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 | 3,109 | 3,351 | 19.2% | 6.13% |
| 2 | United Shore Financial ServicesPlymouth, MI | B | 2,174 | 9,307 | 16.0% | 6.13% |
| 3 | Freedom MortgageBoca Raton, FL | B | 2,115 | 5,078 | 7.2% | 6.25% |
| 4 | Navy Federal Credit UnionVienna, VA | D | 1,245 | 11,436 | 23.0% | 8.00% |
| 5 | Rocket MortgagePlymouth, MI | C | 1,217 | 12,806 | 16.8% | 6.63% |
| 6 | New Day FinancialWest Palm Beach, FL | F | 930 | 962 | 26.2% | 6.81% |
| 7 | Pennymac Loan ServicesWestlake Village, CA | C | 812 | 5,411 | 12.4% | 6.49% |
| 8 | NewrezWilmington, DE | D | 803 | 5,739 | 21.0% | 6.63% |
| 9 | Village Capital & InvestmentHenderson, NV | C | 600 | 957 | 22.2% | 5.75% |
| 10 | First Home MortgageBaltimore, MD | B | 548 | 4,496 | 2.1% | 6.63% |
| 11 | NVR Mortgage FinanceReston, VA | B | 480 | 2,739 | 19.7% | 6.25% |
| 12 | The Federal Savings BankChicago, IL | C | 370 | 555 | 10.1% | 6.50% |
| 13 | USAA Federal Savings BankPhoenix, AZ | C | 351 | 527 | 31.7% | 6.38% |
| 14 | NFMLinthicum, MD | A | 335 | 2,831 | 1.4% | 6.63% |
| 15 | Crosscountry MortgageCleveland, OH | B | 321 | 2,741 | 4.3% | 6.63% |
| 16 | Fairway Independent MortgageMadison, WI | B | 253 | 1,526 | 4.8% | 6.63% |
| 17 | Lakeview Loan ServicingCoral Gables, FL | C | 245 | 1,126 | 57.6% | 5.99% |
| 18 | Dhi Mortgage CompanyArlington, TX | B | 235 | 1,140 | 13.8% | 5.50% |
| 19 | CMG MortgageSan Ramon, CA | A | 230 | 1,851 | 2.0% | 6.50% |
| 20 | Loandepot.ComIrvine, CA | D | 230 | 2,210 | 22.8% | 6.63% |
| 21 | Prosperity Home MortgageFairfax, VA | A | 219 | 1,767 | 6.3% | 6.63% |
| 22 | Equity Prime MortgageAtlanta, GA | D | 218 | 592 | 12.5% | 6.63% |
| 23 | First Heritage MortgageFairfax, VA | A | 203 | 1,521 | 3.4% | 6.38% |
| 24 | Pentagon Federal Credit UnionMclean, VA | F | 202 | 1,628 | 37.7% | 7.56% |
| 25 | Towne BankPortsmouth, VA | B | 202 | 1,990 | 2.8% | 6.50% |
| 26 | Guaranteed RateChicago, IL | B | 198 | 1,515 | 6.1% | 6.38% |
| 27 | Carrington Mortgage ServicesOrange, CA | D | 194 | 1,617 | 51.7% | 6.87% |
| 28 | Broker SolutionsTustin, CA | D | 177 | 2,247 | 12.9% | 6.75% |
| 29 | Lennar MortgageMiami, FL | A | 175 | 1,008 | 7.1% | 6.38% |
| 30 | Movement MortgageLancaster, SC | A | 164 | 1,486 | 5.5% | 6.63% |
| 31 | Primary Residential MortgageSalt Lake City, UT | C | 163 | 2,004 | 3.8% | 6.63% |
| 32 | Guild MortgageSan Diego, CA | A | 160 | 1,314 | 4.5% | 6.50% |
| 33 | LoanUnited.comDuluth, GA | C | 148 | 335 | 8.1% | 5.99% |
| 34 | AmeriSave MortgageSandy Springs, GA | D | 134 | 1,957 | 56.5% | 8.50% |
| 35 | Unnamed lender 254900M2C4Q6DATP2889 | F | 122 | 393 | 19.9% | 6.13% |
| 36 | Mutual of Omaha MortgageSan Diego, CA | C | 118 | 863 | 22.4% | 6.25% |
| 37 | Embrace Home LoansMiddletown, RI | A | 115 | 1,170 | 6.3% | 6.63% |
| 38 | Bay Capital MortgageAnnapolis, MD | B | 108 | 739 | 7.3% | 6.49% |
| 39 | Guaranteed Rate AffinityChicago, IL | A | 105 | 718 | 3.1% | 6.58% |
| 40 | Nationstar MortgageCoppell, TX | C | 101 | 1,915 | 15.4% | 7.88% |
| 41 | Meridian BankMalvern, PA | B | 100 | 1,135 | 3.9% | 6.50% |
| 42 | Sun West Mortgage CompanyCerritos, CA | B | 93 | 418 | 12.0% | 6.13% |
| 43 | Clearpath LendingIrvine, CA | B | 92 | 93 | 6.5% | 5.75% |
| 44 | Direct Mortgage LoansHunt Valley, MD | B | 92 | 1,449 | 1.6% | 6.63% |
| 45 | Planet Home LendingMeriden, CT | B | 89 | 241 | 21.2% | 5.75% |
| 46 | First Federal BankLake City, FL | B | 81 | 166 | 5.4% | 5.88% |
| 47 | Atlantic Coast MortgageFairfax, VA | A | 81 | 749 | 1.5% | 6.63% |
| 48 | Select Lending ServicesLake Oswego, OR | B | 72 | 182 | 3.9% | 6.50% |
| 49 | PHH MortgageMount Laurel, NJ | C | 72 | 496 | 5.2% | 6.00% |
| 50 | Atlantic Bay Mortgage GroupVirginia Beach, VA | A | 69 | 243 | 1.2% | 6.49% |
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.
