Safe Rate Rankings

Best VA Mortgage Company Lenders in Grand Rapids

Updated February 5, 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 Lenders19
Total Loans12,704
Median Rate Spread0.34%

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RankLenderOverallPricingProductPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company
Exceptional
Strong
Exceptional
Exceptional
Exceptional
$2,490Fees
0.327%Above
996
2
ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company
Exceptional
Sound
Exceptional
Exceptional
Strong
$2,717Fees
0.386%Above
184
3
GUARANTEED RATE, INC.Independent Mortgage Company
Exceptional
Strong
Exceptional
Strong
Sound
$1,830Fees
0.188%Above
60
4
FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company
Exceptional
Strong
Exceptional
Strong
Sound
$3,151Fees
0.268%Above
53
5
PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company
Exceptional
Strong
Exceptional
Strong
Sound
$1,685Fees
0.203%Below
49
6
ROCKET MORTGAGE, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Exceptional
Exceptional
$3,851Fees
0.377%Above
912
7
NORTHERN MORTGAGE SERVICES, LLCIndependent Mortgage Company
Strong
Acceptable
Strong
Exceptional
Exceptional
$4,046Fees
0.370%Above
338
8
FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company
Strong
Acceptable
Exceptional
Exceptional
Strong
$3,118Fees
0.522%Above
224
9
NEWREZ LLCIndependent Mortgage Company
Strong
Sound
Exceptional
Strong
Sound
$2,348Fees
0.536%Above
74
10
LOANDEPOT.COM, LLCIndependent Mortgage Company
Strong
Sound
Exceptional
Strong
Sound
$2,921Fees
0.273%Above
54
11
MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company
Strong
Sound
Exceptional
Strong
Sound
$1,639Fees
0.104%Above
39
12
UNION HOME MORTGAGE CORP.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$3,005Fees
0.786%Above
166
13
FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company
Strong
Acceptable
Exceptional
Exceptional
Sound
$2,608Fees
0.435%Above
97
14
MORTGAGE 1 INCORPORATEDIndependent Mortgage Company
Strong
Acceptable
Strong
Strong
Strong
$2,711Fees
0.438%Above
356
15
CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Sound
$2,484Fees
0.481%Above
100
16
Mortgage Research Center, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Sound
$1,464Fees
0.623%Above
96
17
CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Sound
Sound
$5,323Fees
0.370%Above
43
18
SUCCESS MORTGAGE PARTNERS, INC.Independent Mortgage Company
Sound
Mediocre
Strong
Strong
Strong
$4,882Fees
0.663%Above
175
19
NEW AMERICAN FUNDING, LLCIndependent Mortgage Company
Sound
Mediocre
Exceptional
Sound
Sound
$2,942Fees
0.904%Above
28

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.