# Best Mortgage Lenders in Warren

**As of:** 2026-05-19

Compare the top mortgage lenders in Warren. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/warren/best-mortgage-lenders


> **📋 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


## Market Statistics

- **Total Lenders:** 167
- **Total Loans:** 32,884
- **Median Rate Spread:** 0.34148765432098765%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | LAKE MICHIGAN CREDIT UNION | 100 | 82 | 82 | 1,018 | Credit Union |
| 2 | MICHIGAN SCHOOLS AND GOVERNMENT | 86 | 78 | 70 | 852 | Credit Union |
| 3 | First Merchants Bank | 86 | 66 | 71 | 582 | Bank |
| 4 | MORTGAGE CENTER L.C | 86 | 67 | 66 | 353 | Independent Mortgage Company |
| 5 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 6,648 | Independent Mortgage Company |
| 6 | STAUNTON FINANCIAL, INC. | 84 | 46 | 83 | 788 | Independent Mortgage Company |
| 7 | The Huntington National Bank | 80 | 61 | 75 | 625 | Bank |
| 8 | Bank of America, National Association | 80 | 73 | 75 | 326 | Bank |
| 9 | The Dart Bank | 80 | 63 | 77 | 291 | Bank |
| 10 | MICHIGAN FIRST CREDIT UNION | 80 | 64 | 72 | 277 | Credit Union |
| 11 | Independent Bank | 80 | 68 | 70 | 228 | Bank |
| 12 | Citizens Bank, National Association | 80 | 69 | 62 | 188 | Bank |
| 13 | Fifth Third Bank, National Association | 80 | 62 | 62 | 181 | Bank |
| 14 | U.S. Bank National Association | 80 | 75 | 71 | 178 | Bank |
| 15 | PNC Bank, National Association | 80 | 71 | 61 | 165 | Bank |
| 16 | MICHIGAN STATE UNIVERSITY Federal Credit Union | 80 | 70 | 65 | 116 | Credit Union |
| 17 | First State Bank | 78 | 56 | 72 | 601 | Bank |
| 18 | Genisys Credit Union | 78 | 54 | 66 | 574 | Credit Union |
| 19 | Superior National Bank | 78 | 58 | 67 | 342 | Bank |
| 20 | PROVIDENT FUNDING ASSOCIATES, L.P. | 78 | 83 | 55 | 128 | Independent Mortgage Company |
| 21 | NAVY FEDERAL CREDIT UNION | 78 | 93 | 60 | 120 | Credit Union |
| 22 | University Bank | 78 | 46 | 86 | 101 | Bank |
| 23 | VIBE CREDIT UNION | 78 | 90 | 59 | 98 | Credit Union |
| 24 | The State Bank | 78 | 82 | 54 | 74 | Bank |
| 25 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 4,709 | Independent Mortgage Company |
| 26 | MORTGAGE 1 INCORPORATED | 74 | 25 | 83 | 1,181 | Independent Mortgage Company |
| 27 | UNION HOME MORTGAGE CORP. | 74 | 22 | 83 | 910 | Independent Mortgage Company |
| 28 | JPMorgan Chase Bank, National Association | 73 | 49 | 70 | 805 | Bank |
| 29 | GUARANTEED RATE, INC. | 73 | 41 | 69 | 313 | Independent Mortgage Company |
| 30 | LOANDEPOT.COM, LLC | 73 | 48 | 76 | 177 | Independent Mortgage Company |
| 31 | FREEDOM MORTGAGE CORPORATION | 73 | 55 | 67 | 171 | Independent Mortgage Company |
| 32 | CREDIT UNION ONE | 73 | 69 | 48 | 105 | Credit Union |
| 33 | Flagstar Bank, N.A. | 68 | 40 | 76 | 926 | Bank |
| 34 | MICHIGAN MUTUAL, INC. | 68 | 32 | 73 | 543 | Independent Mortgage Company |
| 35 | FIRST COMMUNITY MORTGAGE, INC. | 68 | 31 | 89 | 233 | Independent Mortgage Company |
| 36 | CMG MORTGAGE, INC. | 68 | 33 | 81 | 127 | Independent Mortgage Company |
| 37 | J. VIRGIL, INC. | 68 | 21 | 81 | 115 | Independent Mortgage Company |
| 38 | PENNYMAC LOAN SERVICES, LLC | 66 | 56 | 63 | 102 | Independent Mortgage Company |
| 39 | RESICENTRAL, LLC | 66 | 57 | 53 | 108 | Independent Mortgage Company |
| 40 | ChoiceOne Bank | 66 | 59 | 58 | 95 | Bank |
| 41 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 20 | 76 | 618 | Independent Mortgage Company |
| 42 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 63 | 28 | 68 | 300 | Independent Mortgage Company |
| 43 | ROSS MORTGAGE CORPORATION | 63 | 29 | 68 | 286 | Independent Mortgage Company |
| 44 | Mortgage Research Center, LLC | 63 | 34 | 70 | 281 | Independent Mortgage Company |
| 45 | THE LOAN STORE, INC. | 63 | 40 | 77 | 265 | Independent Mortgage Company |
| 46 | NATIONSTAR MORTGAGE LLC | 63 | 26 | 71 | 206 | Independent Mortgage Company |
| 47 | PLAZA HOME MORTGAGE, INC. | 63 | 36 | 69 | 197 | Independent Mortgage Company |
| 48 | Plains Commerce Bank | 63 | 37 | 67 | 129 | Bank |
| 49 | THE MORTGAGE LINK, INC. | 63 | 20 | 79 | 115 | Independent Mortgage Company |
| 50 | M/I FINANCIAL, LLC | 63 | 38 | 75 | 93 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Warren.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.