Lenders handling the most VA-guaranteed loan applications for veterans and service members.
| # | Lender | Grade | VA applications | Applications | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Mortgage Research CenterColumbia, MO | C | 157,851 | 178,189 | 18.4% | 6.25% |
| 2 | United Shore Financial ServicesPlymouth, MI | B | 96,813 | 576,710 | 12.1% | 6.38% |
| 3 | Freedom MortgageBoca Raton, FL | B | 70,779 | 165,453 | 8.6% | 6.25% |
| 4 | Rocket MortgagePlymouth, MI | C | 47,464 | 601,267 | 18.4% | 6.75% |
| 5 | New Day FinancialWest Palm Beach, FL | F | 43,675 | 45,454 | 23.9% | 6.99% |
| 6 | Navy Federal Credit UnionVienna, VA | D | 36,669 | 179,597 | 22.5% | 7.65% |
| 7 | Pennymac Loan ServicesWestlake Village, CA | C | 32,619 | 193,807 | 12.3% | 6.49% |
| 8 | NewrezWilmington, DE | D | 27,972 | 187,595 | 19.5% | 6.63% |
| 9 | Village Capital & InvestmentHenderson, NV | C | 20,092 | 32,888 | 19.5% | 5.75% |
| 10 | Crosscountry MortgageCleveland, OH | B | 16,455 | 190,471 | 4.1% | 6.63% |
| 11 | Dhi Mortgage CompanyArlington, TX | B | 16,080 | 102,267 | 13.4% | 4.99% |
| 12 | USAA Federal Savings BankPhoenix, AZ | C | 16,052 | 26,635 | 26.4% | 6.38% |
| 13 | Loandepot.ComIrvine, CA | D | 12,884 | 155,259 | 22.0% | 6.63% |
| 14 | The Federal Savings BankChicago, IL | C | 12,731 | 20,930 | 9.6% | 6.50% |
| 15 | Guaranteed RateChicago, IL | B | 10,864 | 129,106 | 5.7% | 6.58% |
| 16 | Lakeview Loan ServicingCoral Gables, FL | C | 10,683 | 70,176 | 51.3% | 6.38% |
| 17 | Broker SolutionsTustin, CA | D | 9,996 | 140,813 | 9.2% | 6.75% |
| 18 | CMG MortgageSan Ramon, CA | A | 9,943 | 104,189 | 4.4% | 6.63% |
| 19 | Guild MortgageSan Diego, CA | A | 9,786 | 120,556 | 3.8% | 6.62% |
| 20 | Movement MortgageLancaster, SC | A | 8,828 | 81,084 | 4.1% | 6.63% |
| 21 | Fairway Independent MortgageMadison, WI | B | 8,434 | 101,319 | 4.8% | 6.63% |
| 22 | Equity Prime MortgageAtlanta, GA | D | 8,165 | 28,388 | 10.4% | 6.63% |
| 23 | Lennar MortgageMiami, FL | A | 7,818 | 77,363 | 14.4% | 4.88% |
| 24 | Carrington Mortgage ServicesOrange, CA | D | 7,054 | 52,211 | 44.5% | 6.63% |
| 25 | Mortgage Solutions of ColoradoColorado Springs, CO | C | 6,586 | 9,773 | 4.7% | 7.25% |
| 26 | AmeriSave MortgageSandy Springs, GA | D | 6,052 | 94,390 | 62.0% | 8.00% |
| 27 | LoanUnited.comDuluth, GA | C | 5,658 | 11,293 | 8.0% | 6.00% |
| 28 | Planet Home LendingMeriden, CT | B | 5,496 | 18,891 | 16.6% | 6.13% |
| 29 | Mutual of Omaha MortgageSan Diego, CA | C | 4,839 | 41,758 | 17.6% | 6.38% |
| 30 | Union Home MortgageStrongsville, OH | B | 4,615 | 50,973 | 5.4% | 6.63% |
| 31 | Nationstar MortgageCoppell, TX | C | 4,375 | 79,599 | 15.6% | 7.63% |
| 32 | Kind LendingIrvine, CA | C | 3,998 | 45,648 | 24.4% | 6.63% |
| 33 | Sun West Mortgage CompanyCerritos, CA | B | 3,502 | 16,270 | 12.9% | 6.25% |
| 34 | Prosperity Home MortgageFairfax, VA | A | 3,406 | 28,926 | 6.2% | 6.50% |
| 35 | LowerColumbia, MD | C | 3,334 | 29,643 | 9.9% | 6.63% |
| 36 | Pentagon Federal Credit UnionMclean, VA | F | 3,295 | 26,508 | 36.7% | 7.50% |
| 37 | NVR Mortgage FinanceReston, VA | B | 3,055 | 23,048 | 18.6% | 6.25% |
| 38 | Pulte MortgageWilmington, DE | A | 3,052 | 27,444 | 12.5% | 5.63% |
| 39 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 2,993 | 20,196 | 2.7% | 6.50% |
| 40 | Primelending, a PlainscapitalDallas, TX | A | 2,988 | 33,320 | 5.5% | 6.50% |
| 41 | American Pacific MortgageRoseville, CA | C | 2,845 | 34,243 | 8.3% | 6.63% |
| 42 | Barrington Bank & Trust CompanyBarrington, IL | C | 2,588 | 11,708 | 6.7% | 6.63% |
| 43 | Clearpath LendingIrvine, CA | B | 2,546 | 2,656 | 9.2% | 5.75% |
| 44 | PHH MortgageMount Laurel, NJ | C | 2,527 | 20,434 | 8.6% | 6.25% |
| 45 | Paramount Residential Mortgage GroupCorona, CA | B | 2,436 | 34,318 | 3.6% | 6.50% |
| 46 | Plaza Home MortgageSan Diego, CA | C | 2,427 | 23,886 | 27.8% | 6.63% |
| 47 | Allied First Bank,sbOswego, IL | F | 2,325 | 3,266 | 30.1% | 3.00% |
| 48 | American Neighborhood Mortgage Acceptance CompanyMount Laurel, NJ | B | 2,286 | 18,919 | 2.3% | 6.63% |
| 49 | NFMLinthicum, MD | A | 2,256 | 24,275 | 1.8% | 6.63% |
| 50 | GoodLeapRoseville, CA | C | 2,237 | 21,298 | 22.7% | 6.63% |
| 51 | Atlantic Bay Mortgage GroupVirginia Beach, VA | A | 2,195 | 16,714 | 1.5% | 6.62% |
| 52 | American Financial ResourcesParsippany-Troy Hills, NJ | B | 2,168 | 15,898 | 5.7% | 6.50% |
| 53 | NBKC BankKansas, MO | B | 2,167 | 11,823 | 11.4% | 6.13% |
| 54 | Texana BankLinden, TX | C | 2,081 | 6,074 | 4.4% | 6.50% |
| 55 | Flat Branch MortgageColumbia, MO | A | 2,018 | 18,921 | 1.0% | 6.50% |
| 56 | American Financial NetworkBrea, CA | C | 2,009 | 22,722 | 10.7% | 6.75% |
| 57 | Magnolia BankHodgenville, KY | C | 1,888 | 5,575 | 8.5% | 6.38% |
| 58 | American FinancingAurora, CO | D | 1,802 | 26,784 | 46.6% | 6.25% |
| 59 | JPMorgan Chase BankColumbus, OH | B | 1,738 | 152,415 | 10.4% | 6.38% |
| 60 | Canopy MortgageLindon, UT | B | 1,732 | 13,413 | 2.1% | 6.38% |
| 61 | Guaranteed Rate AffinityChicago, IL | A | 1,710 | 24,672 | 4.8% | 6.55% |
| 62 | First Federal BankLake City, FL | B | 1,669 | 7,989 | 9.2% | 6.25% |
| 63 | Homebridge Financial ServicesIselin, NJ | B | 1,668 | 25,005 | 16.2% | 10.04% |
| 64 | Armed Forces BankFort Leavenworth, MO | C | 1,652 | 2,342 | 14.8% | 6.13% |
| 65 | Zillow Home LoansIrvine, CA | B | 1,629 | 20,147 | 5.8% | 6.50% |
| 66 | Plains Commerce BankSioux Falls, SD | B | 1,616 | 20,196 | 6.9% | 6.50% |
| 67 | U.S. BankCincinnati, OH | D | 1,610 | 151,832 | 33.1% | 6.88% |
| 68 | Jet HomeloansJacksonville, FL | A | 1,603 | 8,280 | 4.2% | 4.99% |
| 69 | Kbhs Home LoansIrving, TX | B | 1,593 | 12,875 | 7.5% | 5.99% |
| 70 | Ameris BankAtlanta, GA | B | 1,579 | 18,359 | 8.5% | 6.49% |
| 71 | Everett FinancialDallas, | C | 1,502 | 28,292 | 5.7% | 6.75% |
| 72 | Mid-Continent FundingColumbia, | B | 1,465 | 1,627 | 6.6% | 6.50% |
| 73 | Wells Fargo BankCharlotte, NC | B | 1,442 | 76,355 | 15.6% | 6.25% |
| 74 | Vanderbilt Mortgage and FinanceMaryville, TN | F | 1,319 | 121,666 | 39.3% | 8.75% |
| 75 | Inspire Home LoansNewport Beach, CA | B | 1,312 | 9,059 | 10.6% | 4.88% |
| 76 | Lakeview Community CapitalTucson, AZ | A | 1,268 | 4,931 | 1.7% | 6.25% |
| 77 | HomePromiseFairfax, VA | F | 1,267 | 1,334 | 48.0% | 7.13% |
| 78 | Cornerstone Capital BankHouston, TX | A | 1,253 | 9,635 | 1.8% | 6.49% |
| 79 | Homeamerican MortgageDenver, CO | A | 1,221 | 6,819 | 8.5% | 4.50% |
| 80 | First Heritage MortgageFairfax, VA | A | 1,198 | 9,119 | 3.6% | 6.38% |
| 81 | Cardinal Financial Company, Limited PartnershipCharlotte, NC | B | 1,195 | 17,863 | 10.2% | 6.63% |
| 82 | The Loan StoreSan Francisco, CA | B | 1,175 | 58,895 | 10.9% | 6.88% |
| 83 | Manufacturers and Traders TrustBuffalo, NY | C | 1,174 | 40,597 | 29.7% | 5.99% |
| 84 | First Community MortgageMurfreesboro, TN | A | 1,170 | 13,447 | 6.5% | 6.50% |
| 85 | Fbc MortgageOrlando, FL | B | 1,104 | 8,168 | 5.2% | 5.99% |
| 86 | T2 FinancialWesterville, OH | B | 1,093 | 12,022 | 6.1% | 6.63% |
| 87 | Atlantic Coast MortgageFairfax, VA | A | 1,049 | 7,219 | 1.8% | 6.49% |
| 88 | Primary Residential MortgageSalt Lake City, UT | C | 1,039 | 13,770 | 5.6% | 6.63% |
| 89 | Gateway First BankJenks, OK | B | 1,029 | 11,008 | 4.1% | 6.63% |
| 90 | Towne MortgageTroy, MI | B | 1,014 | 9,458 | 4.1% | 6.38% |
| 91 | Waterstone MortgageBrookfield, WI | C | 1,007 | 9,629 | 3.6% | 6.63% |
| 92 | Envoy MortgageHouston, TX | D | 1,007 | 9,727 | 16.7% | 6.63% |
| 93 | Velocio MortgageSan Antonio, TX | A | 978 | 6,808 | 3.5% | 4.25% |
| 94 | Stockton MortgageFrankfort, KY | D | 970 | 11,060 | 7.9% | 6.63% |
| 95 | Gold Star Mortgage Financial GroupAnn Arbor, MI | C | 967 | 11,134 | 3.5% | 6.63% |
| 96 | Calcon Mutual MortgageSan Diego, CA | D | 960 | 7,571 | 11.4% | 6.50% |
| 97 | Flagstar BankHicksville, NY | C | 956 | 19,118 | 28.2% | 6.62% |
| 98 | Amerihome Mortgage CompanyThousand Oaks, CA | B | 942 | 15,379 | 9.3% | 6.50% |
| 99 | V.i.p. MortgageScottsdale, AZ | B | 939 | 9,475 | 2.4% | 6.50% |
| 100 | Taylor Morrison Home FundingMaitland, FL | A | 929 | 12,508 | 13.0% | 5.50% |
Ordered by the number of applications of this type received in 2025. All figures come from the lenders' own HMDA filings. Full methodology.
