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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 Mortgage Lenders in Saginaw
Updated February 6, 2026
Market Overview
33
Total Lenders
1,585
Total Loans
0.42%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | LAKE MICHIGAN CREDIT UNION | Exceptional | Exceptional | Exceptional | Exceptional | $1,297 | +0.153% | 97 | |
2 | Frankenmuth Credit Union | Exceptional | Strong | Strong | Exceptional | $1,095 | +0.209% | 173 | |
3 | FINANCIAL PLUS CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $86 | +0.201% | 39 | |
4 | HEALTH ADVANTAGE FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $538 | +0.092% | 30 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $1,938 | +0.368% | 134 | |
6 | STAUNTON FINANCIAL, INC. | Strong | Sound | Exceptional | Exceptional | $2,180 | +0.777% | 85 | |
7 | The Huntington National Bank | Strong | Strong | Strong | Strong | $157 | +0.501% | 81 | |
8 | Independent Bank | Strong | Strong | Strong | Strong | $1,093 | +0.272% | 61 | |
9 | Mercantile Bank | Strong | Strong | Strong | Strong | $956 | +0.221% | 31 | |
10 | DOW CREDIT UNION | Strong | Strong | Sound | Strong | $169 | +0.807% | 34 | |
11 | Isabella Bank | Strong | Strong | Sound | Strong | $845 | -0.157% | 24 | |
12 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,024 | +0.494% | 198 | |
13 | J. VIRGIL, INC. | Strong | Acceptable | Exceptional | Strong | $2,490 | +0.680% | 44 | |
14 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,090 | +0.647% | 43 | |
15 | JOLT CREDIT UNION | Strong | Strong | Mediocre | Strong | $1,879 | +0.104% | 42 | |
16 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | $2,697 | +0.594% | 38 | |
17 | MORTGAGE 1 INCORPORATED | Strong | Acceptable | Exceptional | Strong | $3,767 | +0.525% | 35 | |
18 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $3,572 | +1.581% | 62 | |
19 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Sound | $2,289 | +0.737% | 20 | |
20 | PRESTON HOME LOANS INC | Sound | Mediocre | Strong | Strong | $2,695 | +0.842% | 63 | |
21 | BLG HOLDINGS, INC. | Sound | Mediocre | Strong | Strong | $3,003 | +0.714% | 62 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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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