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 | 2,422 | 2,767 | 18.3% | 6.25% |
| 2 | New Day FinancialWest Palm Beach, FL | F | 903 | 943 | 21.7% | 6.99% |
| 3 | United Shore Financial ServicesPlymouth, MI | B | 834 | 2,456 | 13.3% | 6.12% |
| 4 | Freedom MortgageBoca Raton, FL | B | 814 | 1,672 | 8.4% | 6.25% |
| 5 | Rocket MortgagePlymouth, MI | C | 609 | 5,854 | 20.1% | 6.63% |
| 6 | Pennymac Loan ServicesWestlake Village, CA | C | 403 | 2,076 | 12.4% | 6.38% |
| 7 | Navy Federal Credit UnionVienna, VA | D | 355 | 1,057 | 17.3% | 6.50% |
| 8 | Village Capital & InvestmentHenderson, NV | C | 282 | 394 | 17.0% | 5.75% |
| 9 | USAA Federal Savings BankPhoenix, AZ | C | 269 | 425 | 24.7% | 6.38% |
| 10 | Arvest BankFayetteville, AR | C | 260 | 9,748 | 14.4% | 7.00% |
| 11 | NewrezWilmington, DE | D | 254 | 1,306 | 19.1% | 6.31% |
| 12 | Firsttrust Home LoansSheridan, AR | B | 239 | 2,590 | 0.5% | 6.49% |
| 13 | Flat Branch MortgageColumbia, MO | A | 198 | 1,840 | 0.4% | 6.49% |
| 14 | The Federal Savings BankChicago, IL | C | 183 | 230 | 10.0% | 6.25% |
| 15 | Mortgage Solutions of ColoradoColorado Springs, CO | C | 141 | 181 | 4.4% | 7.75% |
| 16 | AmeriSave MortgageSandy Springs, GA | D | 128 | 1,359 | 63.4% | 7.38% |
| 17 | Eagle Bank and TrustLittle Rock, AR | A | 119 | 1,305 | 5.5% | 6.50% |
| 18 | Equity Prime MortgageAtlanta, GA | D | 116 | 292 | 8.6% | 6.50% |
| 19 | Fairway Independent MortgageMadison, WI | B | 114 | 1,864 | 6.0% | 6.49% |
| 20 | Click n' CloseAddison, TX | C | 103 | 672 | 2.7% | 6.25% |
| 21 | Broker SolutionsTustin, CA | D | 101 | 1,268 | 10.8% | 6.88% |
| 22 | Centennial BankConway, AR | D | 101 | 2,104 | 16.1% | 6.63% |
| 23 | Dhi Mortgage CompanyArlington, TX | B | 100 | 1,080 | 12.1% | 5.50% |
| 24 | Loandepot.ComIrvine, CA | D | 91 | 1,036 | 34.9% | 6.75% |
| 25 | Eustis MortgageNew Orleans, LA | B | 86 | 594 | 0.3% | 6.50% |
| 26 | Carrington Mortgage ServicesOrange, CA | D | 82 | 493 | 45.6% | 6.50% |
| 27 | Highlands Residential MortgageAllen, TX | B | 79 | 851 | 0.8% | 6.63% |
| 28 | Crosscountry MortgageCleveland, OH | B | 76 | 734 | 4.6% | 6.63% |
| 29 | First Horizon BankMemphis, TN | B | 69 | 972 | 17.6% | 6.50% |
| 30 | Lakeview Loan ServicingCoral Gables, FL | C | 67 | 388 | 45.4% | 6.63% |
| 31 | Mutual of Omaha MortgageSan Diego, CA | C | 64 | 492 | 18.5% | 6.38% |
| 32 | Nationstar MortgageCoppell, TX | C | 64 | 744 | 13.8% | 7.69% |
| 33 | Clearpath LendingIrvine, CA | B | 63 | 65 | 10.8% | 5.75% |
| 34 | First Community BankBatesville, AR | C | 61 | 1,844 | 4.8% | 6.99% |
| 35 | Sente MortgageAustin, TX | C | 60 | 218 | 0.5% | 6.63% |
| 36 | Chambers BankDanville, AR | C | 60 | 423 | 10.4% | — |
| 37 | Planet Home LendingMeriden, CT | B | 59 | 191 | 20.9% | 5.99% |
| 38 | T2 FinancialWesterville, OH | B | 59 | 350 | 4.0% | 6.63% |
| 39 | Guaranteed RateChicago, IL | B | 58 | 514 | 6.8% | 6.50% |
| 40 | ARKANSAS Federal Credit UnionLittle Rock, AR | F | 57 | 4,439 | 23.6% | 7.50% |
| 41 | Community MortgageCordova, | A | 54 | 317 | 2.2% | 6.25% |
| 42 | Swbc MortgageSan Antonio, TX | A | 54 | 443 | 1.4% | 6.50% |
| 43 | Lennar MortgageMiami, FL | A | 52 | 516 | 16.3% | 5.50% |
| 44 | GoodLeapRoseville, CA | C | 51 | 281 | 24.9% | 6.50% |
| 45 | First Community MortgageMurfreesboro, TN | A | 51 | 336 | 6.3% | 6.49% |
| 46 | LowerColumbia, MD | C | 49 | 218 | 7.8% | 6.50% |
| 47 | LoanUnited.comDuluth, GA | C | 48 | 79 | 15.2% | 6.00% |
| 48 | Texana BankLinden, TX | C | 46 | 89 | 3.4% | 7.00% |
| 49 | PHH MortgageMount Laurel, NJ | C | 46 | 213 | 5.6% | 6.38% |
| 50 | Bank of Little Rock MortgageLittle Rock, AR | B | 46 | 495 | 4.7% | 6.62% |
Ordered by the number of applications of this type received in 2025 in the state. All figures come from the lenders' own HMDA filings. Full methodology.