Safe Rate Rankings

Best FHA Mortgage Bank Lenders in Warren

Updated May 26, 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.
Total Lenders167
Total Loans32,884
Median Rate Spread0.34%

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RankLenderOverallPricingProductPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
The Huntington National BankBank
Exceptional
Strong
Exceptional
Strong
Strong
$118Fees
0.261%Above
625
2
University BankBank
Exceptional
Strong
Strong
Exceptional
Strong
$1,898Fees
0.610%Above
101
3
Flagstar Bank, N.A.Bank
Exceptional
Sound
Exceptional
Strong
Exceptional
$1,831Fees
0.437%Above
926
4
First Merchants BankBank
Exceptional
Strong
Strong
Sound
Exceptional
$1,051Fees
0.165%Above
582
5
The Dart BankBank
Exceptional
Strong
Strong
Strong
Strong
$1,639Fees
0.203%Above
291
6
First State BankBank
Strong
Sound
Strong
Strong
Exceptional
$1,241Fees
0.180%Above
601
7
Citizens Bank, National AssociationBank
Strong
Strong
Strong
Sound
Strong
$815Fees
0.046%Above
188
8
PNC Bank, National AssociationBank
Strong
Strong
Strong
Sound
Strong
$1,011Credit
0.188%Above
165
9
Plains Commerce BankBank
Strong
Sound
Exceptional
Strong
Strong
$1,666Fees
0.475%Above
129
10
Superior National BankBank
Strong
Sound
Sound
Strong
Exceptional
$1,038Fees
0.285%Above
342
11
JPMorgan Chase Bank, National AssociationBank
Strong
Sound
Strong
Sound
Strong
$1,633Fees
0.269%Above
805
12
Bank of America, National AssociationBank
Strong
Acceptable
Strong
Sound
Strong
$1,247Fees
0.053%Below
326

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.