Safe Rate Rankings

Best Conventional Mortgage Lenders in Flint

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ 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 Lenders67

Total Loans4,267

Median Rate Spread0.55%

Flint Market Insights

Lake Michigan Credit Union is Safe Rate's top-ranked Conventional lender in Flint, leading on pricing, pullthrough, Conventional product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Flint, The State Bank and Lake Michigan Credit Union scores highest on Conventional pricing while Rocket Mortgage and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #2 in Flint, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Flint: Rocket Mortgage (#3) and Preston Home Loans (#28).

Explore Rankings by Type

Overall Rankings

All lenders in Flint

Need rankings for a different loan product?

FHA Loans VA Loans USDA Loans

By Institution Type

Banks Credit Unions Mortgage Companies

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	LAKE MICHIGAN CREDIT UNION Credit UnionDirect	Exceptional	Exceptional	Exceptional	Exceptional	Strong	$1,030Fees	0.072%Above	78
2	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$2,285Fees	0.476%Above	461
3	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$3,099Fees	0.576%Above	587
4	The Huntington National Bank BankDirect	Strong	Strong	Exceptional	Strong	Strong	$370Fees	0.515%Above	102
5	The Dart Bank BankDirect	Strong	Strong	Exceptional	Strong	Strong	$1,492Fees	0.350%Above	69
6	ELGA CREDIT UNION Credit UnionDirect	Strong	Strong	Sound	Strong	Exceptional	$1,013Fees	0.376%Above	123
7	The State Bank BankDirect	Strong	Exceptional	Sound	Strong	Strong	$786Fees	0.034%Above	72
8	Frankenmuth Credit Union Credit UnionDirect	Strong	Strong	Strong	Exceptional	Sound	$1,331Fees	0.257%Above	24
9	Dort Financial Credit Union Credit UnionDirect	Strong	Sound	Strong	Exceptional	Exceptional	$573Fees	0.221%Above	167
10	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,040Fees	0.343%Above	57
11	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Sound	$640Fees	0.279%Below	18
12	First State Bank BankDirect	Strong	Sound	Strong	Strong	Strong	$1,363Fees	0.363%Above	104
13	STAUNTON FINANCIAL, INC. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Exceptional	Strong	$1,590Fees	0.405%Above	44
14	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$1,462Fees	0.598%Above	80
15	First Merchants Bank BankDirect	Strong	Strong	Exceptional	Strong	Sound	$1,122Fees	0.277%Above	20
16	Independent Bank BankDirect	Strong	Strong	Strong	Strong	Sound	$1,438Fees	0.316%Above	20
17	DAS Acquisition Company, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,011Fees	0.785%Above	108
18	FINANCIAL PLUS CREDIT UNION Credit UnionDirect	Strong	Exceptional	Sound	Sound	Strong	$255Fees	0.311%Above	50
19	J. VIRGIL, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	Exceptional	$2,573Fees	0.687%Above	282
20	MORTGAGE 1 INCORPORATED Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,792Fees	0.820%Above	95
21	TOWNE MORTGAGE COMPANY Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$1,427Fees	0.355%Above	47
22	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	$3,168Fees	0.469%Above	27
23	Genisys Credit Union Credit UnionDirect	Strong	Sound	Strong	Sound	Strong	$787Fees	0.132%Above	79
24	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$2,134Fees	0.698%Above	25
25	MORTGAGE CENTER L.C Independent Mortgage CompanyDirect	Strong	Strong	Strong	Strong	Sound	$1,256Fees	0.177%Above	15
26	MICHIGAN STATE UNIVERSITY Federal Credit Union Credit UnionDirect	Strong	Strong	Strong	Strong	Sound	$1,029Fees	0.255%Above	12
27	MICHIGAN SCHOOLS AND GOVERNMENT Credit UnionDirect	Strong	Strong	Strong	Strong	Sound	$768Fees	0.158%Below	12
28	PRESTON HOME LOANS INC Independent Mortgage CompanyDirect	Strong	Mediocre	Strong	Strong	Exceptional	$2,659Fees	0.891%Above	397
29	UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,267Fees	0.995%Above	49
30	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,606Fees	1.013%Above	49
31	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$802Fees	0.535%Above	29
32	Fifth Third Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Sound	$1,468Fees	0.217%Above	16
33	Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$2,506Fees	0.360%Above	39
34	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Sound	Strong	$2,095Fees	0.628%Above	50
35	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Strong	Strong	Sound	Sound	$1,488Fees	0.379%Above	22
36	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$3,236Fees	0.607%Above	20
37	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$908Fees	0.782%Above	18
38	ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	$1,041Fees	0.505%Above	13
39	BLG HOLDINGS, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	Exceptional	$3,060Fees	0.669%Above	154
40	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Sound	Strong	$3,151Fees	0.868%Above	49
41	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Sound	$2,200Fees	0.307%Above	30
42	PLAZA HOME MORTGAGE, INC. Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Strong	Sound	$2,147Fees	0.572%Above	21
43	MICHIGAN FIRST CREDIT UNION Credit UnionDirect	Sound	Strong	Strong	Strong	Sound	$1,030Fees	0.317%Above	12
44	FIRST COMMUNITY MORTGAGE, INC. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$2,542Fees	0.958%Above	12
45	Sunflower Bank, National Association BankDirect	Sound	Acceptable	Strong	Strong	Sound	$1,909Fees	0.335%Above	24
46	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Sound	$2,553Fees	0.983%Above	33
47	INSPIRE HOME LOANS INC. Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	Sound	$2,804Fees	0.706%Above	25
48	ChoiceOne Bank BankDirect	Sound	Strong	Strong	Sound	Sound	$841Fees	0.237%Below	11
49	Plains Commerce Bank BankWholesale	Sound	Acceptable*	Exceptional	Strong	Acceptable	$2,039Fees	0.708%Above	10
50	CREDIT UNION ONE Credit UnionDirect	Sound	Strong	Strong	Sound	Sound	$277Fees	0.326%Above	10

❓ Frequently Asked Questions

How are mortgage lenders ranked in Flint, MI?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Flint, MI), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Flint, MI?+

Based on 2024 HMDA data, 67 lenders originated a combined 4,267 loans in Flint, MI. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Flint, MI?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Flint, MI is 0.55%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Flint, MI's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.