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 | 2,012 | 2,262 | 17.7% | 6.25% |
| 2 | United Shore Financial ServicesPlymouth, MI | B | 1,288 | 8,694 | 10.6% | 6.38% |
| 3 | Freedom MortgageBoca Raton, FL | B | 691 | 1,878 | 9.0% | 6.25% |
| 4 | New Day FinancialWest Palm Beach, FL | F | 588 | 609 | 20.9% | 6.99% |
| 5 | Rocket MortgagePlymouth, MI | C | 504 | 7,630 | 16.3% | 6.63% |
| 6 | Pennymac Loan ServicesWestlake Village, CA | C | 484 | 2,758 | 9.9% | 6.25% |
| 7 | Navy Federal Credit UnionVienna, VA | D | 283 | 964 | 17.6% | 6.63% |
| 8 | NewrezWilmington, DE | D | 279 | 2,419 | 16.9% | 6.63% |
| 9 | USAA Federal Savings BankPhoenix, AZ | C | 236 | 409 | 24.0% | 6.38% |
| 10 | Crosscountry MortgageCleveland, OH | B | 235 | 3,942 | 2.1% | 6.63% |
| 11 | Bell BankFargo, ND | A | 210 | 7,987 | 5.3% | 6.63% |
| 12 | Broker SolutionsTustin, CA | D | 171 | 3,246 | 5.5% | 6.75% |
| 13 | Fairway Independent MortgageMadison, WI | B | 159 | 3,327 | 3.2% | 6.75% |
| 14 | Guaranteed RateChicago, IL | B | 158 | 2,417 | 5.5% | 6.58% |
| 15 | The Federal Savings BankChicago, IL | C | 154 | 208 | 9.6% | 6.25% |
| 16 | Prosperity Home MortgageFairfax, VA | A | 137 | 2,141 | 3.6% | 6.63% |
| 17 | Village Capital & InvestmentHenderson, NV | C | 130 | 250 | 26.8% | 5.75% |
| 18 | Mutual of Omaha MortgageSan Diego, CA | C | 126 | 941 | 10.2% | 6.43% |
| 19 | Lakeview Loan ServicingCoral Gables, FL | C | 123 | 752 | 50.1% | 6.13% |
| 20 | Loandepot.ComIrvine, CA | D | 109 | 2,104 | 17.6% | 6.75% |
| 21 | Plaza Home MortgageSan Diego, CA | C | 103 | 966 | 15.6% | 6.38% |
| 22 | AmeriSave MortgageSandy Springs, GA | D | 84 | 867 | 61.8% | 6.63% |
| 23 | Equity Prime MortgageAtlanta, GA | D | 80 | 275 | 8.7% | 6.63% |
| 24 | Luminate BankMinneapolis, MN | B | 80 | 1,809 | 2.3% | 6.63% |
| 25 | Unnamed lender 254900M2C4Q6DATP2889 | F | 74 | 244 | 14.8% | 5.99% |
| 26 | Granite BankCold Spring, MN | B | 68 | 1,738 | 4.0% | 6.63% |
| 27 | Carrington Mortgage ServicesOrange, CA | D | 64 | 573 | 45.6% | 6.63% |
| 28 | Lennar MortgageMiami, FL | A | 62 | 1,688 | 3.3% | 5.88% |
| 29 | Dhi Mortgage CompanyArlington, TX | B | 58 | 865 | 5.7% | 5.50% |
| 30 | CMG MortgageSan Ramon, CA | A | 54 | 1,098 | 3.1% | 6.75% |
| 31 | Everett FinancialDallas, | C | 53 | 1,296 | 1.6% | 6.88% |
| 32 | Wells Fargo BankCharlotte, NC | B | 51 | 2,449 | 13.0% | 6.38% |
| 33 | Nationstar MortgageCoppell, TX | C | 47 | 1,158 | 13.2% | 8.25% |
| 34 | ServionNew Brighton, MN | B | 46 | 752 | 2.4% | 6.38% |
| 35 | Guild MortgageSan Diego, CA | A | 42 | 1,061 | 2.5% | 6.75% |
| 36 | Union Home MortgageStrongsville, OH | B | 40 | 533 | 5.4% | 6.50% |
| 37 | Barrington Bank & Trust CompanyBarrington, IL | C | 39 | 332 | 7.8% | 6.63% |
| 38 | Planet Home LendingMeriden, CT | B | 38 | 203 | 9.4% | 6.38% |
| 39 | Kind LendingIrvine, CA | C | 36 | 477 | 23.3% | 6.63% |
| 40 | Guaranteed Rate AffinityChicago, IL | A | 36 | 976 | 4.6% | 6.63% |
| 41 | U.S. BankCincinnati, OH | D | 36 | 8,624 | 30.4% | 7.88% |
| 42 | Summit MortgagePlymouth, MN | B | 35 | 828 | 3.4% | 6.63% |
| 43 | LoanUnited.comDuluth, GA | C | 30 | 95 | 9.5% | 6.00% |
| 44 | Sun West Mortgage CompanyCerritos, CA | B | 30 | 123 | 10.6% | 6.00% |
| 45 | Paramount Residential Mortgage GroupCorona, CA | B | 30 | 681 | 4.0% | 6.63% |
| 46 | Primelending, a PlainscapitalDallas, TX | A | 29 | 578 | 4.3% | 6.63% |
| 47 | Movement MortgageLancaster, SC | A | 29 | 634 | 2.5% | 6.75% |
| 48 | GoodLeapRoseville, CA | C | 27 | 278 | 20.9% | 7.05% |
| 49 | Tradition MortgageLakeville, MN | A | 27 | 1,112 | 0.2% | 6.63% |
| 50 | Allied First Bank,sbOswego, IL | F | 26 | 34 | 17.7% | 3.00% |
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.
