# Best Bank Mortgage Lenders in Warren

**As of:** 2026-05-25

Compare the top banks offering mortgages in Warren. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | First Merchants Bank | 86 | 66 | 71 | 582 | Bank |
| 2 | The Huntington National Bank | 80 | 61 | 75 | 625 | Bank |
| 3 | Bank of America, National Association | 80 | 73 | 75 | 326 | Bank |
| 4 | The Dart Bank | 80 | 63 | 77 | 291 | Bank |
| 5 | Independent Bank | 80 | 68 | 70 | 228 | Bank |
| 6 | Citizens Bank, National Association | 80 | 69 | 62 | 188 | Bank |
| 7 | Fifth Third Bank, National Association | 80 | 62 | 62 | 181 | Bank |
| 8 | U.S. Bank National Association | 80 | 75 | 71 | 178 | Bank |
| 9 | PNC Bank, National Association | 80 | 71 | 61 | 165 | Bank |
| 10 | First State Bank | 78 | 56 | 72 | 601 | Bank |
| 11 | Superior National Bank | 78 | 58 | 67 | 342 | Bank |
| 12 | University Bank | 78 | 46 | 86 | 101 | Bank |
| 13 | The State Bank | 78 | 82 | 54 | 74 | Bank |
| 14 | JPMorgan Chase Bank, National Association | 73 | 49 | 70 | 805 | Bank |
| 15 | Flagstar Bank, N.A. | 68 | 40 | 76 | 926 | Bank |
| 16 | ChoiceOne Bank | 66 | 59 | 58 | 95 | Bank |
| 17 | Plains Commerce Bank | 63 | 37 | 67 | 129 | Bank |

## 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.