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 | 4,064 | 4,791 | 19.0% | 6.25% |
| 2 | Freedom MortgageBoca Raton, FL | B | 1,871 | 5,454 | 8.9% | 6.25% |
| 3 | United Shore Financial ServicesPlymouth, MI | B | 1,563 | 8,659 | 12.2% | 6.38% |
| 4 | New Day FinancialWest Palm Beach, FL | F | 1,355 | 1,403 | 23.6% | 6.99% |
| 5 | Rocket MortgagePlymouth, MI | C | 911 | 13,503 | 18.6% | 6.75% |
| 6 | Pennymac Loan ServicesWestlake Village, CA | C | 703 | 3,080 | 10.7% | 6.00% |
| 7 | NewrezWilmington, DE | D | 564 | 5,421 | 18.2% | 6.63% |
| 8 | Navy Federal Credit UnionVienna, VA | D | 502 | 1,842 | 20.0% | 6.75% |
| 9 | Ruoff Mortgage CompanyFort Wayne, IN | A | 421 | 8,860 | 4.0% | 6.75% |
| 10 | Village Capital & InvestmentHenderson, NV | C | 410 | 656 | 21.5% | 5.75% |
| 11 | The Federal Savings BankChicago, IL | C | 332 | 474 | 12.7% | 6.63% |
| 12 | USAA Federal Savings BankPhoenix, AZ | C | 313 | 550 | 22.4% | 6.38% |
| 13 | Fairway Independent MortgageMadison, WI | B | 252 | 4,813 | 7.4% | 6.75% |
| 14 | Loandepot.ComIrvine, CA | D | 236 | 3,137 | 26.2% | 6.99% |
| 15 | Crosscountry MortgageCleveland, OH | B | 233 | 3,461 | 4.2% | 6.63% |
| 16 | Gvc MortgagePendleton, IN | B | 200 | 4,042 | 2.4% | 6.75% |
| 17 | Carrington Mortgage ServicesOrange, CA | D | 189 | 2,127 | 42.8% | 6.63% |
| 18 | Broker SolutionsTustin, CA | D | 179 | 3,246 | 10.4% | 6.99% |
| 19 | AmeriSave MortgageSandy Springs, GA | D | 178 | 2,615 | 58.9% | 7.99% |
| 20 | Union Home MortgageStrongsville, OH | B | 174 | 2,856 | 3.1% | 6.63% |
| 21 | Guaranteed RateChicago, IL | B | 156 | 2,669 | 6.9% | 6.63% |
| 22 | Equity Prime MortgageAtlanta, GA | D | 155 | 725 | 8.1% | 6.63% |
| 23 | Lennar MortgageMiami, FL | A | 139 | 2,761 | 14.0% | 4.99% |
| 24 | Mutual of Omaha MortgageSan Diego, CA | C | 133 | 1,155 | 21.0% | 6.38% |
| 25 | Vanderbilt Mortgage and FinanceMaryville, TN | F | 133 | 2,674 | 18.3% | 5.88% |
| 26 | Dhi Mortgage CompanyArlington, TX | B | 130 | 1,741 | 14.7% | 5.25% |
| 27 | Mortgage Solutions of ColoradoColorado Springs, CO | C | 125 | 163 | 7.4% | 7.75% |
| 28 | Lakeview Loan ServicingCoral Gables, FL | C | 122 | 1,013 | 48.3% | 6.38% |
| 29 | GoodLeapRoseville, CA | C | 114 | 1,334 | 22.4% | 6.50% |
| 30 | Mjw FinancialIndianapolis, IN | A | 104 | 1,610 | 2.2% | 6.62% |
| 31 | Guild MortgageSan Diego, CA | A | 104 | 1,824 | 3.8% | 6.63% |
| 32 | LowerColumbia, MD | C | 95 | 793 | 9.2% | 6.63% |
| 33 | Nationstar MortgageCoppell, TX | C | 95 | 2,095 | 14.5% | 7.88% |
| 34 | Nations LendingIndependence, OH | B | 94 | 304 | 4.3% | 6.50% |
| 35 | Prosperity Home MortgageFairfax, VA | A | 94 | 560 | 9.6% | 6.50% |
| 36 | CMG MortgageSan Ramon, CA | A | 94 | 1,651 | 4.7% | 6.75% |
| 37 | Planet Home LendingMeriden, CT | B | 85 | 337 | 15.7% | 5.99% |
| 38 | Clearpath LendingIrvine, CA | B | 84 | 86 | 15.1% | 5.63% |
| 39 | Stockton MortgageFrankfort, KY | D | 84 | 965 | 7.5% | 6.75% |
| 40 | NVR Mortgage FinanceReston, VA | B | 80 | 658 | 22.6% | 6.13% |
| 41 | LoanUnited.comDuluth, GA | C | 79 | 128 | 7.0% | 5.75% |
| 42 | Mortgage Masters of IndianaEvansville, IN | B | 78 | 961 | 2.8% | 6.50% |
| 43 | Barrington Bank & Trust CompanyBarrington, IL | C | 73 | 223 | 11.2% | 6.63% |
| 44 | Magnolia BankHodgenville, KY | C | 65 | 260 | 8.5% | 6.49% |
| 45 | Fifth Third BankCincinnati, OH | D | 65 | 8,693 | 27.6% | 7.75% |
| 46 | American Financial NetworkBrea, CA | C | 63 | 710 | 5.4% | 6.81% |
| 47 | Allied First Bank,sbOswego, IL | F | 59 | 75 | 20.0% | 8.25% |
| 48 | Plaza Home MortgageSan Diego, CA | C | 57 | 683 | 20.6% | 6.63% |
| 49 | Mid-Continent FundingColumbia, | B | 54 | 63 | 11.1% | 6.50% |
| 50 | Texana BankLinden, TX | C | 52 | 139 | 3.6% | 6.25% |
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.
