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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 USDA 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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,231 | +0.414% | 14,800 | |
2 | Fifth Third Bank, National Association | Exceptional | Exceptional | Strong | Sound | Exceptional | $668 | +0.326% | 1,528 | |
3 | NEWREZ LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,204 | +0.577% | 1,040 | |
4 | RUOFF MORTGAGE COMPANY, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,074 | +0.382% | 615 | |
5 | GUILD MORTGAGE COMPANY LLC | Exceptional | Strong | Exceptional | Strong | Strong | $3,168 | +0.544% | 526 | |
6 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,148 | +0.439% | 457 | |
7 | The Dart Bank | Exceptional | Strong | — | Strong | Exceptional | $1,638 | +0.214% | 1,842 | |
8 | FIRST COMMUNITY MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,792 | +0.547% | 917 | |
9 | Frankenmuth Credit Union | Exceptional | Strong | Strong | Strong | Strong | $1,152 | +0.250% | 374 | |
10 | The Huntington National Bank | Strong | Sound | Exceptional | Sound | Exceptional | $243 | +0.391% | 3,007 | |
11 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Sound | Exceptional | $1,816 | +0.487% | 2,869 | |
12 | STAUNTON FINANCIAL, INC. | Strong | Sound | — | Exceptional | Exceptional | $1,965 | +0.335% | 1,989 | |
13 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,590 | +0.912% | 434 | |
14 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,084 | +0.510% | 374 | |
15 | TOWNE MORTGAGE COMPANY | Strong | Sound | Exceptional | Strong | Strong | $1,928 | +0.456% | 311 | |
16 | MORTGAGE 1 INCORPORATED | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,750 | +0.558% | 3,179 | |
17 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,352 | +0.553% | 991 | |
18 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,071 | +0.334% | 923 | |
19 | VAN DYK MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,405 | +0.521% | 395 | |
20 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,362 | +1.227% | 294 | |
21 | UNION HOME MORTGAGE CORP. | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,000 | +0.809% | 2,797 | |
22 | MICHIGAN MUTUAL, INC. | Strong | Acceptable | Strong | Sound | Exceptional | $2,282 | +0.638% | 918 | |
23 | SUCCESS MORTGAGE PARTNERS, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,150 | +0.565% | 866 | |
24 | J. VIRGIL, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,772 | +0.672% | 649 | |
25 | ROSS MORTGAGE CORPORATION | Strong | Acceptable | — | Strong | Exceptional | $2,234 | +0.445% | 597 | |
26 | BLG HOLDINGS, INC. | Strong | Mediocre | Strong | Exceptional | Exceptional | $3,169 | +0.654% | 447 | |
27 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,411 | +0.709% | 1,686 | |
28 | PRESTON HOME LOANS INC | Strong | Mediocre | Strong | Strong | Exceptional | $2,818 | +0.840% | 989 | |
29 | GVC MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,178 | +0.861% | 441 | |
30 | DAS Acquisition Company, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,966 | +0.665% | 352 | |
31 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $2,704 | +0.557% | 246 | |
32 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $4,240 | +0.734% | 242 |
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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