# Best FHA Mortgage Lenders in Warren

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

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

> **Canonical URL:** https://saferate.com/warren/best-mortgage-lenders/fha-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 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 6,648 | Independent Mortgage Company |
| 2 | LAKE MICHIGAN CREDIT UNION | 85 | 79 | 71 | 1,018 | Credit Union |
| 3 | The Huntington National Bank | 85 | 75 | 65 | 625 | Bank |
| 4 | FREEDOM MORTGAGE CORPORATION | 85 | 65 | 62 | 171 | Independent Mortgage Company |
| 5 | University Bank | 85 | 66 | 85 | 101 | Bank |
| 6 | Flagstar Bank, N.A. | 83 | 58 | 71 | 926 | Bank |
| 7 | MICHIGAN MUTUAL, INC. | 83 | 43 | 69 | 543 | Independent Mortgage Company |
| 8 | The Dart Bank | 80 | 61 | 64 | 291 | Bank |
| 9 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 4,709 | Independent Mortgage Company |
| 10 | UNION HOME MORTGAGE CORP. | 80 | 22 | 80 | 910 | Independent Mortgage Company |
| 11 | First State Bank | 79 | 53 | 78 | 601 | Bank |
| 12 | First Merchants Bank | 79 | 63 | 55 | 582 | Bank |
| 13 | THE LOAN STORE, INC. | 79 | 49 | 72 | 265 | Independent Mortgage Company |
| 14 | LOANDEPOT.COM, LLC | 79 | 59 | 68 | 177 | Independent Mortgage Company |
| 15 | Plains Commerce Bank | 79 | 47 | 66 | 129 | Bank |
| 16 | M/I FINANCIAL, LLC | 79 | 47 | 80 | 93 | Independent Mortgage Company |
| 17 | STAUNTON FINANCIAL, INC. | 75 | 40 | 90 | 788 | Independent Mortgage Company |
| 18 | FIRST COMMUNITY MORTGAGE, INC. | 75 | 33 | 84 | 233 | Independent Mortgage Company |
| 19 | MICHIGAN FIRST CREDIT UNION | 74 | 58 | 63 | 277 | Credit Union |
| 20 | Citizens Bank, National Association | 74 | 74 | 54 | 188 | Bank |
| 21 | PNC Bank, National Association | 74 | 62 | 56 | 165 | Bank |
| 22 | MICHIGAN SCHOOLS AND GOVERNMENT | 73 | 72 | 50 | 852 | Credit Union |
| 23 | NEWREZ LLC | 73 | 52 | 56 | 414 | Independent Mortgage Company |
| 24 | Superior National Bank | 73 | 57 | 66 | 342 | Bank |
| 25 | PENNYMAC LOAN SERVICES, LLC | 73 | 78 | 59 | 102 | Independent Mortgage Company |
| 26 | GUARANTEED RATE, INC. | 71 | 38 | 68 | 313 | Independent Mortgage Company |
| 27 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 71 | 28 | 66 | 300 | Independent Mortgage Company |
| 28 | PLAZA HOME MORTGAGE, INC. | 71 | 30 | 65 | 197 | Independent Mortgage Company |
| 29 | CMG MORTGAGE, INC. | 71 | 32 | 79 | 127 | Independent Mortgage Company |
| 30 | THE MORTGAGE LINK, INC. | 71 | 23 | 80 | 115 | Independent Mortgage Company |
| 31 | JPMorgan Chase Bank, National Association | 69 | 59 | 47 | 805 | Bank |
| 32 | ROSS MORTGAGE CORPORATION | 67 | 27 | 71 | 286 | Independent Mortgage Company |
| 33 | J. VIRGIL, INC. | 67 | 24 | 75 | 115 | Independent Mortgage Company |
| 34 | Mortgage Research Center, LLC | 66 | 34 | 54 | 281 | Independent Mortgage Company |
| 35 | Equity Prime Mortgage LLC | 66 | 22 | 63 | 81 | Independent Mortgage Company |
| 36 | MORTGAGE 1 INCORPORATED | 63 | 15 | 79 | 1,181 | Independent Mortgage Company |
| 37 | Bank of America, National Association | 63 | 35 | 43 | 326 | Bank |
| 38 | MUTUAL OF OMAHA MORTGAGE, INC. | 62 | 36 | 56 | 74 | Independent Mortgage Company |
| 39 | CROSSCOUNTRY MORTGAGE, LLC | 60 | 19 | 69 | 618 | Independent Mortgage Company |
| 40 | PRESTON HOME LOANS INC | 60 | 11 | 77 | 222 | Independent Mortgage Company |
| 41 | NATIONSTAR MORTGAGE LLC | 60 | 13 | 63 | 206 | Independent Mortgage Company |
| 42 | SUCCESS MORTGAGE PARTNERS, INC. | 60 | 15 | 75 | 188 | Independent Mortgage Company |
| 43 | CALCON MUTUAL MORTGAGE LLC | 60 | 17 | 62 | 148 | Independent Mortgage Company |
| 44 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 59 | 18 | 81 | 68 | Independent Mortgage Company |
| 45 | MORTGAGE CENTER L.C | 56 | 20 | 54 | 353 | Independent Mortgage Company |
| 46 | NEW AMERICAN FUNDING, LLC | 56 | 19 | 57 | 115 | 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.