# Best VA Mortgage Lenders in Detroit

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

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

> **Canonical URL:** https://saferate.com/detroit/best-mortgage-lenders/va-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:** 127
- **Total Loans:** 16,726
- **Median Rate Spread:** 0.469192%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | UNITED WHOLESALE MORTGAGE, LLC | 95 | 64 | 83 | 3,431 | Independent Mortgage Company |
| 2 | GUARANTEED RATE, INC. | 85 | 79 | 70 | 228 | Independent Mortgage Company |
| 3 | FREEDOM MORTGAGE CORPORATION | 85 | 61 | 63 | 99 | Independent Mortgage Company |
| 4 | Flagstar Bank, N.A. | 83 | 56 | 68 | 621 | Bank |
| 5 | CMG MORTGAGE, INC. | 83 | 54 | 81 | 129 | Independent Mortgage Company |
| 6 | ROCKET MORTGAGE, LLC | 80 | 29 | 81 | 3,175 | Independent Mortgage Company |
| 7 | STAUNTON FINANCIAL, INC. | 79 | 55 | 77 | 424 | Independent Mortgage Company |
| 8 | JPMorgan Chase Bank, National Association | 79 | 75 | 54 | 402 | Bank |
| 9 | NEWREZ LLC | 79 | 47 | 63 | 197 | Independent Mortgage Company |
| 10 | LOANDEPOT.COM, LLC | 79 | 53 | 69 | 99 | Independent Mortgage Company |
| 11 | PENNYMAC LOAN SERVICES, LLC | 79 | 61 | 62 | 70 | Independent Mortgage Company |
| 12 | NAVY FEDERAL CREDIT UNION | 77 | 91 | 59 | 69 | Credit Union |
| 13 | MORTGAGE 1 INCORPORATED | 71 | 21 | 80 | 448 | Independent Mortgage Company |
| 14 | CROSSCOUNTRY MORTGAGE, LLC | 71 | 32 | 71 | 380 | Independent Mortgage Company |
| 15 | UNION HOME MORTGAGE CORP. | 71 | 25 | 79 | 204 | Independent Mortgage Company |
| 16 | Mortgage Research Center, LLC | 71 | 34 | 61 | 191 | Independent Mortgage Company |
| 17 | NATIONSTAR MORTGAGE LLC | 71 | 20 | 69 | 99 | Independent Mortgage Company |
| 18 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 67 | 35 | 70 | 246 | Independent Mortgage Company |
| 19 | ROSS MORTGAGE CORPORATION | 67 | 32 | 65 | 177 | Independent Mortgage Company |
| 20 | THE MORTGAGE LINK, INC. | 60 | 11 | 75 | 348 | Independent Mortgage Company |
| 21 | SUCCESS MORTGAGE PARTNERS, INC. | 57 | 9 | 64 | 165 | 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 Detroit.

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.