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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 Conventional Mortgage Lenders in Warren
Updated February 5, 2026
Market Overview
167
Total Lenders
32,884
Total Loans
0.34%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | LAKE MICHIGAN CREDIT UNION | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $970 | -0.086% | 1,018 | |
2 | First Merchants Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,051 | +0.165% | 582 | |
3 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $176 | +0.062% | 128 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $755 | -0.472% | 120 | |
5 | MICHIGAN SCHOOLS AND GOVERNMENT | Exceptional | Strong | Strong | Strong | Exceptional | $618 | -0.321% | 852 | |
6 | STAUNTON FINANCIAL, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,799 | +0.218% | 788 | |
7 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $118 | +0.261% | 625 | |
8 | MORTGAGE CENTER L.C | Exceptional | Strong | Strong | Strong | Exceptional | $1,213 | -0.041% | 353 | |
9 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,247 | -0.053% | 326 | |
10 | The Dart Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,639 | +0.203% | 291 | |
11 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$331 | +0.068% | 178 | |
12 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$1,011 | +0.188% | 165 | |
13 | The State Bank | Exceptional | Exceptional | Sound | Strong | Strong | $696 | +0.004% | 74 | |
14 | MICHIGAN FIRST CREDIT UNION | Exceptional | Strong | Strong | Strong | Strong | $1,363 | +0.334% | 277 | |
15 | Independent Bank | Exceptional | Strong | Strong | Strong | Strong | $993 | +0.269% | 228 | |
16 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $815 | +0.046% | 188 | |
17 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | -$330 | +0.250% | 181 | |
18 | MICHIGAN STATE UNIVERSITY Federal Credit Union | Exceptional | Strong | Strong | Strong | Strong | $1,371 | +0.137% | 116 | |
19 | VIBE CREDIT UNION | Exceptional | Exceptional | Sound | Sound | Strong | $647 | -0.134% | 98 | |
20 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,135 | +0.360% | 6,648 | |
21 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,822 | +0.331% | 4,709 | |
22 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,633 | +0.269% | 805 | |
23 | First State Bank | Strong | Sound | Strong | Strong | Exceptional | $1,241 | +0.180% | 601 | |
24 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,124 | +0.472% | 197 | |
25 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,898 | +0.388% | 177 | |
26 | CREDIT UNION ONE | Strong | Strong | Strong | Sound | Strong | $448 | +0.314% | 105 | |
27 | ChoiceOne Bank | Strong | Strong | Strong | Sound | Strong | $1,161 | +0.213% | 95 | |
28 | MORTGAGE 1 INCORPORATED | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,463 | +0.509% | 1,181 | |
29 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,831 | +0.437% | 926 | |
30 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,767 | +0.703% | 910 | |
31 | Genisys Credit Union | Strong | Sound | Strong | Sound | Exceptional | $963 | +0.141% | 574 | |
32 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $2,098 | +0.385% | 74 | |
33 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,795 | +0.693% | 618 | |
34 | MICHIGAN MUTUAL, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $2,209 | +0.625% | 543 | |
35 | Superior National Bank | Strong | Sound | Sound | Sound | Exceptional | $1,038 | +0.285% | 342 | |
36 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,202 | +0.297% | 313 | |
37 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,277 | +0.545% | 300 | |
38 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,490 | +0.446% | 265 | |
39 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,595 | +0.492% | 233 | |
40 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,457 | +0.407% | 206 | |
41 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,085 | +0.351% | 171 | |
42 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,666 | +0.475% | 129 | |
43 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,345 | +0.531% | 127 | |
44 | RESICENTRAL, LLC | Strong | Sound | Strong | Sound | Strong | $237 | +1.218% | 108 | |
45 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $1,567 | +0.182% | 102 | |
46 | THE MORTGAGE LINK, INC. | Strong | Acceptable | Strong | Strong | Strong | $1,842 | +0.572% | 115 | |
47 | J. VIRGIL, INC. | Strong | Acceptable | Strong | Strong | Strong | $2,998 | +0.496% | 115 | |
48 | GreenStone Farm Credit Services, FLCA | Strong | Acceptable | Strong | Strong | Strong | $2,823 | +0.561% | 112 | |
49 | University Bank | Strong | Acceptable | Strong | Strong | Strong | $1,898 | +0.610% | 101 | |
50 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,316 | -0.174% | 93 |
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.
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