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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 Warren
Updated February 5, 2026
Market Overview
167
Total Lenders
32,884
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 | $2,135 | +0.360% | 6,648 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $755 | -0.472% | 120 | |
3 | University Bank | Exceptional | Strong | Exceptional | Exceptional | Strong | $1,898 | +0.610% | 101 | |
4 | LAKE MICHIGAN CREDIT UNION | Exceptional | Strong | Strong | Strong | Exceptional | $970 | -0.086% | 1,018 | |
5 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $118 | +0.261% | 625 | |
6 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,202 | +0.297% | 313 | |
7 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,085 | +0.351% | 171 | |
8 | Flagstar Bank, N.A. | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,831 | +0.437% | 926 | |
9 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,633 | +0.269% | 805 | |
10 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,345 | +0.531% | 127 | |
11 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Sound | $1,567 | +0.182% | 102 | |
12 | M/I FINANCIAL, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,316 | -0.174% | 93 | |
13 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,822 | +0.331% | 4,709 | |
14 | STAUNTON FINANCIAL, INC. | Strong | Sound | Strong | Strong | Exceptional | $1,799 | +0.218% | 788 | |
15 | MICHIGAN MUTUAL, INC. | Strong | Sound | Strong | Strong | Exceptional | $2,209 | +0.625% | 543 | |
16 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,234 | +0.525% | 414 | |
17 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,124 | +0.472% | 197 | |
18 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,898 | +0.388% | 177 | |
19 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $1,666 | +0.475% | 129 | |
20 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,767 | +0.703% | 910 | |
21 | First State Bank | Strong | Sound | Sound | Strong | Exceptional | $1,241 | +0.180% | 601 | |
22 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,595 | +0.492% | 233 | |
23 | MORTGAGE 1 INCORPORATED | Strong | Acceptable | Strong | Strong | Exceptional | $2,463 | +0.509% | 1,181 | |
24 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,795 | +0.693% | 618 | |
25 | MORTGAGE CENTER L.C | Strong | Acceptable | Strong | Strong | Exceptional | $1,213 | -0.041% | 353 | |
26 | The Dart Bank | Strong | Acceptable | Strong | Exceptional | Strong | $1,639 | +0.203% | 291 | |
27 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,556 | +0.670% | 281 | |
28 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,457 | +0.407% | 206 | |
29 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $2,277 | +0.545% | 300 | |
30 | ROSS MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $2,433 | +0.358% | 286 | |
31 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,164 | +0.994% | 81 | |
32 | PRESTON HOME LOANS INC | Sound | Mediocre | Strong | Strong | Strong | $3,322 | +0.753% | 222 | |
33 | SUCCESS MORTGAGE PARTNERS, INC. | Sound | Mediocre | Strong | Strong | Strong | $3,863 | +0.539% | 188 | |
34 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $2,663 | +0.631% | 115 |
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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