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 | 4,598 | 5,734 | 15.6% | 6.25% |
| 2 | Freedom MortgageBoca Raton, FL | B | 1,612 | 3,946 | 8.2% | 6.25% |
| 3 | New Day FinancialWest Palm Beach, FL | F | 1,268 | 1,326 | 22.6% | 6.99% |
| 4 | United Shore Financial ServicesPlymouth, MI | B | 1,015 | 6,710 | 8.0% | 6.55% |
| 5 | Rocket MortgagePlymouth, MI | C | 928 | 10,460 | 18.4% | 6.63% |
| 6 | Flat Branch MortgageColumbia, MO | A | 927 | 8,999 | 0.9% | 6.63% |
| 7 | Pennymac Loan ServicesWestlake Village, CA | C | 874 | 4,610 | 12.1% | 6.38% |
| 8 | NewrezWilmington, DE | D | 693 | 3,424 | 18.2% | 6.63% |
| 9 | Navy Federal Credit UnionVienna, VA | D | 677 | 2,262 | 20.8% | 6.63% |
| 10 | Village Capital & InvestmentHenderson, NV | C | 536 | 879 | 12.0% | 5.99% |
| 11 | The Federal Savings BankChicago, IL | C | 462 | 580 | 9.8% | 6.50% |
| 12 | USAA Federal Savings BankPhoenix, AZ | C | 454 | 691 | 21.6% | 6.25% |
| 13 | Guild MortgageSan Diego, CA | A | 415 | 7,388 | 2.5% | 6.63% |
| 14 | Broker SolutionsTustin, CA | D | 316 | 5,007 | 7.8% | 6.88% |
| 15 | DAS Acquisition CompanySt. Louis, MO | B | 259 | 4,130 | 2.5% | 6.75% |
| 16 | Fairway Independent MortgageMadison, WI | B | 245 | 3,034 | 3.7% | 6.63% |
| 17 | Loandepot.ComIrvine, CA | D | 227 | 2,183 | 28.4% | 6.88% |
| 18 | Crosscountry MortgageCleveland, OH | B | 216 | 1,787 | 4.0% | 6.69% |
| 19 | Mutual of Omaha MortgageSan Diego, CA | C | 197 | 1,012 | 19.1% | 6.38% |
| 20 | Lakeview Loan ServicingCoral Gables, FL | C | 171 | 1,226 | 41.8% | 6.63% |
| 21 | Gershman InvestmentChesterfield, MO | B | 169 | 2,317 | 6.3% | 6.63% |
| 22 | AmeriSave MortgageSandy Springs, GA | D | 167 | 2,434 | 61.4% | 7.25% |
| 23 | Planet Home LendingMeriden, CT | B | 163 | 479 | 18.4% | 5.99% |
| 24 | Prosperity Home MortgageFairfax, VA | A | 149 | 901 | 6.7% | 6.50% |
| 25 | Leaderone FinancialOverland Park, KS | D | 144 | 2,189 | 8.0% | 6.63% |
| 26 | Primelending, a PlainscapitalDallas, TX | A | 138 | 1,896 | 2.4% | 6.50% |
| 27 | Mortgage Solutions of ColoradoColorado Springs, CO | C | 137 | 204 | 9.3% | 7.75% |
| 28 | Nationstar MortgageCoppell, TX | C | 117 | 1,951 | 14.0% | 7.75% |
| 29 | Carrington Mortgage ServicesOrange, CA | D | 115 | 1,043 | 39.2% | 6.63% |
| 30 | Guaranteed RateChicago, IL | B | 112 | 964 | 9.1% | 6.50% |
| 31 | The Central Trust BankJefferson City, MO | C | 108 | 7,022 | 9.7% | 6.63% |
| 32 | Equity Prime MortgageAtlanta, GA | D | 105 | 432 | 7.4% | 6.63% |
| 33 | NBKC BankKansas, MO | B | 92 | 792 | 8.6% | 6.25% |
| 34 | LowerColumbia, MD | C | 89 | 396 | 15.7% | 6.50% |
| 35 | American Financial ResourcesParsippany-Troy Hills, NJ | B | 86 | 667 | 3.0% | 6.63% |
| 36 | Community MortgageKansas City, MO | A | 84 | 819 | 1.3% | 6.38% |
| 37 | Arvest BankFayetteville, AR | C | 84 | 3,204 | 15.0% | 6.88% |
| 38 | Allied First Bank,sbOswego, IL | F | 77 | 91 | 33.0% | — |
| 39 | Gold Star Mortgage Financial GroupAnn Arbor, MI | C | 76 | 209 | 1.0% | 6.75% |
| 40 | Endeavor Capital, LLC.Chesterfield, MO | C | 70 | 906 | 2.5% | 6.62% |
| 41 | Guaranteed Rate AffinityChicago, IL | A | 69 | 1,154 | 4.2% | 6.53% |
| 42 | First State Bank of St. Charles, MissouriSt. Charles, MO | A | 68 | 1,609 | 0.0% | 6.50% |
| 43 | Texana BankLinden, TX | C | 66 | 121 | 8.3% | 6.00% |
| 44 | American Pacific MortgageRoseville, CA | C | 66 | 878 | 6.4% | 6.63% |
| 45 | Barrington Bank & Trust CompanyBarrington, IL | C | 63 | 113 | 3.5% | 6.49% |
| 46 | Click n' CloseAddison, TX | C | 61 | 566 | 3.4% | 6.50% |
| 47 | Midwest Mortgage AssociatesColorado Springs, CO | B | 59 | 423 | 1.4% | 6.63% |
| 48 | GoodLeapRoseville, CA | C | 59 | 527 | 23.3% | 6.38% |
| 49 | U.S. BankCincinnati, OH | D | 58 | 7,190 | 32.8% | 7.63% |
| 50 | Armed Forces BankFort Leavenworth, MO | C | 57 | 117 | 17.1% | 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.
