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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 Michigan

Updated February 6, 2026

Market Overview

309

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	Fifth Third Bank, National Association	Exceptional	Exceptional	Strong	Strong	Exceptional	$668	+0.326%	1,528
3	The Huntington National Bank	Exceptional	Strong	Exceptional	Strong	Exceptional	$243	+0.391%	3,007
4	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Strong	$573	-0.489%	503
5	University Bank	Exceptional	Strong	Exceptional	Exceptional	Strong	$1,826	+0.455%	317
6	LAKE MICHIGAN CREDIT UNION	Exceptional	Strong	Strong	Strong	Exceptional	$1,074	-0.051%	6,220
7	JPMorgan Chase Bank, National Association	Exceptional	Strong	Exceptional	Sound	Exceptional	$1,775	+0.318%	2,049
8	GUARANTEED RATE, INC.	Exceptional	Strong	Exceptional	Strong	Strong	$2,071	+0.334%	923
9	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Strong	$2,191	+0.489%	568
10	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Strong	Strong	$2,071	+0.110%	449
11	AMERICAN FINANCIAL NETWORK, INC.	Exceptional	Strong	Exceptional	Strong	Strong	$1,590	+0.912%	434
12	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Strong	$128	+0.124%	373
13	Flagstar Bank, N.A.	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,816	+0.487%	2,869
14	Independent Bank	Exceptional	Strong	Sound	Strong	Exceptional	$1,136	+0.254%	1,300
15	MICHIGAN FIRST CREDIT UNION	Exceptional	Strong	Sound	Strong	Exceptional	$1,362	+0.321%	777
16	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,148	+0.439%	457
17	CMG MORTGAGE, INC.	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,272	+0.515%	373
18	TOWNE MORTGAGE COMPANY	Exceptional	Sound	Exceptional	Exceptional	Strong	$1,928	+0.456%	311
19	USAA Federal Savings Bank	Exceptional	Strong	Exceptional	Sound	Strong	$1,635	-0.155%	292
20	PRIMELENDING, A PLAINSCAPITAL COMPANY	Exceptional	Sound	Exceptional	Exceptional	Strong	$3,731	+0.615%	263
21	MOVEMENT MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,308	+0.690%	239
22	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,007	+0.426%	14,284
23	STAUNTON FINANCIAL, INC.	Strong	Sound	Strong	Strong	Exceptional	$1,965	+0.335%	1,989
24	NEWREZ LLC	Strong	Sound	Exceptional	Strong	Strong	$2,204	+0.577%	1,040
25	MICHIGAN MUTUAL, INC.	Strong	Sound	Strong	Strong	Exceptional	$2,282	+0.638%	918
26	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,883	+0.420%	670
27	THE LOAN STORE, INC.	Strong	Sound	Exceptional	Strong	Strong	$1,527	+0.442%	573
28	PLAZA HOME MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Strong	$2,084	+0.510%	374
29	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Strong	$1,941	+0.309%	282
30	Plains Commerce Bank	Strong	Sound	Exceptional	Strong	Strong	$1,942	+0.483%	261
31	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,000	+0.809%	2,797
32	The Dart Bank	Strong	Acceptable	Strong	Exceptional	Exceptional	$1,638	+0.214%	1,842
33	Mortgage Research Center, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,753	+0.748%	1,673
34	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,792	+0.547%	917
35	First State Bank	Strong	Sound	Sound	Strong	Exceptional	$1,290	+0.214%	877
36	Northpointe Bank	Strong	Sound	Strong	Strong	Strong	$2,485	+0.280%	332
37	Wells Fargo Bank, National Association	Strong	Sound	Exceptional	Sound	Strong	$2,402	+0.155%	274
38	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,704	+0.557%	246
39	MORTGAGE 1 INCORPORATED	Strong	Acceptable	Strong	Strong	Exceptional	$2,750	+0.558%	3,179
40	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,411	+0.709%	1,686
41	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION	Strong	Acceptable	Strong	Strong	Exceptional	$2,352	+0.553%	991
42	MORTGAGE CENTER L.C	Strong	Acceptable	Strong	Strong	Exceptional	$1,210	+0.126%	923
43	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,473	+0.526%	669
44	RUOFF MORTGAGE COMPANY, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,074	+0.382%	615
45	ROSS MORTGAGE CORPORATION	Strong	Acceptable	Strong	Strong	Exceptional	$2,234	+0.445%	597
46	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,168	+0.544%	526
47	PNC Bank, National Association	Strong	Sound	Strong	Sound	Strong	-$210	+0.193%	526
48	GVC MORTGAGE, INC.	Strong	Acceptable	Strong	Exceptional	Strong	$3,178	+0.861%	441
49	NORTHERN MORTGAGE SERVICES, LLC	Strong	Acceptable	Strong	Exceptional	Strong	$3,853	+0.390%	431
50	DAS Acquisition Company, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,966	+0.665%	352

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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