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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 Jumbo Mortgage Lenders in Michigan
Updated February 6, 2026
Market Overview
309
Total Lenders
112,266
Total Loans
0.41%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,268 | +0.012% | 684 | |
2 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $128 | +0.124% | 373 | |
3 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,402 | +0.155% | 274 | |
4 | LAKE MICHIGAN CREDIT UNION | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,074 | -0.051% | 6,220 | |
5 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $668 | +0.326% | 1,528 | |
6 | Genisys Credit Union | Exceptional | Strong | Strong | Exceptional | Exceptional | $938 | +0.149% | 810 | |
7 | CONSUMERS CREDIT UNION | Exceptional | Strong | Strong | Strong | Exceptional | $1,329 | +0.288% | 1,200 | |
8 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,071 | +0.334% | 923 | |
9 | MICHIGAN STATE UNIVERSITY Federal Credit Union | Exceptional | Strong | Strong | Strong | Exceptional | $1,207 | +0.262% | 841 | |
10 | Old National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $599 | +0.012% | 640 | |
11 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $417 | +0.100% | 427 | |
12 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,231 | +0.414% | 14,800 | |
13 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,007 | +0.426% | 14,284 | |
14 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,775 | +0.318% | 2,049 | |
15 | STAUNTON FINANCIAL, INC. | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,965 | +0.335% | 1,989 | |
16 | Mercantile Bank | Exceptional | Strong | Strong | Sound | Exceptional | $919 | +0.239% | 1,395 | |
17 | MICHIGAN SCHOOLS AND GOVERNMENT | Exceptional | Strong | — | Strong | Exceptional | $642 | -0.310% | 1,084 | |
18 | MORTGAGE CENTER L.C | Exceptional | Strong | — | Strong | Exceptional | $1,210 | +0.126% | 923 | |
19 | MICHIGAN FIRST CREDIT UNION | Exceptional | Strong | Sound | Strong | Exceptional | $1,362 | +0.321% | 777 | |
20 | Honor Credit Union | Exceptional | Strong | — | Strong | Exceptional | $936 | +0.240% | 485 | |
21 | UNITED FEDERAL CREDIT UNION | Exceptional | Strong | Strong | Strong | Strong | $1,415 | +0.183% | 401 | |
22 | The Dart Bank | Strong | Sound | Strong | Strong | Exceptional | $1,638 | +0.214% | 1,842 | |
23 | PNC Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | -$210 | +0.193% | 526 | |
24 | OAK MORTGAGE, LLC | Strong | Strong | — | Strong | Strong | $1,125 | +0.239% | 308 | |
25 | Isabella Bank | Strong | Strong | Strong | Sound | Strong | $895 | -0.177% | 255 | |
26 | The Huntington National Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $243 | +0.391% | 3,007 | |
27 | First Merchants Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,114 | +0.184% | 1,106 | |
28 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Sound | Strong | Sound | Exceptional | $2,352 | +0.553% | 991 | |
29 | GreenStone Farm Credit Services, FLCA | Strong | Acceptable | Strong | Exceptional | Exceptional | $2,249 | +0.765% | 721 | |
30 | Superior National Bank | Strong | Sound | — | Strong | Exceptional | $1,053 | +0.378% | 520 | |
31 | Horizon Bank | Strong | Sound | Strong | Strong | Strong | $1,645 | +0.369% | 275 | |
32 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,411 | +0.709% | 1,686 | |
33 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,527 | +0.442% | 573 | |
34 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Strong | Sound | Exceptional | $3,000 | +0.809% | 2,797 | |
35 | ChoiceOne Bank | Strong | Sound | — | Sound | Strong | $1,003 | +0.171% | 352 | |
36 | Flagstar Bank, N.A. | Strong | Mediocre | Exceptional | Sound | Exceptional | $1,816 | +0.487% | 2,869 | |
37 | Independent Bank | Strong | Mediocre | Strong | Strong | Exceptional | $1,136 | +0.254% | 1,300 |
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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