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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 Company Lenders in Michigan
Updated February 6, 2026
Market Overview
47
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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,231 | +0.414% | 14,800 | |
2 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,191 | +0.489% | 568 | |
3 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,148 | +0.439% | 457 | |
4 | MICHIGAN MUTUAL, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,282 | +0.638% | 918 | |
5 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,071 | +0.110% | 449 | |
6 | TOWNE MORTGAGE COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,928 | +0.456% | 311 | |
7 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,007 | +0.426% | 14,284 | |
8 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,000 | +0.809% | 2,797 | |
9 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,883 | +0.420% | 670 | |
10 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,527 | +0.442% | 573 | |
11 | STAUNTON FINANCIAL, INC. | Strong | Acceptable | Strong | Exceptional | Exceptional | $1,965 | +0.335% | 1,989 | |
12 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,204 | +0.577% | 1,040 | |
13 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,352 | +0.553% | 991 | |
14 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,792 | +0.547% | 917 | |
15 | NORTHERN MORTGAGE SERVICES, LLC | Strong | Sound | Strong | Strong | Strong | $3,853 | +0.390% | 431 | |
16 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,731 | +0.615% | 263 | |
17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,704 | +0.557% | 246 | |
18 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,753 | +0.748% | 1,673 | |
19 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,071 | +0.334% | 923 | |
20 | J. VIRGIL, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $2,772 | +0.672% | 649 | |
21 | RUOFF MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,074 | +0.382% | 615 | |
22 | ROSS MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Exceptional | $2,234 | +0.445% | 597 | |
23 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,168 | +0.544% | 526 | |
24 | THE MORTGAGE LINK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,289 | +0.652% | 507 | |
25 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,590 | +0.912% | 434 | |
26 | VAN DYK MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,405 | +0.521% | 395 | |
27 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,084 | +0.510% | 374 | |
28 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,272 | +0.515% | 373 | |
29 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,362 | +1.227% | 294 | |
30 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,308 | +0.690% | 239 | |
31 | MORTGAGE 1 INCORPORATED | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,750 | +0.558% | 3,179 | |
32 | PRESTON HOME LOANS INC | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,818 | +0.840% | 989 | |
33 | SUCCESS MORTGAGE PARTNERS, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,150 | +0.565% | 866 | |
34 | GVC MORTGAGE, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,178 | +0.861% | 441 | |
35 | DAS Acquisition Company, LLC | Strong | Mediocre | Exceptional | Exceptional | Strong | $2,966 | +0.665% | 352 | |
36 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,913 | +0.474% | 327 | |
37 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $1,941 | +0.309% | 282 | |
38 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,240 | +0.734% | 242 | |
39 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Strong | $3,220 | +0.799% | 232 | |
40 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,411 | +0.709% | 1,686 | |
41 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,473 | +0.526% | 669 | |
42 | CHURCHILL MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $3,708 | +0.457% | 526 | |
43 | BLG HOLDINGS, INC. | Strong | Mediocre | Strong | Strong | Exceptional | $3,169 | +0.654% | 447 | |
44 | CALCON MUTUAL MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,140 | +0.635% | 365 | |
45 | MORTGAGE CENTER L.C | Sound | Mediocre | Strong | Sound | Exceptional | $1,210 | +0.126% | 923 | |
46 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $2,781 | +0.747% | 547 | |
47 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Sound | Strong | $2,462 | +0.804% | 267 |
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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