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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 Lakewood
Updated February 5, 2026
Market Overview
204
Total Lenders
24,796
Total Loans
0.31%
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 | $2,026 | +0.163% | 1,644 | |
2 | NJ LENDERS CORP. | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,746 | +0.021% | 502 | |
3 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,784 | +0.095% | 731 | |
4 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,809 | +0.258% | 517 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $389 | -0.453% | 124 | |
6 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,212 | +0.068% | 527 | |
7 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,580 | +0.356% | 448 | |
8 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,614 | +0.468% | 419 | |
9 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $1,925 | +0.059% | 274 | |
10 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,351 | +0.180% | 242 | |
11 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,471 | +0.276% | 199 | |
12 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,497 | +0.202% | 592 | |
13 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,334 | +0.193% | 2,121 | |
14 | Advisors Mortgage Group, L.L.C. | Strong | Sound | Strong | Strong | Exceptional | $2,168 | +0.246% | 985 | |
15 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,301 | +0.420% | 630 | |
16 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,086 | +0.345% | 337 | |
17 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Strong | $3,092 | +0.517% | 296 | |
18 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $457 | -0.131% | 127 | |
19 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,110 | +0.320% | 1,433 | |
20 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,570 | +0.246% | 209 | |
21 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,259 | +0.968% | 118 | |
22 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Strong | Strong | $2,416 | +0.328% | 181 | |
23 | ABSOLUTE HOME MORTGAGE CORPORATION | Strong | Mediocre | Strong | Strong | Exceptional | $3,217 | +0.347% | 399 | |
24 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $5,605 | +0.838% | 63 | |
25 | BOND STREET MORTGAGE, LLC | Sound | Acceptable | Sound | Sound | Strong | $2,582 | +0.298% | 160 | |
26 | The Federal Savings Bank | Sound | Mediocre | Exceptional | Sound | Strong | $4,151 | +0.334% | 146 |
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.
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