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 | 636 | 695 | 14.7% | 6.13% |
| 2 | United Shore Financial ServicesPlymouth, MI | B | 636 | 1,710 | 11.1% | 6.13% |
| 3 | Freedom MortgageBoca Raton, FL | B | 628 | 924 | 10.8% | 5.75% |
| 4 | Rocket MortgagePlymouth, MI | C | 292 | 1,637 | 22.4% | 6.63% |
| 5 | Pennymac Loan ServicesWestlake Village, CA | C | 262 | 793 | 15.5% | 6.13% |
| 6 | NewrezWilmington, DE | D | 252 | 891 | 16.5% | 6.25% |
| 7 | Dhi Mortgage CompanyArlington, TX | B | 156 | 368 | 9.8% | 5.50% |
| 8 | Navy Federal Credit UnionVienna, VA | D | 152 | 985 | 30.2% | 8.10% |
| 9 | CMG MortgageSan Ramon, CA | A | 126 | 621 | 4.0% | 6.50% |
| 10 | Guaranteed RateChicago, IL | B | 115 | 766 | 5.4% | 6.50% |
| 11 | The Federal Savings BankChicago, IL | C | 109 | 121 | 15.7% | 6.25% |
| 12 | Loandepot.ComIrvine, CA | D | 96 | 521 | 21.1% | 6.63% |
| 13 | New Day FinancialWest Palm Beach, FL | F | 94 | 95 | 31.6% | 6.62% |
| 14 | Ameris BankAtlanta, GA | B | 71 | 155 | 3.9% | 6.13% |
| 15 | Village Capital & InvestmentHenderson, NV | C | 56 | 68 | 11.8% | 5.75% |
| 16 | Paramount Residential Mortgage GroupCorona, CA | B | 56 | 158 | 0.6% | 6.63% |
| 17 | USAA Federal Savings BankPhoenix, AZ | C | 50 | 50 | 32.0% | 6.25% |
| 18 | Canopy MortgageLindon, UT | B | 49 | 137 | 1.5% | 6.63% |
| 19 | Carrington Mortgage ServicesOrange, CA | D | 48 | 182 | 35.7% | 6.50% |
| 20 | Guild MortgageSan Diego, CA | A | 48 | 488 | 7.2% | 6.62% |
| 21 | Manufacturers and Traders TrustBuffalo, NY | C | 47 | 51 | 5.9% | 2.75% |
| 22 | Kind LendingIrvine, CA | C | 41 | 268 | 28.7% | 6.63% |
| 23 | Land Home Financial ServicesConcord, CA | C | 40 | 50 | 6.0% | 5.99% |
| 24 | The Loan StoreSan Francisco, CA | B | 38 | 505 | 12.1% | 6.63% |
| 25 | Texana BankLinden, TX | C | 35 | 48 | 8.3% | 6.25% |
| 26 | Homebridge Financial ServicesIselin, NJ | B | 35 | 200 | 28.0% | 7.31% |
| 27 | Nationstar MortgageCoppell, TX | C | 30 | 217 | 22.6% | 6.88% |
| 28 | American Savings BankHonolulu, HI | C | 30 | 2,479 | 34.5% | 5.65% |
| 29 | American Financial NetworkBrea, CA | C | 29 | 76 | 10.5% | 6.25% |
| 30 | Envoy MortgageHouston, TX | D | 27 | 65 | 7.7% | 6.50% |
| 31 | Planet Home LendingMeriden, CT | B | 26 | 37 | 10.8% | 5.38% |
| 32 | Crosscountry MortgageCleveland, OH | B | 26 | 178 | 6.2% | 6.88% |
| 33 | NFMLinthicum, MD | A | 26 | 296 | 1.4% | 6.99% |
| 34 | Fairway Independent MortgageMadison, WI | B | 25 | 137 | 11.7% | 6.63% |
| 35 | Pentagon Federal Credit UnionMclean, VA | F | 23 | 130 | 48.5% | 7.38% |
| 36 | Bank of HawaiiHonolulu, HI | C | 21 | 3,679 | 27.8% | 6.00% |
| 37 | Unnamed lender 549300PWMS2701UFP528 | – | 17 | 22 | 4.6% | — |
| 38 | Sun West Mortgage CompanyCerritos, CA | B | 17 | 47 | 14.9% | 6.25% |
| 39 | Plaza Home MortgageSan Diego, CA | C | 16 | 124 | 33.1% | 6.50% |
| 40 | Securitynational MortgageSalt Lake City, UT | D | 16 | 217 | 18.4% | 6.88% |
| 41 | Broker SolutionsTustin, CA | D | 15 | 110 | 16.4% | 6.75% |
| 42 | AmeriSave MortgageSandy Springs, GA | D | 15 | 352 | 64.5% | 8.63% |
| 43 | Clearpath LendingIrvine, CA | B | 14 | 16 | 6.3% | 5.50% |
| 44 | Mutual of Omaha MortgageSan Diego, CA | C | 14 | 96 | 13.5% | 6.49% |
| 45 | Plains Commerce BankSioux Falls, SD | B | 14 | 143 | 6.3% | 6.38% |
| 46 | Barrington Bank & Trust CompanyBarrington, IL | C | 12 | 17 | 5.9% | 6.19% |
| 47 | Primary Residential MortgageSalt Lake City, UT | C | 12 | 71 | 0.0% | 6.38% |
| 48 | Lakeview Loan ServicingCoral Gables, FL | C | 11 | 12 | 16.7% | 3.00% |
| 49 | Allied First Bank,sbOswego, IL | F | 11 | 12 | 33.3% | 3.13% |
| 50 | Equity Prime MortgageAtlanta, GA | D | 8 | 10 | 0.0% | 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.
