🛡️
Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best VA Mortgage Lenders in Grand Rapids
Updated February 5, 2026
Market Overview
102
Total Lenders
12,704
Total Loans
0.34%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,490 | +0.327% | 996 | |
2 | Fifth Third Bank, National Association | Exceptional | Exceptional | Strong | Strong | Strong | $739 | +0.201% | 444 | |
3 | LAKE MICHIGAN CREDIT UNION | Exceptional | Strong | Strong | Strong | Exceptional | $1,061 | -0.077% | 2,736 | |
4 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $215 | +0.355% | 377 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $705 | -0.452% | 36 | |
6 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,717 | +0.386% | 184 | |
7 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Sound | $1,830 | +0.188% | 60 | |
8 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $3,151 | +0.268% | 53 | |
9 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Sound | $1,685 | -0.203% | 49 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,851 | +0.377% | 912 | |
11 | Independent Bank | Strong | Strong | Sound | Strong | Strong | $1,061 | +0.211% | 316 | |
12 | MICHIGAN FIRST CREDIT UNION | Strong | Strong | Sound | Strong | Strong | $1,507 | +0.177% | 120 | |
13 | USAA Federal Savings Bank | Strong | Strong | Exceptional | Sound | Sound | $2,307 | -0.260% | 29 | |
14 | NORTHERN MORTGAGE SERVICES, LLC | Strong | Acceptable | Strong | Exceptional | Exceptional | $4,046 | +0.370% | 338 | |
15 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,118 | +0.522% | 224 | |
16 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Sound | $2,348 | +0.536% | 74 | |
17 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $2,921 | +0.273% | 54 | |
18 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $1,639 | +0.104% | 39 | |
19 | The Dart Bank | Strong | Acceptable | Strong | Exceptional | Strong | $2,028 | +0.183% | 242 | |
20 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,005 | +0.786% | 166 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,608 | +0.435% | 97 | |
22 | MORTGAGE 1 INCORPORATED | Strong | Acceptable | Strong | Strong | Strong | $2,711 | +0.438% | 356 | |
23 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,484 | +0.481% | 100 | |
24 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,464 | +0.623% | 96 | |
25 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $5,323 | +0.370% | 43 | |
26 | SUCCESS MORTGAGE PARTNERS, INC. | Sound | Mediocre | Strong | Strong | Strong | $4,882 | +0.663% | 175 | |
27 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $2,942 | +0.904% | 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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
Grand RapidsVA
No credit impact
3-minute process
100% free