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 | 12,568 | 14,057 | 21.2% | 6.25% |
| 2 | United Shore Financial ServicesPlymouth, MI | B | 10,162 | 71,405 | 15.3% | 6.44% |
| 3 | Freedom MortgageBoca Raton, FL | B | 5,795 | 13,067 | 10.6% | 6.25% |
| 4 | New Day FinancialWest Palm Beach, FL | F | 4,937 | 5,183 | 23.8% | 6.99% |
| 5 | Rocket MortgagePlymouth, MI | C | 4,461 | 46,611 | 21.0% | 6.63% |
| 6 | Navy Federal Credit UnionVienna, VA | D | 3,862 | 19,452 | 23.2% | 7.59% |
| 7 | Dhi Mortgage CompanyArlington, TX | B | 2,941 | 16,661 | 14.5% | 4.88% |
| 8 | NewrezWilmington, DE | D | 2,378 | 17,519 | 22.4% | 6.75% |
| 9 | Pennymac Loan ServicesWestlake Village, CA | C | 2,284 | 19,516 | 14.1% | 6.50% |
| 10 | Village Capital & InvestmentHenderson, NV | C | 1,844 | 3,222 | 22.1% | 5.75% |
| 11 | Crosscountry MortgageCleveland, OH | B | 1,757 | 19,103 | 5.2% | 6.75% |
| 12 | Lennar MortgageMiami, FL | A | 1,674 | 14,984 | 21.0% | 4.75% |
| 13 | Lakeview Loan ServicingCoral Gables, FL | C | 1,280 | 8,363 | 56.3% | 6.50% |
| 14 | USAA Federal Savings BankPhoenix, AZ | C | 1,233 | 2,016 | 27.3% | 6.38% |
| 15 | Loandepot.ComIrvine, CA | D | 1,226 | 13,189 | 25.2% | 6.50% |
| 16 | Broker SolutionsTustin, CA | D | 927 | 10,391 | 10.8% | 6.75% |
| 17 | Equity Prime MortgageAtlanta, GA | D | 904 | 3,088 | 10.8% | 6.50% |
| 18 | CMG MortgageSan Ramon, CA | A | 811 | 6,869 | 5.8% | 6.63% |
| 19 | Pulte MortgageWilmington, DE | A | 774 | 6,342 | 15.6% | 5.50% |
| 20 | Movement MortgageLancaster, SC | A | 771 | 6,011 | 5.0% | 6.63% |
| 21 | Carrington Mortgage ServicesOrange, CA | D | 733 | 4,821 | 44.4% | 6.63% |
| 22 | Guaranteed RateChicago, IL | B | 707 | 7,020 | 9.4% | 6.63% |
| 23 | LoanUnited.comDuluth, GA | C | 655 | 1,288 | 9.7% | 6.13% |
| 24 | The Federal Savings BankChicago, IL | C | 538 | 1,067 | 12.3% | 6.63% |
| 25 | Union Home MortgageStrongsville, OH | B | 528 | 3,574 | 7.9% | 6.50% |
| 26 | Unnamed lender 254900M2C4Q6DATP2889 | F | 510 | 1,547 | 18.8% | 6.13% |
| 27 | AmeriSave MortgageSandy Springs, GA | D | 509 | 7,729 | 65.3% | 7.99% |
| 28 | Fbc MortgageOrlando, FL | B | 455 | 4,011 | 5.6% | 6.13% |
| 29 | Mortgage Solutions of ColoradoColorado Springs, CO | C | 448 | 627 | 5.9% | 7.50% |
| 30 | Planet Home LendingMeriden, CT | B | 431 | 1,739 | 19.7% | 6.25% |
| 31 | Kind LendingIrvine, CA | C | 431 | 4,458 | 28.4% | 6.63% |
| 32 | Mid-Continent FundingColumbia, | B | 416 | 463 | 7.8% | 6.50% |
| 33 | Fairway Independent MortgageMadison, WI | B | 413 | 4,468 | 7.3% | 6.63% |
| 34 | University BankAnn Arbor, MI | A | 405 | 1,321 | 3.1% | 6.38% |
| 35 | Jet HomeloansJacksonville, FL | A | 381 | 1,859 | 3.1% | 4.99% |
| 36 | Guild MortgageSan Diego, CA | A | 380 | 4,134 | 6.7% | 6.50% |
| 37 | The Mortgage FirmAltamonte Springs, FL | B | 354 | 3,652 | 2.4% | 6.75% |
| 38 | Nationstar MortgageCoppell, TX | C | 342 | 5,817 | 17.6% | 7.75% |
| 39 | Pentagon Federal Credit UnionMclean, VA | F | 333 | 2,448 | 38.6% | 7.50% |
| 40 | Sun West Mortgage CompanyCerritos, CA | B | 325 | 1,423 | 16.2% | 6.25% |
| 41 | Mutual of Omaha MortgageSan Diego, CA | C | 300 | 2,734 | 19.9% | 6.38% |
| 42 | Paramount Residential Mortgage GroupCorona, CA | B | 296 | 5,933 | 6.0% | 6.63% |
| 43 | Kbhs Home LoansIrving, TX | B | 291 | 2,151 | 8.5% | 5.99% |
| 44 | Everett FinancialDallas, | C | 276 | 4,739 | 7.9% | 6.88% |
| 45 | NFMLinthicum, MD | A | 254 | 2,591 | 3.2% | 6.25% |
| 46 | LowerColumbia, MD | C | 252 | 2,831 | 11.3% | 6.63% |
| 47 | PHH MortgageMount Laurel, NJ | C | 247 | 1,701 | 10.5% | 6.13% |
| 48 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 246 | 1,051 | 4.2% | 6.50% |
| 49 | Zillow Home LoansIrvine, CA | B | 243 | 2,241 | 6.9% | 6.50% |
| 50 | Taylor Morrison Home FundingMaitland, FL | A | 239 | 3,019 | 23.4% | 5.63% |
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.
