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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 Company Lenders in Michigan

Updated February 6, 2026

Market Overview

Total Lenders

112,266

Total Loans

0.41%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$2,231	+0.414%	14,800
2	GUARANTEED RATE, INC.	Exceptional	Strong	Exceptional	Strong	Strong	$2,071	+0.334%	923
3	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Strong	$2,191	+0.489%	568
4	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Strong	Strong	$2,071	+0.110%	449
5	AMERICAN FINANCIAL NETWORK, INC.	Exceptional	Strong	Exceptional	Strong	Strong	$1,590	+0.912%	434
6	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,148	+0.439%	457
7	CMG MORTGAGE, INC.	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,272	+0.515%	373
8	TOWNE MORTGAGE COMPANY	Exceptional	Sound	Exceptional	Exceptional	Strong	$1,928	+0.456%	311
9	PRIMELENDING, A PLAINSCAPITAL COMPANY	Exceptional	Sound	Exceptional	Exceptional	Strong	$3,731	+0.615%	263
10	MOVEMENT MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,308	+0.690%	239
11	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,007	+0.426%	14,284
12	STAUNTON FINANCIAL, INC.	Strong	Sound	Strong	Strong	Exceptional	$1,965	+0.335%	1,989
13	NEWREZ LLC	Strong	Sound	Exceptional	Strong	Strong	$2,204	+0.577%	1,040
14	MICHIGAN MUTUAL, INC.	Strong	Sound	Strong	Strong	Exceptional	$2,282	+0.638%	918
15	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,883	+0.420%	670
16	THE LOAN STORE, INC.	Strong	Sound	Exceptional	Strong	Strong	$1,527	+0.442%	573
17	PLAZA HOME MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Strong	$2,084	+0.510%	374
18	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Strong	$1,941	+0.309%	282
19	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,000	+0.809%	2,797
20	Mortgage Research Center, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,753	+0.748%	1,673
21	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,792	+0.547%	917
22	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,704	+0.557%	246
23	MORTGAGE 1 INCORPORATED	Strong	Acceptable	Strong	Strong	Exceptional	$2,750	+0.558%	3,179
24	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,411	+0.709%	1,686
25	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION	Strong	Acceptable	Strong	Strong	Exceptional	$2,352	+0.553%	991
26	MORTGAGE CENTER L.C	Strong	Acceptable	Strong	Strong	Exceptional	$1,210	+0.126%	923
27	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,473	+0.526%	669
28	RUOFF MORTGAGE COMPANY, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,074	+0.382%	615
29	ROSS MORTGAGE CORPORATION	Strong	Acceptable	Strong	Strong	Exceptional	$2,234	+0.445%	597
30	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,168	+0.544%	526
31	GVC MORTGAGE, INC.	Strong	Acceptable	Strong	Exceptional	Strong	$3,178	+0.861%	441
32	NORTHERN MORTGAGE SERVICES, LLC	Strong	Acceptable	Strong	Exceptional	Strong	$3,853	+0.390%	431
33	DAS Acquisition Company, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,966	+0.665%	352
34	CALCON MUTUAL MORTGAGE LLC	Strong	Acceptable	Strong	Strong	Strong	$3,140	+0.635%	365
35	CARRINGTON MORTGAGE SERVICES, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$3,913	+0.474%	327
36	Equity Prime Mortgage LLC	Strong	Acceptable	Exceptional	Sound	Strong	$3,362	+1.227%	294
37	PRESTON HOME LOANS INC	Strong	Mediocre	Strong	Strong	Exceptional	$2,818	+0.840%	989
38	SUCCESS MORTGAGE PARTNERS, INC.	Strong	Mediocre	Strong	Strong	Exceptional	$4,150	+0.565%	866
39	J. VIRGIL, INC.	Strong	Mediocre	Strong	Strong	Exceptional	$2,772	+0.672%	649
40	AMERICAN PACIFIC MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Strong	Strong	$4,240	+0.734%	242
41	AMERISAVE MORTGAGE CORPORATION	Strong	Acceptable	Strong	Sound	Strong	$3,220	+0.799%	232
42	NEW AMERICAN FUNDING, LLC	Sound	Mediocre	Exceptional	Sound	Strong	$2,781	+0.747%	547
43	CHURCHILL MORTGAGE CORPORATION	Sound	Mediocre	Strong	Strong	Strong	$3,708	+0.457%	526
44	THE MORTGAGE LINK, INC.	Sound	Mediocre	Strong	Strong	Strong	$2,289	+0.652%	507
45	BLG HOLDINGS, INC.	Sound	Mediocre	Sound	Strong	Exceptional	$3,169	+0.654%	447
46	VAN DYK MORTGAGE CORPORATION	Sound	Mediocre	Strong	Strong	Strong	$2,405	+0.521%	395
47	NEW DAY FINANCIAL, LLC	Sound	Mediocre	Exceptional	Sound	Strong	$4,108	+1.103%	236
48	ROYAL UNITED MORTGAGE LLC	Sound	Mediocre	Strong	Sound	Strong	$2,462	+0.804%	267

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)

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.

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