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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 Conventional Mortgage Company Lenders in Michigan

Updated February 6, 2026

Market Overview

Total Lenders

112,266

Total Loans

0.41%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	STAUNTON FINANCIAL, INC.	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$1,965	+0.335%	1,989
2	MORTGAGE CENTER L.C	Exceptional	Strong	Strong	Strong	Exceptional	$1,210	+0.126%	923
3	OAK MORTGAGE, LLC	Exceptional	Strong	Strong	Strong	Strong	$1,125	+0.239%	308
4	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,231	+0.414%	14,800
5	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,007	+0.426%	14,284
6	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,883	+0.420%	670
7	RUOFF MORTGAGE COMPANY, INC.	Strong	Sound	Exceptional	Strong	Strong	$2,074	+0.382%	615
8	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Strong	Strong	$2,148	+0.439%	457
9	PLAZA HOME MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Strong	$2,084	+0.510%	374
10	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Strong	$1,941	+0.309%	282
11	MORTGAGE 1 INCORPORATED	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,750	+0.558%	3,179
12	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,000	+0.809%	2,797
13	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,352	+0.553%	991
14	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$2,071	+0.110%	449
15	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,411	+0.709%	1,686
16	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,071	+0.334%	923
17	MICHIGAN MUTUAL, INC.	Strong	Acceptable	Strong	Strong	Exceptional	$2,282	+0.638%	918
18	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,792	+0.547%	917
19	GreenStone Farm Credit Services, FLCA	Strong	Acceptable	Strong	Strong	Exceptional	$2,249	+0.765%	721
20	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,473	+0.526%	669
21	J. VIRGIL, INC.	Strong	Acceptable	Strong	Strong	Exceptional	$2,772	+0.672%	649
22	THE LOAN STORE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$1,527	+0.442%	573
23	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Strong	$2,191	+0.489%	568
24	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,168	+0.544%	526
25	BLG HOLDINGS, INC.	Strong	Acceptable	Strong	Strong	Exceptional	$3,169	+0.654%	447
26	GVC MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,178	+0.861%	441
27	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$1,590	+0.912%	434
28	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,272	+0.515%	373
29	DAS Acquisition Company, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,966	+0.665%	352
30	TOWNE MORTGAGE COMPANY	Strong	Acceptable	Exceptional	Strong	Strong	$1,928	+0.456%	311
31	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Strong	Strong	$3,731	+0.615%	263
32	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$2,704	+0.557%	246
33	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,308	+0.690%	239
34	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Sound	Exceptional	$1,753	+0.748%	1,673
35	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,204	+0.577%	1,040
36	ROSS MORTGAGE CORPORATION	Strong	Acceptable	Strong	Sound	Exceptional	$2,234	+0.445%	597
37	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,781	+0.747%	547
38	THE MORTGAGE LINK, INC.	Strong	Acceptable	Strong	Strong	Strong	$2,289	+0.652%	507
39	NORTHERN MORTGAGE SERVICES, LLC	Strong	Acceptable	Strong	Strong	Strong	$3,853	+0.390%	431
40	PRESTON HOME LOANS INC	Strong	Mediocre	Strong	Strong	Exceptional	$2,818	+0.840%	989
41	CHURCHILL MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Strong	Strong	$3,708	+0.457%	526
42	VAN DYK MORTGAGE CORPORATION	Strong	Acceptable	Strong	Sound	Strong	$2,405	+0.521%	395
43	AMERICAN PACIFIC MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Strong	Strong	$4,240	+0.734%	242
44	SUCCESS MORTGAGE PARTNERS, INC.	Sound	Mediocre	Strong	Sound	Exceptional	$4,150	+0.565%	866
45	CARRINGTON MORTGAGE SERVICES, LLC	Sound	Acceptable	Strong	Acceptable	Strong	$3,913	+0.474%	327
46	ROYAL UNITED MORTGAGE LLC	Sound	Mediocre	Strong	Strong	Strong	$2,462	+0.804%	267
47	CALCON MUTUAL MORTGAGE LLC	Sound	Mediocre	Strong	Sound	Strong	$3,140	+0.635%	365
48	AMERISAVE MORTGAGE CORPORATION	Sound	Mediocre	Strong	Acceptable	Strong	$3,220	+0.799%	232
49	Equity Prime Mortgage LLC	Sound	Mediocre	Sound	Acceptable	Strong	$3,362	+1.227%	294

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.

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