Lenders handling the most VA-guaranteed loan applications for veterans and service members.
| # | Lender | Grade | VA applications | Applications | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | United Shore Financial ServicesPlymouth, MI | B | 8,820 | 79,261 | 12.6% | 6.49% |
| 2 | Mortgage Research CenterColumbia, MO | C | 5,779 | 6,494 | 21.0% | 6.13% |
| 3 | Freedom MortgageBoca Raton, FL | B | 4,030 | 11,002 | 8.0% | 6.13% |
| 4 | Rocket MortgagePlymouth, MI | C | 3,008 | 58,925 | 17.6% | 6.75% |
| 5 | New Day FinancialWest Palm Beach, FL | F | 2,231 | 2,322 | 29.6% | 6.99% |
| 6 | NewrezWilmington, DE | D | 1,854 | 17,000 | 19.3% | 6.63% |
| 7 | Pennymac Loan ServicesWestlake Village, CA | C | 1,852 | 18,754 | 13.5% | 6.50% |
| 8 | Navy Federal Credit UnionVienna, VA | D | 1,698 | 15,476 | 25.7% | 8.00% |
| 9 | Crosscountry MortgageCleveland, OH | B | 1,082 | 14,753 | 3.6% | 6.75% |
| 10 | Loandepot.ComIrvine, CA | D | 997 | 16,645 | 18.7% | 6.63% |
| 11 | Village Capital & InvestmentHenderson, NV | C | 964 | 2,699 | 17.2% | 5.99% |
| 12 | Lakeview Loan ServicingCoral Gables, FL | C | 909 | 7,899 | 57.1% | 6.25% |
| 13 | The Federal Savings BankChicago, IL | C | 818 | 1,066 | 10.3% | 6.50% |
| 14 | Equity Prime MortgageAtlanta, GA | D | 737 | 2,551 | 9.4% | 6.25% |
| 15 | Lennar MortgageMiami, FL | A | 688 | 9,083 | 7.3% | 4.99% |
| 16 | Guaranteed RateChicago, IL | B | 636 | 12,235 | 5.4% | 6.53% |
| 17 | Broker SolutionsTustin, CA | D | 573 | 12,478 | 7.8% | 6.88% |
| 18 | Carrington Mortgage ServicesOrange, CA | D | 542 | 4,441 | 48.8% | 6.63% |
| 19 | Kind LendingIrvine, CA | C | 534 | 9,817 | 24.5% | 6.50% |
| 20 | LoanUnited.comDuluth, GA | C | 523 | 1,232 | 8.1% | 6.00% |
| 21 | USAA Federal Savings BankPhoenix, AZ | C | 513 | 921 | 32.9% | 6.25% |
| 22 | CMG MortgageSan Ramon, CA | A | 490 | 7,440 | 4.7% | 6.63% |
| 23 | Sun West Mortgage CompanyCerritos, CA | B | 471 | 3,056 | 11.1% | 6.13% |
| 24 | Dhi Mortgage CompanyArlington, TX | B | 421 | 3,885 | 8.6% | 5.25% |
| 25 | American Pacific MortgageRoseville, CA | C | 366 | 4,994 | 7.8% | 6.63% |
| 26 | Fairway Independent MortgageMadison, WI | B | 349 | 4,003 | 3.8% | 6.63% |
| 27 | Paramount Residential Mortgage GroupCorona, CA | B | 310 | 5,925 | 2.0% | 6.50% |
| 28 | Kbhs Home LoansIrving, TX | B | 300 | 3,092 | 6.8% | 6.05% |
| 29 | Guild MortgageSan Diego, CA | A | 292 | 6,122 | 3.5% | 6.50% |
| 30 | AmeriSave MortgageSandy Springs, GA | D | 287 | 6,922 | 64.2% | 8.63% |
| 31 | Golden Empire MortgageBakersfield, CA | B | 284 | 4,757 | 5.4% | 6.25% |
| 32 | Planet Home LendingMeriden, CT | B | 264 | 1,346 | 17.5% | 5.99% |
| 33 | The Loan StoreSan Francisco, CA | B | 240 | 12,791 | 11.7% | 6.75% |
| 34 | OCMBCIrvine, CA | C | 237 | 12,176 | 6.1% | 6.75% |
| 35 | Unnamed lender 254900M2C4Q6DATP2889 | F | 221 | 1,628 | 18.3% | 6.25% |
| 36 | Mutual of Omaha MortgageSan Diego, CA | C | 219 | 2,970 | 16.8% | 6.38% |
| 37 | Mortgage Solutions of ColoradoColorado Springs, CO | C | 204 | 449 | 3.3% | 6.75% |
| 38 | Nationstar MortgageCoppell, TX | C | 200 | 7,812 | 20.5% | 8.38% |
| 39 | American Financial NetworkBrea, CA | C | 197 | 2,526 | 9.7% | 6.63% |
| 40 | Allied First Bank,sbOswego, IL | F | 173 | 271 | 30.6% | 2.63% |
| 41 | PHH MortgageMount Laurel, NJ | C | 170 | 2,234 | 10.2% | 6.00% |
| 42 | U.S. BankCincinnati, OH | D | 168 | 32,493 | 31.6% | 6.50% |
| 43 | Network Capital FundingIrvine, CA | D | 160 | 2,217 | 13.8% | 6.50% |
| 44 | Zillow Home LoansIrvine, CA | B | 156 | 1,717 | 5.9% | 6.38% |
| 45 | Movement MortgageLancaster, SC | A | 151 | 2,563 | 4.8% | 6.63% |
| 46 | ResicentralLarkspur, CA | B | 150 | 1,723 | 3.9% | 6.49% |
| 47 | Clearpath LendingIrvine, CA | B | 140 | 146 | 9.6% | 5.75% |
| 48 | Alameda MortgageWalnut Creek, CA | B | 140 | 3,162 | 2.3% | 6.50% |
| 49 | Plaza Home MortgageSan Diego, CA | C | 139 | 1,899 | 34.8% | 6.63% |
| 50 | Lakeview Community CapitalTucson, AZ | A | 138 | 716 | 2.1% | 6.13% |
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.
