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 | 2,278 | 2,628 | 19.1% | 6.38% |
| 2 | New Day FinancialWest Palm Beach, FL | F | 922 | 966 | 20.7% | 6.99% |
| 3 | Freedom MortgageBoca Raton, FL | B | 862 | 1,626 | 8.1% | 6.25% |
| 4 | United Shore Financial ServicesPlymouth, MI | B | 714 | 2,109 | 13.9% | 6.13% |
| 5 | Rocket MortgagePlymouth, MI | C | 507 | 4,636 | 24.8% | 6.63% |
| 6 | Navy Federal Credit UnionVienna, VA | D | 428 | 1,519 | 23.8% | 6.63% |
| 7 | Pennymac Loan ServicesWestlake Village, CA | C | 318 | 1,342 | 13.9% | 6.13% |
| 8 | Dhi Mortgage CompanyArlington, TX | B | 271 | 1,014 | 16.9% | 4.99% |
| 9 | NewrezWilmington, DE | D | 242 | 1,088 | 27.7% | 6.25% |
| 10 | Trustmark National BankJackson, MS | C | 221 | 5,531 | 12.5% | 6.75% |
| 11 | USAA Federal Savings BankPhoenix, AZ | C | 213 | 316 | 31.7% | 6.38% |
| 12 | CMG MortgageSan Ramon, CA | A | 207 | 1,161 | 5.9% | 6.25% |
| 13 | Village Capital & InvestmentHenderson, NV | C | 197 | 278 | 11.9% | 5.75% |
| 14 | The Federal Savings BankChicago, IL | C | 156 | 214 | 10.8% | 6.63% |
| 15 | Loandepot.ComIrvine, CA | D | 152 | 1,195 | 29.5% | 6.50% |
| 16 | Broker SolutionsTustin, CA | D | 147 | 1,585 | 9.7% | 6.88% |
| 17 | KeeslerBiloxi, MS | D | 145 | 2,422 | 40.4% | 6.75% |
| 18 | Crosscountry MortgageCleveland, OH | B | 134 | 941 | 4.5% | 6.63% |
| 19 | Mortgage Solutions of ColoradoColorado Springs, CO | C | 128 | 316 | 2.5% | 6.75% |
| 20 | Magnolia BankHodgenville, KY | C | 116 | 509 | 4.9% | 6.38% |
| 21 | Dsld MortgageDover, DE | A | 112 | 357 | 5.9% | 6.25% |
| 22 | Cadence BankTupelo, MS | B | 100 | 5,301 | 19.2% | 7.25% |
| 23 | Guild MortgageSan Diego, CA | A | 94 | 1,142 | 5.9% | 6.50% |
| 24 | Equity Prime MortgageAtlanta, GA | D | 91 | 287 | 11.9% | 6.63% |
| 25 | AmeriSave MortgageSandy Springs, GA | D | 89 | 1,257 | 66.4% | 6.75% |
| 26 | Planet Home LendingMeriden, CT | B | 82 | 362 | 13.0% | 6.25% |
| 27 | Renasant BankTupelo, MS | B | 76 | 3,188 | 14.3% | 6.99% |
| 28 | Lakeview Loan ServicingCoral Gables, FL | C | 75 | 368 | 48.1% | 6.56% |
| 29 | Carrington Mortgage ServicesOrange, CA | D | 68 | 474 | 48.5% | 6.56% |
| 30 | Nationstar MortgageCoppell, TX | C | 64 | 583 | 17.7% | 7.13% |
| 31 | Allied First Bank,sbOswego, IL | F | 62 | 74 | 37.8% | 3.50% |
| 32 | Barrington Bank & Trust CompanyBarrington, IL | C | 59 | 92 | 6.5% | 6.49% |
| 33 | Guaranteed RateChicago, IL | B | 56 | 364 | 16.8% | 6.50% |
| 34 | Towne MortgageTroy, MI | B | 51 | 234 | 6.8% | 6.50% |
| 35 | Stockton MortgageFrankfort, KY | D | 51 | 579 | 7.8% | 6.63% |
| 36 | Primelending, a PlainscapitalDallas, TX | A | 43 | 274 | 5.5% | 6.63% |
| 37 | Union Home MortgageStrongsville, OH | B | 41 | 398 | 7.5% | 6.25% |
| 38 | Fairway Independent MortgageMadison, WI | B | 38 | 391 | 9.5% | 6.69% |
| 39 | American Mortgage BankOklahoma City, OK | C | 36 | 762 | 3.7% | 6.25% |
| 40 | Regions BankBirmingham, AL | C | 36 | 4,916 | 44.7% | 5.75% |
| 41 | Community Bank of MississippiFlowood, MS | C | 33 | 3,856 | 9.0% | 7.65% |
| 42 | Plaza Home MortgageSan Diego, CA | C | 32 | 118 | 26.3% | 6.63% |
| 43 | LoanUnited.comDuluth, GA | C | 30 | 59 | 8.5% | 5.99% |
| 44 | Kind LendingIrvine, CA | C | 30 | 217 | 18.4% | 6.75% |
| 45 | Texana BankLinden, TX | C | 29 | 64 | 9.4% | 6.13% |
| 46 | Pentagon Federal Credit UnionMclean, VA | F | 29 | 140 | 37.9% | 6.88% |
| 47 | Cardinal Financial Company, Limited PartnershipCharlotte, NC | B | 29 | 485 | 6.6% | 6.25% |
| 48 | First Colony MortgageOrem, UT | A | 27 | 185 | 5.4% | 6.50% |
| 49 | Mutual of Omaha MortgageSan Diego, CA | C | 26 | 322 | 25.8% | 6.50% |
| 50 | BankPlusRidgeland, MS | B | 26 | 2,638 | 10.7% | 6.50% |
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.