Safe Rate Rankings

Best Conventional Mortgage Lenders in Warren

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

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.