# Best Mortgage Lenders for Conventional Loans in Bay City, MI - 2026


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


> Compare the top Conventional mortgage lenders in Bay City, MI across the 4 P's of mortgage shopping: Pricing, Pullthrough, Products, and Place.

## Market Overview

- **Location:** Bay City, MI
- **Ranking Type:** Best Mortgage Lenders
- **Loan Product:** CONVENTIONAL
- **Total Lenders in Market:** 24
- **Total Loan Volume:** 879
- **Last Updated:** 2026-02-06

## Top Lenders

| Rank | Lender | Type | Overall | Pricing | Pull Through |
|------|--------|------|---------|---------|--------------|
| 1 | [STAUNTON FINANCIAL, INC.](https://saferate.com/lenders/staunton-financial) | Independent Mortgage Company | Exceptional 🤩 | Sound ☺️ | Exceptional 🤩 |
| 2 | [LAKE MICHIGAN CREDIT UNION](https://saferate.com/lenders/lake-michigan-credit-union) | Credit Union | Exceptional 🤩 | Exceptional 🤩 | Exceptional 🤩 |
| 3 | [The Huntington National Bank](https://saferate.com/lenders/the-huntington-national-bank) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 4 | [Frankenmuth Credit Union](https://saferate.com/lenders/frankenmuth-credit-union) | Credit Union | Exceptional 🤩 | Strong 😀 | Exceptional 🤩 |
| 5 | [Independent Bank](https://saferate.com/lenders/independent-bank-mi) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 6 | [DOW CREDIT UNION](https://saferate.com/lenders/dow-credit-union) | Credit Union | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 7 | [ROCKET MORTGAGE, LLC](https://saferate.com/lenders/rocket-mortgage) | Independent Mortgage Company | Exceptional 🤩 | Acceptable 🙂 | Exceptional 🤩 |
| 8 | [UNITED WHOLESALE MORTGAGE, LLC](https://saferate.com/lenders/united-wholesale-mortgage) | Independent Mortgage Company | Exceptional 🤩 | Acceptable 🙂 | Exceptional 🤩 |
| 9 | [The Dart Bank](https://saferate.com/lenders/the-dart-bank) | Bank | Strong 😀 | Strong 😀 | Strong 😀 |
| 10 | [Mercantile Bank](https://saferate.com/lenders/mercantile-bank) | Bank | Strong 😀 | Strong 😀 | Strong 😀 |
| 11 | [FINANCIAL PLUS CREDIT UNION](https://saferate.com/lenders/financial-plus-credit-union-mi) | Credit Union | Strong 😀 | Exceptional 🤩 | Sound ☺️ |
| 12 | [JPMorgan Chase Bank, National Association](https://saferate.com/lenders/jpmorgan-chase-bank-national-association) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 13 | [DAS Acquisition Company, LLC](https://saferate.com/lenders/das-acquisition-company) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Strong 😀 |
| 14 | [FIRST COMMUNITY MORTGAGE, INC.](https://saferate.com/lenders/first-community-mortgage) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Strong 😀 |
| 15 | [FinancialEdge Community Credit Union](https://saferate.com/lenders/financialedge-community-credit-union) | Credit Union | Strong 😀 | Strong 😀 | Exceptional 🤩 |
| 16 | [SUNRISE FAMILY CREDIT UNION](https://saferate.com/lenders/sunrise-family-credit-union) | Credit Union | Strong 😀 | Strong 😀 | Exceptional 🤩 |
| 17 | [JOLT CREDIT UNION](https://saferate.com/lenders/jolt-credit-union) | Credit Union | Strong 😀 | Strong 😀 | Sound ☺️ |
| 18 | [BLG HOLDINGS, INC.](https://saferate.com/lenders/blg-holdings) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Strong 😀 |
| 19 | [J. VIRGIL, INC.](https://saferate.com/lenders/j-virgil) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Strong 😀 |
| 20 | [PRESTON HOME LOANS INC](https://saferate.com/lenders/preston-home-loans) | Independent Mortgage Company | Sound ☺️ | Mediocre 😐 | Strong 😀 |
| 21 | [TOP FLITE FINANCIAL, INC.](https://saferate.com/lenders/top-flite-financial) | Independent Mortgage Company | Sound ☺️ | Acceptable 🙂 | Acceptable 🙂 |
| 22 | [UNITED FINANCIAL Credit Union](https://saferate.com/lenders/united-financial-credit-union) | Credit Union | Sound ☺️ | N/A | Sound ☺️ |

## Lender Profiles

Click on any lender above to view their full Safe Rate profile, including:
- Detailed pricing analysis
- Pull-through rates
- Product specializations
- Safe Rate Awards
- Geographic coverage

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*Rankings provided by Safe Rate based on HMDA data analysis.*
*Data Version: 2024-HMDA | Last Updated: 2026-02-06*

[View interactive rankings on Safe Rate](https://saferate.com/bay-city-mi/best-mortgage-lenders/conventional-loans)