# Best Conventional Mortgage Credit Union Lenders in Warren

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

Compare the top credit unions for Conventional loans in Warren.

> **Canonical URL:** https://saferate.com/warren/best-mortgage-lenders/credit-unions/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 | MICHIGAN SCHOOLS AND GOVERNMENT | 85 | 78 | 65 | 852 | Credit Union |
| 3 | NAVY FEDERAL CREDIT UNION | 83 | 92 | 53 | 120 | Credit Union |
| 4 | MICHIGAN FIRST CREDIT UNION | 80 | 66 | 62 | 277 | Credit Union |
| 5 | MICHIGAN STATE UNIVERSITY Federal Credit Union | 80 | 70 | 64 | 116 | Credit Union |
| 6 | CREDIT UNION ONE | 74 | 69 | 56 | 105 | Credit Union |
| 7 | Genisys Credit Union | 73 | 55 | 60 | 574 | Credit Union |
| 8 | VIBE CREDIT UNION | 73 | 89 | 52 | 98 | Credit Union |
| 9 | Polish-American Federal Credit Union | 67 | 75 | 62 | 74 | Credit Union |
| 10 | DFCU FINANCIAL | 63 | 28 | 44 | 167 | Credit Union |

## 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.