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 | 1,314 | 1,481 | 20.1% | 6.13% |
| 2 | Freedom MortgageBoca Raton, FL | B | 514 | 2,209 | 9.3% | 6.25% |
| 3 | United Shore Financial ServicesPlymouth, MI | B | 482 | 5,898 | 12.8% | 6.50% |
| 4 | NewrezWilmington, DE | D | 360 | 3,690 | 21.8% | 6.75% |
| 5 | Rocket MortgagePlymouth, MI | C | 340 | 8,698 | 15.9% | 6.75% |
| 6 | Pennymac Loan ServicesWestlake Village, CA | C | 295 | 2,555 | 12.2% | 6.50% |
| 7 | Navy Federal Credit UnionVienna, VA | D | 257 | 1,436 | 21.7% | 7.75% |
| 8 | Guaranteed RateChicago, IL | B | 247 | 7,313 | 4.5% | 6.50% |
| 9 | The Federal Savings BankChicago, IL | C | 239 | 351 | 9.4% | 6.50% |
| 10 | Loandepot.ComIrvine, CA | D | 165 | 2,933 | 16.6% | 6.75% |
| 11 | USAA Federal Savings BankPhoenix, AZ | C | 152 | 280 | 25.4% | 6.25% |
| 12 | Crosscountry MortgageCleveland, OH | B | 135 | 5,634 | 3.8% | 6.63% |
| 13 | Village Capital & InvestmentHenderson, NV | C | 134 | 285 | 23.2% | 5.75% |
| 14 | Lakeview Loan ServicingCoral Gables, FL | C | 118 | 1,242 | 45.7% | 6.25% |
| 15 | Mutual of Omaha MortgageSan Diego, CA | C | 117 | 1,076 | 19.0% | 6.25% |
| 16 | CMG MortgageSan Ramon, CA | A | 117 | 3,435 | 5.8% | 6.63% |
| 17 | Guild MortgageSan Diego, CA | A | 115 | 3,089 | 4.1% | 6.50% |
| 18 | Broker SolutionsTustin, CA | D | 99 | 2,637 | 10.2% | 6.75% |
| 19 | Movement MortgageLancaster, SC | A | 77 | 1,862 | 4.4% | 6.63% |
| 20 | Fairway Independent MortgageMadison, WI | B | 77 | 2,658 | 6.1% | 6.63% |
| 21 | Leader BankArlington, MA | A | 48 | 5,913 | 1.8% | 6.25% |
| 22 | Total Mortgage ServicesMilford, CT | B | 46 | 1,745 | 4.5% | 6.63% |
| 23 | AmeriSave MortgageSandy Springs, GA | D | 44 | 1,592 | 56.1% | 8.38% |
| 24 | Nationstar MortgageCoppell, TX | C | 42 | 1,448 | 17.1% | 7.63% |
| 25 | American Neighborhood Mortgage Acceptance CompanyMount Laurel, NJ | B | 37 | 1,006 | 3.0% | 6.63% |
| 26 | Texana BankLinden, TX | C | 34 | 109 | 2.8% | 6.06% |
| 27 | Allied First Bank,sbOswego, IL | F | 31 | 47 | 38.3% | 2.75% |
| 28 | Northpointe BankGrand Rapids, MI | C | 30 | 405 | 4.9% | 6.63% |
| 29 | Emm LoansCherry Hill, NJ | B | 30 | 637 | 0.8% | 6.75% |
| 30 | Radius Financial GroupNorwell, MA | B | 29 | 1,125 | 3.4% | 6.62% |
| 31 | Magnolia BankHodgenville, KY | C | 28 | 74 | 17.6% | 6.13% |
| 32 | LowerColumbia, MD | C | 28 | 278 | 19.1% | 6.50% |
| 33 | PHH MortgageMount Laurel, NJ | C | 27 | 503 | 6.8% | 6.00% |
| 34 | Guaranteed Rate AffinityChicago, IL | A | 26 | 1,171 | 3.3% | 6.50% |
| 35 | Primelending, a PlainscapitalDallas, TX | A | 23 | 497 | 11.5% | 6.68% |
| 36 | Baycoast Mortgage CompanySwansea, MA | A | 22 | 783 | 5.5% | 6.50% |
| 37 | LoanUnited.comDuluth, GA | C | 21 | 39 | 5.1% | 5.75% |
| 38 | Planet Home LendingMeriden, CT | B | 21 | 55 | 9.1% | 5.50% |
| 39 | First Federal BankLake City, FL | B | 21 | 142 | 9.2% | 5.99% |
| 40 | American Financial NetworkBrea, CA | C | 20 | 233 | 13.7% | 6.69% |
| 41 | Armed Forces BankFort Leavenworth, MO | C | 19 | 24 | 29.2% | 6.25% |
| 42 | Equity Prime MortgageAtlanta, GA | D | 19 | 128 | 14.8% | 6.69% |
| 43 | NBKC BankKansas, MO | B | 19 | 249 | 11.7% | 6.13% |
| 44 | Norwich Commercial GroupAvon, CT | C | 18 | 132 | 6.1% | 6.25% |
| 45 | Pentagon Federal Credit UnionMclean, VA | F | 18 | 231 | 38.1% | 7.63% |
| 46 | Barrington Bank & Trust CompanyBarrington, IL | C | 17 | 53 | 5.7% | 6.63% |
| 47 | Salem Five Mortgage CompanySalem, MA | A | 17 | 1,525 | 9.1% | 6.25% |
| 48 | Embrace Home LoansMiddletown, RI | A | 16 | 335 | 4.5% | 6.50% |
| 49 | New Fed MortgageDanvers, MA | B | 16 | 817 | 4.2% | 6.63% |
| 50 | MilendAlpharetta, GA | F | 14 | 147 | 12.2% | 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.
