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 | 4,249 | 4,942 | 19.4% | 6.25% |
| 2 | United Shore Financial ServicesPlymouth, MI | B | 2,584 | 29,330 | 11.7% | 6.60% |
| 3 | Rocket MortgagePlymouth, MI | C | 1,833 | 30,644 | 16.3% | 6.75% |
| 4 | New Day FinancialWest Palm Beach, FL | F | 1,386 | 1,450 | 25.4% | 6.88% |
| 5 | Freedom MortgageBoca Raton, FL | B | 1,304 | 3,515 | 9.7% | 6.25% |
| 6 | Pennymac Loan ServicesWestlake Village, CA | C | 661 | 2,691 | 11.2% | 6.13% |
| 7 | Navy Federal Credit UnionVienna, VA | D | 627 | 2,484 | 22.6% | 7.00% |
| 8 | NewrezWilmington, DE | D | 542 | 4,958 | 18.5% | 6.75% |
| 9 | Village Capital & InvestmentHenderson, NV | C | 457 | 834 | 26.5% | 5.75% |
| 10 | USAA Federal Savings BankPhoenix, AZ | C | 392 | 626 | 23.0% | 6.38% |
| 11 | Union Home MortgageStrongsville, OH | B | 321 | 5,303 | 4.3% | 6.75% |
| 12 | The Federal Savings BankChicago, IL | C | 223 | 340 | 8.2% | 6.63% |
| 13 | Crosscountry MortgageCleveland, OH | B | 220 | 3,708 | 4.2% | 6.75% |
| 14 | Equity Prime MortgageAtlanta, GA | D | 208 | 1,082 | 11.3% | 6.75% |
| 15 | The Huntington National BankColumbus, OH | D | 198 | 20,047 | 30.0% | 7.49% |
| 16 | Loandepot.ComIrvine, CA | D | 170 | 2,921 | 29.3% | 6.99% |
| 17 | Lakeview Loan ServicingCoral Gables, FL | C | 166 | 1,833 | 50.2% | 6.75% |
| 18 | Guaranteed RateChicago, IL | B | 164 | 3,014 | 5.2% | 6.63% |
| 19 | Mortgage 1Sterling Heights, MI | A | 164 | 4,161 | 2.0% | 6.63% |
| 20 | Carrington Mortgage ServicesOrange, CA | D | 159 | 1,655 | 39.9% | 6.63% |
| 21 | AmeriSave MortgageSandy Springs, GA | D | 151 | 3,111 | 61.9% | 7.63% |
| 22 | Broker SolutionsTustin, CA | D | 149 | 3,076 | 12.6% | 6.88% |
| 23 | Flagstar BankHicksville, NY | C | 149 | 4,889 | 21.3% | 6.63% |
| 24 | Lake Michigan Credit UnionGrand Rapids, MI | A | 129 | 16,662 | 5.6% | 6.75% |
| 25 | Staunton FinancialSouthfield, MI | B | 113 | 2,833 | 4.4% | 6.63% |
| 26 | Unnamed lender 254900M2C4Q6DATP2889 | F | 111 | 461 | 17.4% | 6.13% |
| 27 | Planet Home LendingMeriden, CT | B | 109 | 315 | 18.4% | 5.99% |
| 28 | Gold Star Mortgage Financial GroupAnn Arbor, MI | C | 97 | 1,818 | 2.0% | 6.63% |
| 29 | Mutual of Omaha MortgageSan Diego, CA | C | 96 | 1,052 | 21.7% | 6.50% |
| 30 | Nationstar MortgageCoppell, TX | C | 93 | 2,558 | 16.4% | 7.49% |
| 31 | Success Mortgage PartnersPlymouth, MI | B | 85 | 1,233 | 1.7% | 6.63% |
| 32 | Preston Home LoansGrand Blanc, MI | C | 85 | 1,648 | 2.1% | 6.63% |
| 33 | Barrington Bank & Trust CompanyBarrington, IL | C | 82 | 342 | 6.4% | 6.75% |
| 34 | Mortgage Solutions of ColoradoColorado Springs, CO | C | 81 | 112 | 6.3% | 7.75% |
| 35 | HomePromiseFairfax, VA | F | 79 | 84 | 51.2% | 7.25% |
| 36 | Clearpath LendingIrvine, CA | B | 79 | 85 | 8.2% | 5.75% |
| 37 | Fifth Third BankCincinnati, OH | D | 74 | 11,176 | 26.4% | 7.50% |
| 38 | PHH MortgageMount Laurel, NJ | C | 70 | 551 | 7.4% | 6.50% |
| 39 | Plaza Home MortgageSan Diego, CA | C | 70 | 871 | 25.0% | 6.63% |
| 40 | LowerColumbia, MD | C | 65 | 371 | 11.1% | 6.75% |
| 41 | First Community MortgageMurfreesboro, TN | A | 62 | 890 | 4.8% | 6.63% |
| 42 | JPMorgan Chase BankColumbus, OH | B | 62 | 4,921 | 11.0% | 6.63% |
| 43 | LoanUnited.comDuluth, GA | C | 57 | 194 | 7.2% | 5.99% |
| 44 | Movement MortgageLancaster, SC | A | 53 | 557 | 8.3% | 6.75% |
| 45 | The Dart BankMason, MI | B | 52 | 3,524 | 6.4% | 6.75% |
| 46 | Sun West Mortgage CompanyCerritos, CA | B | 50 | 346 | 15.6% | 6.25% |
| 47 | CMG MortgageSan Ramon, CA | A | 50 | 751 | 5.7% | 6.75% |
| 48 | Allied First Bank,sbOswego, IL | F | 49 | 64 | 34.4% | 2.75% |
| 49 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 47 | 492 | 1.4% | 6.63% |
| 50 | Prosperity Home MortgageFairfax, VA | A | 47 | 506 | 11.3% | 6.63% |
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.
