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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 Bank Mortgage Lenders in Warren
Updated February 5, 2026
Market Overview
17
Total Lenders
6,513
Total Loans
0.16%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | First Merchants Bank | Exceptional | Strong | Strong | Exceptional | $1,051 | +0.165% | 582 | |
2 | The State Bank | Exceptional | Exceptional | Sound | Strong | $696 | +0.004% | 74 | |
3 | The Huntington National Bank | Strong | Strong | Strong | Strong | $118 | +0.261% | 625 | |
4 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,247 | -0.053% | 326 | |
5 | The Dart Bank | Strong | Strong | Strong | Strong | $1,639 | +0.203% | 291 | |
6 | Independent Bank | Strong | Strong | Strong | Strong | $993 | +0.269% | 228 | |
7 | Citizens Bank, National Association | Strong | Strong | Strong | Strong | $815 | +0.046% | 188 | |
8 | Fifth Third Bank, National Association | Strong | Strong | Strong | Strong | -$330 | +0.250% | 181 | |
9 | U.S. Bank National Association | Strong | Strong | Strong | Strong | -$331 | +0.068% | 178 | |
10 | PNC Bank, National Association | Strong | Strong | Strong | Strong | -$1,011 | +0.188% | 165 | |
11 | First State Bank | Strong | Sound | Strong | Exceptional | $1,241 | +0.180% | 601 | |
12 | Superior National Bank | Strong | Sound | Strong | Exceptional | $1,038 | +0.285% | 342 | |
13 | University Bank | Strong | Sound | Exceptional | Strong | $1,898 | +0.610% | 101 | |
14 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,633 | +0.269% | 805 | |
15 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Exceptional | $1,831 | +0.437% | 926 | |
16 | ChoiceOne Bank | Strong | Sound | Sound | Strong | $1,161 | +0.213% | 95 | |
17 | Plains Commerce Bank | Strong | Acceptable | Strong | Strong | $1,666 | +0.475% | 129 |
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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