# Best Conventional Mortgage Lenders in Warren

**As of:** 2026-05-19

Compare the top Conventional mortgage lenders in Warren. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | LAKE MICHIGAN CREDIT UNION | 100 | 82 | 82 | 1,018 | Credit Union |
| 2 | First Merchants Bank | 89 | 69 | 70 | 582 | Bank |
| 3 | STAUNTON FINANCIAL, INC. | 88 | 48 | 83 | 788 | Independent Mortgage Company |
| 4 | MICHIGAN SCHOOLS AND GOVERNMENT | 85 | 78 | 65 | 852 | Credit Union |
| 5 | The Huntington National Bank | 85 | 63 | 75 | 625 | Bank |
| 6 | MORTGAGE CENTER L.C | 85 | 71 | 66 | 353 | Independent Mortgage Company |
| 7 | Bank of America, National Association | 85 | 71 | 67 | 326 | Bank |
| 8 | The Dart Bank | 85 | 64 | 76 | 291 | Bank |
| 9 | U.S. Bank National Association | 85 | 75 | 69 | 178 | Bank |
| 10 | PNC Bank, National Association | 85 | 75 | 63 | 165 | Bank |
| 11 | PROVIDENT FUNDING ASSOCIATES, L.P. | 83 | 83 | 55 | 128 | Independent Mortgage Company |
| 12 | NAVY FEDERAL CREDIT UNION | 83 | 92 | 53 | 120 | Credit Union |
| 13 | MICHIGAN FIRST CREDIT UNION | 80 | 66 | 62 | 277 | Credit Union |
| 14 | Independent Bank | 80 | 68 | 71 | 228 | Bank |
| 15 | MICHIGAN STATE UNIVERSITY Federal Credit Union | 80 | 70 | 64 | 116 | Credit Union |
| 16 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 6,648 | Independent Mortgage Company |
| 17 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 4,709 | Independent Mortgage Company |
| 18 | JPMorgan Chase Bank, National Association | 79 | 52 | 71 | 805 | Bank |
| 19 | First State Bank | 79 | 57 | 73 | 601 | Bank |
| 20 | PLAZA HOME MORTGAGE, INC. | 79 | 43 | 63 | 197 | Independent Mortgage Company |
| 21 | Citizens Bank, National Association | 79 | 70 | 59 | 188 | Bank |
| 22 | Fifth Third Bank, National Association | 79 | 61 | 60 | 181 | Bank |
| 23 | LOANDEPOT.COM, LLC | 79 | 45 | 72 | 177 | Independent Mortgage Company |
| 24 | The State Bank | 79 | 82 | 70 | 74 | Bank |
| 25 | MORTGAGE 1 INCORPORATED | 75 | 27 | 78 | 1,181 | Independent Mortgage Company |
| 26 | Flagstar Bank, N.A. | 75 | 34 | 72 | 926 | Bank |
| 27 | UNION HOME MORTGAGE CORP. | 75 | 23 | 77 | 910 | Independent Mortgage Company |
| 28 | CREDIT UNION ONE | 74 | 69 | 56 | 105 | Credit Union |
| 29 | ChoiceOne Bank | 74 | 60 | 60 | 95 | Bank |
| 30 | Genisys Credit Union | 73 | 55 | 60 | 574 | Credit Union |
| 31 | VIBE CREDIT UNION | 73 | 89 | 52 | 98 | Credit Union |
| 32 | CROSSCOUNTRY MORTGAGE, LLC | 71 | 21 | 74 | 618 | Independent Mortgage Company |
| 33 | MICHIGAN MUTUAL, INC. | 71 | 29 | 66 | 543 | Independent Mortgage Company |
| 34 | GUARANTEED RATE, INC. | 71 | 39 | 65 | 313 | Independent Mortgage Company |
| 35 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 71 | 29 | 60 | 300 | Independent Mortgage Company |
| 36 | THE LOAN STORE, INC. | 71 | 39 | 71 | 265 | Independent Mortgage Company |
| 37 | FIRST COMMUNITY MORTGAGE, INC. | 71 | 31 | 79 | 233 | Independent Mortgage Company |
| 38 | NATIONSTAR MORTGAGE LLC | 71 | 27 | 64 | 206 | Independent Mortgage Company |
| 39 | Plains Commerce Bank | 71 | 35 | 64 | 129 | Bank |
| 40 | CMG MORTGAGE, INC. | 71 | 34 | 73 | 127 | Independent Mortgage Company |
| 41 | FREEDOM MORTGAGE CORPORATION | 69 | 41 | 47 | 171 | Independent Mortgage Company |
| 42 | RESICENTRAL, LLC | 69 | 55 | 44 | 108 | Independent Mortgage Company |
| 43 | MUTUAL OF OMAHA MORTGAGE, INC. | 69 | 65 | 55 | 74 | Independent Mortgage Company |
| 44 | Superior National Bank | 68 | 59 | 58 | 342 | Bank |
| 45 | PENNYMAC LOAN SERVICES, LLC | 68 | 42 | 59 | 102 | Independent Mortgage Company |
| 46 | THE MORTGAGE LINK, INC. | 67 | 22 | 63 | 115 | Independent Mortgage Company |
| 47 | J. VIRGIL, INC. | 67 | 22 | 73 | 115 | Independent Mortgage Company |
| 48 | GreenStone Farm Credit Services, FLCA | 67 | 23 | 71 | 112 | Independent Mortgage Company |
| 49 | University Bank | 67 | 34 | 75 | 101 | Bank |
| 50 | M/I FINANCIAL, LLC | 67 | 35 | 62 | 93 | Independent Mortgage Company |

## 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.