Safe Rate Rankings

Best VA Mortgage Lenders in Warren

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ 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.

Market

Total Lenders167

Total Loans32,884

Median Rate Spread0.34%

Warren Market Insights

United Wholesale Mortgage is Safe Rate's top-ranked VA lender in Warren, leading on pricing, pullthrough, VA product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Warren, Navy Federal Credit Union and Guaranteed Rate scores highest on VA pricing while University Bank and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #1 in Warren, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Warren: Rocket Mortgage (#6) and United Wholesale Mortgage (#1).

Explore Rankings by Type

Overall Rankings

All lenders in Warren

Need rankings for a different loan product?

FHA Loans Conventional Loans Jumbo Loans USDA Loans

By Institution Type

Banks Credit Unions Mortgage Companies

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Exceptional	Strong*	Exceptional	Exceptional	Exceptional	$2,135Fees	0.360%Above	6,648
2	LAKE MICHIGAN CREDIT UNION Credit UnionDirect	Exceptional	Strong	Strong	Strong	Exceptional	$970Fees	0.086%Below	1,018
3	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Strong	Exceptional	Strong	Strong	$2,202Fees	0.297%Above	313
4	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Strong	$755Fees	0.472%Below	120
5	University Bank BankDirect	Strong	Strong	Exceptional	Exceptional	Strong	$1,898Fees	0.610%Above	101
6	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$2,822Fees	0.331%Above	4,709
7	The Huntington National Bank BankDirect	Strong	Strong	Exceptional	Strong	Strong	$118Fees	0.261%Above	625
8	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$1,831Fees	0.437%Above	926
9	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Strong*	Exceptional	Sound	Strong	$1,633Fees	0.269%Above	805
10	STAUNTON FINANCIAL, INC. Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	Exceptional	$1,799Fees	0.218%Above	788
11	MICHIGAN MUTUAL, INC. Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	Exceptional	$2,209Fees	0.625%Above	543
12	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Exceptional	Strong	$2,345Fees	0.531%Above	127
13	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Strong	Strong	$2,085Fees	0.351%Above	171
14	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,898Fees	0.388%Above	177
15	UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Exceptional	$2,767Fees	0.703%Above	910
16	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,234Fees	0.525%Above	414
17	FIRST COMMUNITY MORTGAGE, INC. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Strong	$2,595Fees	0.492%Above	233
18	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,795Fees	0.693%Above	618
19	First State Bank BankDirect	Strong	Sound	Sound	Strong	Exceptional	$1,241Fees	0.180%Above	601
20	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Strong	Sound	$1,567Fees	0.182%Above	102
21	M/I FINANCIAL, LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Exceptional	Strong	$3,316Fees	0.174%Below	93
22	MORTGAGE 1 INCORPORATED Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	Exceptional	$2,463Fees	0.509%Above	1,181
23	The Dart Bank BankDirect	Strong	Acceptable	Strong	Exceptional	Strong	$1,639Fees	0.203%Above	291
24	Mortgage Research Center, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$1,556Fees	0.670%Above	281
25	Plains Commerce Bank BankWholesale	Strong	Sound*	Exceptional	Strong	Strong	$1,666Fees	0.475%Above	129
26	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Strong	Strong	Strong	$2,277Fees	0.545%Above	300
27	PLAZA HOME MORTGAGE, INC. Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,124Fees	0.472%Above	197
28	ROSS MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	Strong	$2,433Fees	0.358%Above	286
29	MORTGAGE CENTER L.C Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	Exceptional	$1,213Fees	0.041%Below	353
30	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,457Fees	0.407%Above	206
31	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Sound	Strong	$2,663Fees	0.631%Above	115
32	SUCCESS MORTGAGE PARTNERS, INC. Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Strong	Strong	$3,863Fees	0.539%Above	188
33	Equity Prime Mortgage LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	Sound	$4,164Fees	0.994%Above	81
34	PRESTON HOME LOANS INC Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Strong	Strong	$3,322Fees	0.753%Above	222

❓ Frequently Asked Questions

How are mortgage lenders ranked in Warren?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Warren), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Warren?+

Based on 2024 HMDA data, 167 lenders originated a combined 32,884 loans in Warren. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Warren?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Warren is 0.34%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Warren's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.