Safe Rate Rankings

Best Bank Mortgage Lenders in Warren

Updated May 25, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders167

Total Loans32,884

Median Rate Spread0.34%

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

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.