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 | 3,171 | 3,617 | 18.0% | 6.25% |
| 2 | United Shore Financial ServicesPlymouth, MI | B | 1,341 | 6,871 | 9.8% | 6.50% |
| 3 | Freedom MortgageBoca Raton, FL | B | 1,134 | 2,752 | 9.2% | 6.25% |
| 4 | New Day FinancialWest Palm Beach, FL | F | 932 | 974 | 24.5% | 6.99% |
| 5 | Rocket MortgagePlymouth, MI | C | 765 | 8,420 | 18.1% | 6.75% |
| 6 | Pennymac Loan ServicesWestlake Village, CA | C | 484 | 2,464 | 11.9% | 6.25% |
| 7 | Navy Federal Credit UnionVienna, VA | D | 449 | 1,397 | 21.0% | 6.63% |
| 8 | NewrezWilmington, DE | D | 323 | 1,621 | 20.1% | 6.63% |
| 9 | Village Capital & InvestmentHenderson, NV | C | 298 | 470 | 23.0% | 5.75% |
| 10 | USAA Federal Savings BankPhoenix, AZ | C | 277 | 433 | 25.2% | 6.44% |
| 11 | The Federal Savings BankChicago, IL | C | 200 | 317 | 9.8% | 6.50% |
| 12 | Stockton MortgageFrankfort, KY | D | 194 | 3,255 | 6.1% | 6.63% |
| 13 | Broker SolutionsTustin, CA | D | 170 | 2,519 | 8.9% | 6.63% |
| 14 | Crosscountry MortgageCleveland, OH | B | 155 | 1,483 | 4.3% | 6.75% |
| 15 | Guaranteed RateChicago, IL | B | 141 | 726 | 5.8% | 6.50% |
| 16 | Lakeview Loan ServicingCoral Gables, FL | C | 137 | 827 | 42.4% | 6.50% |
| 17 | Equity Prime MortgageAtlanta, GA | D | 133 | 546 | 8.1% | 6.63% |
| 18 | Northpointe BankGrand Rapids, MI | C | 131 | 1,927 | 9.0% | 6.88% |
| 19 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 126 | 1,591 | 3.4% | 6.63% |
| 20 | AmeriSave MortgageSandy Springs, GA | D | 125 | 1,758 | 57.8% | 7.63% |
| 21 | Carrington Mortgage ServicesOrange, CA | D | 115 | 754 | 43.2% | 6.63% |
| 22 | Magnolia BankHodgenville, KY | C | 111 | 950 | 6.8% | 6.50% |
| 23 | Mortgage Solutions of ColoradoColorado Springs, CO | C | 107 | 143 | 4.9% | 7.50% |
| 24 | Planet Home LendingMeriden, CT | B | 104 | 323 | 17.0% | 6.25% |
| 25 | Loandepot.ComIrvine, CA | D | 102 | 1,049 | 28.0% | 6.75% |
| 26 | Prosperity Home MortgageFairfax, VA | A | 97 | 696 | 8.8% | 6.38% |
| 27 | Union Home MortgageStrongsville, OH | B | 96 | 1,456 | 6.7% | 6.50% |
| 28 | Mutual of Omaha MortgageSan Diego, CA | C | 86 | 541 | 19.0% | 6.63% |
| 29 | Unnamed lender 254900M2C4Q6DATP2889 | F | 83 | 252 | 17.5% | 6.19% |
| 30 | Kind LendingIrvine, CA | C | 77 | 626 | 20.3% | 6.63% |
| 31 | LowerColumbia, MD | C | 76 | 689 | 9.7% | 6.56% |
| 32 | Dhi Mortgage CompanyArlington, TX | B | 74 | 294 | 11.9% | 5.50% |
| 33 | South Central BankGlasgow, KY | B | 71 | 1,778 | 6.8% | 7.25% |
| 34 | Fifth Third BankCincinnati, OH | D | 71 | 5,663 | 25.5% | 7.75% |
| 35 | Victory MortgageErlanger, KY | A | 67 | 869 | 2.9% | 6.00% |
| 36 | T2 FinancialWesterville, OH | B | 65 | 743 | 4.6% | 6.38% |
| 37 | Atlantic Bay Mortgage GroupVirginia Beach, VA | A | 62 | 528 | 2.5% | 6.38% |
| 38 | Nationstar MortgageCoppell, TX | C | 56 | 942 | 13.1% | 7.75% |
| 39 | Clearpath LendingIrvine, CA | B | 53 | 55 | 5.5% | 5.63% |
| 40 | First Community MortgageMurfreesboro, TN | A | 51 | 484 | 5.6% | 6.49% |
| 41 | Texana BankLinden, TX | C | 49 | 181 | 4.4% | 6.63% |
| 42 | LibertyEvansville, IN | B | 49 | 2,280 | 6.0% | 6.63% |
| 43 | Allied First Bank,sbOswego, IL | F | 45 | 57 | 26.3% | — |
| 44 | Fairway Independent MortgageMadison, WI | B | 44 | 853 | 8.7% | 6.63% |
| 45 | Homebridge Financial ServicesIselin, NJ | B | 41 | 167 | 16.2% | 9.91% |
| 46 | Everett FinancialDallas, | C | 41 | 820 | 4.3% | 6.25% |
| 47 | Plaza Home MortgageSan Diego, CA | C | 40 | 273 | 18.3% | 6.63% |
| 48 | Luminate BankMinneapolis, MN | B | 40 | 590 | 1.4% | 6.63% |
| 49 | NBKC BankKansas, MO | B | 38 | 108 | 13.0% | 6.13% |
| 50 | First Equity MortgageFort Mitchell, KY | C | 38 | 462 | 10.2% | 6.38% |
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.
