Safe Rate Rankings

Best Conventional Mortgage Companie Lenders in Warren

Updated May 31, 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.
Total Lenders167
Total Loans32,884
Median Rate Spread0.34%

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RankLenderOverallPricingProductPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company
Exceptional
Exceptional
Exceptional
Sound
Strong
$176Fees
0.062%Above
128
2
STAUNTON FINANCIAL, INC.Independent Mortgage Company
Exceptional
Sound
Exceptional
Exceptional
Exceptional
$1,799Fees
0.218%Above
788
3
MORTGAGE CENTER L.CIndependent Mortgage Company
Exceptional
Strong
Strong
Strong
Exceptional
$1,213Fees
0.041%Below
353
4
UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Exceptional
Exceptional
$2,135Fees
0.360%Above
6,648
5
ROCKET MORTGAGE, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Exceptional
Exceptional
$2,822Fees
0.331%Above
4,709
6
PLAZA HOME MORTGAGE, INC.Independent Mortgage Company
Strong
Sound
Exceptional
Strong
Strong
$2,124Fees
0.472%Above
197
7
LOANDEPOT.COM, LLCIndependent Mortgage Company
Strong
Sound
Exceptional
Strong
Strong
$2,898Fees
0.388%Above
177
8
MORTGAGE 1 INCORPORATEDIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Exceptional
$2,463Fees
0.509%Above
1,181
9
UNION HOME MORTGAGE CORP.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Exceptional
$2,767Fees
0.703%Above
910
10
MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company
Strong
Strong
Strong
Sound
Sound
$2,098Fees
0.385%Above
74
11
CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$3,795Fees
0.693%Above
618
12
MICHIGAN MUTUAL, INC.Independent Mortgage Company
Strong
Acceptable
Strong
Strong
Exceptional
$2,209Fees
0.625%Above
543
13
GUARANTEED RATE, INC.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$2,202Fees
0.297%Above
313
14
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$2,277Fees
0.545%Above
300
15
THE LOAN STORE, INC.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$1,490Fees
0.446%Above
265
16
FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$2,595Fees
0.492%Above
233
17
NATIONSTAR MORTGAGE LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$3,457Fees
0.407%Above
206
18
FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company
Strong
Sound
Strong
Sound
Strong
$2,085Fees
0.351%Above
171
19
CMG MORTGAGE, INC.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$2,345Fees
0.531%Above
127
20
RESICENTRAL, LLCIndependent Mortgage Company
Strong
Sound
Strong
Sound
Strong
$237Fees
1.218%Above
108
21
PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company
Strong
Sound
Exceptional
Sound
Sound
$1,567Fees
0.182%Above
102
22
NEWREZ LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Sound
Strong
$2,234Fees
0.525%Above
414
23
THE MORTGAGE LINK, INC.Independent Mortgage Company
Strong
Acceptable
Strong
Strong
Strong
$1,842Fees
0.572%Above
115
24
J. VIRGIL, INC.Independent Mortgage Company
Strong
Acceptable
Strong
Strong
Strong
$2,998Fees
0.496%Above
115
25
NEW AMERICAN FUNDING, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Sound
Strong
$2,663Fees
0.631%Above
115
26
GreenStone Farm Credit Services, FLCAIndependent Mortgage Company
Strong
Acceptable
Strong
Strong
Strong
$2,823Fees
0.561%Above
112
27
M/I FINANCIAL, LLCIndependent Mortgage Company
Strong
Acceptable
Strong
Strong
Strong
$3,316Fees
0.174%Below
93
28
HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Sound
$2,778Fees
0.468%Above
68
29
ROSS MORTGAGE CORPORATIONIndependent Mortgage Company
Strong
Acceptable
Strong
Sound
Strong
$2,433Fees
0.358%Above
286
30
Mortgage Research Center, LLCIndependent Mortgage Company
Strong
Acceptable
Strong
Sound
Strong
$1,556Fees
0.670%Above
281
31
UIF CORPORATIONIndependent Mortgage Company
Strong
Acceptable
Strong
Sound
Strong
$2,020Fees
0.478%Above
138
32
PRESTON HOME LOANS INCIndependent Mortgage Company
Sound
Mediocre
Strong
Strong
Strong
$3,322Fees
0.753%Above
222
33
SUCCESS MORTGAGE PARTNERS, INC.Independent Mortgage Company
Sound
Mediocre
Strong
Sound
Strong
$3,863Fees
0.539%Above
188
34
CALCON MUTUAL MORTGAGE LLCIndependent Mortgage Company
Sound
Mediocre
Strong
Sound
Strong
$2,818Fees
0.670%Above
148

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.