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 | 1,087 | 1,284 | 17.7% | 6.25% |
| 2 | United Shore Financial ServicesPlymouth, MI | B | 444 | 4,239 | 13.7% | 6.50% |
| 3 | Freedom MortgageBoca Raton, FL | B | 351 | 1,645 | 9.5% | 6.25% |
| 4 | Rocket MortgagePlymouth, MI | C | 284 | 6,043 | 16.5% | 6.75% |
| 5 | Navy Federal Credit UnionVienna, VA | D | 283 | 1,609 | 20.0% | 7.65% |
| 6 | New Day FinancialWest Palm Beach, FL | F | 250 | 262 | 26.0% | 6.87% |
| 7 | Pennymac Loan ServicesWestlake Village, CA | C | 161 | 1,583 | 12.8% | 6.50% |
| 8 | NewrezWilmington, DE | D | 120 | 2,556 | 21.8% | 6.88% |
| 9 | The Federal Savings BankChicago, IL | C | 111 | 179 | 12.9% | 6.25% |
| 10 | Village Capital & InvestmentHenderson, NV | C | 102 | 230 | 28.7% | 5.75% |
| 11 | USAA Federal Savings BankPhoenix, AZ | C | 101 | 203 | 26.1% | 6.50% |
| 12 | Total Mortgage ServicesMilford, CT | B | 99 | 4,219 | 4.5% | 6.63% |
| 13 | Carrington Mortgage ServicesOrange, CA | D | 88 | 1,031 | 45.8% | 6.63% |
| 14 | Movement MortgageLancaster, SC | A | 87 | 1,421 | 2.3% | 6.50% |
| 15 | Guaranteed RateChicago, IL | B | 87 | 1,506 | 7.4% | 6.63% |
| 16 | Loandepot.ComIrvine, CA | D | 60 | 1,665 | 24.3% | 6.99% |
| 17 | Lakeview Loan ServicingCoral Gables, FL | C | 54 | 699 | 51.4% | 6.38% |
| 18 | American Neighborhood Mortgage Acceptance CompanyMount Laurel, NJ | B | 53 | 1,035 | 2.2% | 6.63% |
| 19 | Crosscountry MortgageCleveland, OH | B | 47 | 1,935 | 5.8% | 6.75% |
| 20 | Prosperity Home MortgageFairfax, VA | A | 46 | 1,163 | 6.3% | 6.63% |
| 21 | First World MortgageHartford, CT | A | 40 | 2,332 | 3.5% | 6.49% |
| 22 | Equity Prime MortgageAtlanta, GA | D | 38 | 180 | 15.0% | 6.63% |
| 23 | Mutual of Omaha MortgageSan Diego, CA | C | 38 | 617 | 21.4% | 6.49% |
| 24 | CMG MortgageSan Ramon, CA | A | 38 | 2,215 | 7.5% | 6.63% |
| 25 | T2 FinancialWesterville, OH | B | 34 | 578 | 7.6% | 6.75% |
| 26 | AmeriSave MortgageSandy Springs, GA | D | 34 | 1,086 | 57.7% | 8.63% |
| 27 | Nationstar MortgageCoppell, TX | C | 32 | 963 | 16.8% | 7.75% |
| 28 | Broker SolutionsTustin, CA | D | 32 | 1,611 | 13.2% | 6.75% |
| 29 | Guaranteed Rate AffinityChicago, IL | A | 26 | 836 | 4.9% | 6.63% |
| 30 | BoxCar MortgageAtlanta, GA | A | 24 | 31 | 0.0% | 6.25% |
| 31 | Fairway Independent MortgageMadison, WI | B | 23 | 995 | 6.1% | 6.63% |
| 32 | Barrington Bank & Trust CompanyBarrington, IL | C | 22 | 51 | 11.8% | 6.25% |
| 33 | Guild MortgageSan Diego, CA | A | 20 | 329 | 5.8% | 6.50% |
| 34 | Primelending, a PlainscapitalDallas, TX | A | 20 | 558 | 3.6% | 6.75% |
| 35 | Plaza Home MortgageSan Diego, CA | C | 18 | 543 | 25.8% | 6.63% |
| 36 | Norwich Commercial GroupAvon, CT | C | 18 | 631 | 9.7% | 6.38% |
| 37 | Pentagon Federal Credit UnionMclean, VA | F | 16 | 266 | 38.7% | 7.75% |
| 38 | Planet Home LendingMeriden, CT | B | 15 | 84 | 19.1% | 5.99% |
| 39 | Homebridge Financial ServicesIselin, NJ | B | 15 | 473 | 11.2% | 10.10% |
| 40 | Magnolia BankHodgenville, KY | C | 13 | 54 | 16.7% | 6.63% |
| 41 | Texana BankLinden, TX | C | 13 | 101 | 3.0% | 6.50% |
| 42 | NBKC BankKansas, MO | B | 13 | 136 | 13.2% | 6.13% |
| 43 | Homestead FundingAlbany, NY | A | 13 | 486 | 2.7% | 6.38% |
| 44 | LoanUnited.comDuluth, GA | C | 11 | 61 | 3.3% | 5.75% |
| 45 | Nations Direct MortgageHenderson, NV | B | 11 | 88 | 5.7% | 6.74% |
| 46 | LowerColumbia, MD | C | 11 | 163 | 17.2% | 6.38% |
| 47 | PHH MortgageMount Laurel, NJ | C | 11 | 241 | 9.5% | 6.69% |
| 48 | Paramount Residential Mortgage GroupCorona, CA | B | 11 | 252 | 3.6% | 6.63% |
| 49 | HomePromiseFairfax, VA | F | 10 | 14 | 35.7% | 6.75% |
| 50 | United Trust BankPalos Heights, IL | C | 10 | 15 | 20.0% | 6.44% |
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.
