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 | 135 | 154 | 22.7% | 5.99% |
| 2 | Freedom MortgageBoca Raton, FL | B | 96 | 200 | 6.5% | 5.88% |
| 3 | Navy Federal Credit UnionVienna, VA | D | 74 | 786 | 28.5% | 7.75% |
| 4 | United Shore Financial ServicesPlymouth, MI | B | 54 | 327 | 17.4% | 6.37% |
| 5 | Pennymac Loan ServicesWestlake Village, CA | C | 46 | 236 | 14.4% | 6.12% |
| 6 | Guaranteed RateChicago, IL | B | 32 | 320 | 4.1% | 6.50% |
| 7 | NewrezWilmington, DE | D | 32 | 353 | 23.5% | 6.63% |
| 8 | Rocket MortgagePlymouth, MI | C | 32 | 671 | 20.7% | 6.63% |
| 9 | Prosperity Home MortgageFairfax, VA | A | 26 | 268 | 2.2% | 6.63% |
| 10 | Movement MortgageLancaster, SC | A | 24 | 169 | 2.4% | 6.25% |
| 11 | First Home MortgageBaltimore, MD | B | 23 | 359 | 2.5% | 6.63% |
| 12 | The Federal Savings BankChicago, IL | C | 20 | 28 | 21.4% | 6.13% |
| 13 | USAA Federal Savings BankPhoenix, AZ | C | 20 | 45 | 33.3% | 6.25% |
| 14 | First Savings MortgageMclean, VA | A | 20 | 544 | 0.9% | 6.50% |
| 15 | New Day FinancialWest Palm Beach, FL | F | 19 | 21 | 19.1% | 7.12% |
| 16 | Loandepot.ComIrvine, CA | D | 18 | 169 | 28.4% | 6.88% |
| 17 | Fairway Independent MortgageMadison, WI | B | 16 | 171 | 2.9% | 6.63% |
| 18 | Pentagon Federal Credit UnionMclean, VA | F | 16 | 210 | 37.6% | 7.63% |
| 19 | LoansteadyMclean, VA | A | 14 | 126 | 4.8% | 6.38% |
| 20 | Vellum MortgageFairfax, VA | A | 14 | 156 | 1.3% | 6.49% |
| 21 | Crosscountry MortgageCleveland, OH | B | 13 | 180 | 7.8% | 6.63% |
| 22 | Atlantic Coast MortgageFairfax, VA | A | 12 | 193 | 1.6% | 6.56% |
| 23 | CMG MortgageSan Ramon, CA | A | 11 | 109 | 1.8% | 6.63% |
| 24 | Village Capital & InvestmentHenderson, NV | C | 9 | 17 | 5.9% | 5.75% |
| 25 | NFMLinthicum, MD | A | 9 | 98 | 4.1% | 6.63% |
| 26 | NBKC BankKansas, MO | B | 8 | 40 | 2.5% | 6.38% |
| 27 | Lakeview Loan ServicingCoral Gables, FL | C | 8 | 64 | 60.9% | 6.13% |
| 28 | Intercoastal MortgageReston, VA | A | 8 | 81 | 4.9% | 6.38% |
| 29 | Guild MortgageSan Diego, CA | A | 8 | 103 | 4.9% | 6.38% |
| 30 | Broker SolutionsTustin, CA | D | 8 | 152 | 10.5% | 6.75% |
| 31 | Atlantic Bay Mortgage GroupVirginia Beach, VA | A | 7 | 36 | 2.8% | 6.38% |
| 32 | Zillow Home LoansIrvine, CA | B | 7 | 53 | 5.7% | 6.13% |
| 33 | Guaranteed Rate AffinityChicago, IL | A | 6 | 57 | 7.0% | 6.50% |
| 34 | Carrington Mortgage ServicesOrange, CA | D | 6 | 70 | 54.3% | 6.69% |
| 35 | Mutual of Omaha MortgageSan Diego, CA | C | 6 | 71 | 21.1% | 6.00% |
| 36 | LowerColumbia, MD | C | 6 | 88 | 5.7% | 6.38% |
| 37 | First Heritage MortgageFairfax, VA | A | 6 | 117 | 2.6% | 6.38% |
| 38 | Manufacturers and Traders TrustBuffalo, NY | C | 6 | 281 | 20.3% | 5.88% |
| 39 | Truist BankCharlotte, NC | C | 6 | 529 | 41.2% | 6.25% |
| 40 | LoanUnited.comDuluth, GA | C | 5 | 7 | 0.0% | 5.50% |
| 41 | Planet Home LendingMeriden, CT | B | 5 | 14 | 7.1% | 5.88% |
| 42 | First Federal BankLake City, FL | B | 5 | 25 | 4.0% | 5.99% |
| 43 | Texana BankLinden, TX | C | 4 | 9 | 11.1% | 5.56% |
| 44 | Watermark CapitalIrvine, CA | A | 4 | 16 | 12.5% | 6.44% |
| 45 | Embrace Home LoansMiddletown, RI | A | 4 | 92 | 4.4% | 6.38% |
| 46 | AmeriSave MortgageSandy Springs, GA | D | 4 | 163 | 63.8% | 8.50% |
| 47 | The Dart BankMason, MI | B | 3 | 15 | 20.0% | 6.56% |
| 48 | Equity Prime MortgageAtlanta, GA | D | 3 | 17 | 23.5% | 6.38% |
| 49 | Alcova MortgageRoanoke, VA | A | 3 | 17 | 0.0% | 6.63% |
| 50 | WesBanco BankWheeling, | B | 3 | 30 | 20.0% | 6.63% |
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.
