.598% | 80 | |
10 | PENNYMAC LOAN SERVICES, LLC | Strong | Strong | Exceptional | Sound | Sound | $2,200 | +0.307% | 30 | |
11 | GoodLeap, LLC | Strong | Strong | Exceptional | Sound | Sound | $2,559 | +0.451% | 13 | |
12 | First State Bank | Strong | Sound | Strong | Strong | Strong | $1,363 | +0.363% | 104 | |
13 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,095 | +0.628% | 50 | |
14 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,267 | +0.995% | 49 | |
15 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,168 | +0.469% | 27 | |
16 | MICHIGAN MUTUAL, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,895 | +0.929% | 26 | |
17 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Sound | $2,804 | +0.706% | 25 | |
18 | J. VIRGIL, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $2,573 | +0.687% | 282 | |
19 | STAUNTON FINANCIAL, INC. | Strong | Acceptable | Strong | Exceptional | Strong | $1,590 | +0.405% | 44 | |
20 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Acceptable | $2,039 | +0.708% | 10 | |
21 | PRESTON HOME LOANS INC | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,659 | +0.891% | 397 | |
22 | DAS Acquisition Company, LLC | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,011 | +0.785% | 108 | |
23 | ROSS MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $2,011 | +0.621% | 51 | |
24 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $2,418 | +0.543% | 33 | |
25 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $802 | +0.535% | 29 | |
26 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,134 | +0.698% | 25 | |
27 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,147 | +0.572% | 21 | |
28 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,236 | +0.607% | 20 | |
29 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,178 | +1.606% | 15 | |
30 | BLG HOLDINGS, INC. | Strong | Mediocre | Strong | Strong | Exceptional | $3,060 | +0.669% | 154 | |
31 | MORTGAGE 1 INCORPORATED | Strong | Mediocre | Exceptional | Strong | Strong | $2,792 | +0.820% | 95 | |
32 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,606 | +1.013% | 49 | |
33 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Sound | $1,488 | +0.379% | 22 | |
34 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,950 | +0.653% | 21 | |
35 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Sound | $2,900 | +0.824% | 13 | |
36 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Mediocre | Exceptional | Exceptional | Sound | $3,064 | +0.849% | 11 | |
37 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $3,151 | +0.868% | 49 | |
38 | NATIONSTAR MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | Sound | $2,553 | +0.983% | 33 | |
39 | SUCCESS MORTGAGE PARTNERS, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $2,677 | +0.594% | 31 | |
40 | CALCON MUTUAL MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | Sound | $2,927 | +0.587% | 18 | |
41 | Click n' Close, Inc. | Sound | Mediocre | Exceptional | Strong | Sound | $6,075 | +1.640% | 17 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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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