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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 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | LAKE MICHIGAN CREDIT UNION | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $1,297 | +0.153% | 97 | |
2 | Frankenmuth Credit Union | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,095 | +0.209% | 173 | |
3 | STAUNTON FINANCIAL, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,180 | +0.777% | 85 | |
4 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $157 | +0.501% | 81 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $698 | -0.642% | 17 | |
6 | Independent Bank | Exceptional | Strong | Strong | Strong | Strong | $1,093 | +0.272% | 61 | |
7 | FINANCIAL PLUS CREDIT UNION | Exceptional | Exceptional | Sound | Sound | Strong | $86 | +0.201% | 39 | |
8 | DOW CREDIT UNION | Exceptional | Strong | Strong | Strong | Strong | $169 | +0.807% | 34 | |
9 | Mercantile Bank | Exceptional | Strong | Strong | Strong | Strong | $956 | +0.221% | 31 | |
10 | HEALTH ADVANTAGE FEDERAL CREDIT UNION | Exceptional | Exceptional | Acceptable | Strong | Strong | $538 | +0.092% | 30 | |
11 | The State Bank | Exceptional | Exceptional | Sound | Strong | Sound | $724 | -0.244% | 17 | |
12 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,024 | +0.494% | 198 | |
13 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,938 | +0.368% | 134 | |
14 | JOLT CREDIT UNION | Strong | Strong | Sound | Sound | Strong | $1,879 | +0.104% | 42 | |
15 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $1,781 | +0.591% | 18 | |
16 | Dort Financial Credit Union | Strong | Sound | Strong | Exceptional | Sound | $511 | +0.189% | 10 | |
17 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,090 | +0.647% | 43 | |
18 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,697 | +0.594% | 38 | |
19 | MORTGAGE 1 INCORPORATED | Strong | Acceptable | Exceptional | Strong | Strong | $3,767 | +0.525% | 35 | |
20 | Isabella Bank | Strong | Sound | Strong | Sound | Strong | $845 | -0.157% | 24 | |
21 | BLG HOLDINGS, INC. | Strong | Acceptable | Strong | Strong | Strong | $3,003 | +0.714% | 62 | |
22 | J. VIRGIL, INC. | Strong | Acceptable | Strong | Strong | Strong | $2,490 | +0.680% | 44 | |
23 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $2,289 | +0.737% | 20 | |
24 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,261 | +0.467% | 12 | |
25 | GreenStone Farm Credit Services, FLCA | Strong | Acceptable | Strong | Strong | Sound | $1,657 | +0.560% | 11 | |
26 | PRESTON HOME LOANS INC | Sound | Mediocre | Strong | Strong | Strong | $2,695 | +0.842% | 63 |
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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Saginaw, MIConventional
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