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 | 855 | 940 | 16.7% | 6.13% |
| 2 | United Shore Financial ServicesPlymouth, MI | B | 503 | 1,857 | 9.2% | 6.25% |
| 3 | Freedom MortgageBoca Raton, FL | B | 407 | 724 | 8.6% | 6.00% |
| 4 | Rocket MortgagePlymouth, MI | C | 219 | 1,999 | 17.5% | 6.75% |
| 5 | New Day FinancialWest Palm Beach, FL | F | 210 | 215 | 19.1% | 6.75% |
| 6 | Stockman Bank of MontanaMiles City, MT | B | 175 | 2,911 | 6.3% | 6.88% |
| 7 | Evergreen Moneysource MortgageBellevue, WA | B | 124 | 1,158 | 1.1% | 6.25% |
| 8 | Navy Federal Credit UnionVienna, VA | D | 123 | 384 | 18.8% | 6.94% |
| 9 | NewrezWilmington, DE | D | 122 | 481 | 15.0% | 6.50% |
| 10 | USAA Federal Savings BankPhoenix, AZ | C | 113 | 193 | 26.9% | 6.38% |
| 11 | Crosscountry MortgageCleveland, OH | B | 96 | 920 | 5.1% | 6.63% |
| 12 | Pennymac Loan ServicesWestlake Village, CA | C | 95 | 667 | 11.8% | 6.62% |
| 13 | Guaranteed RateChicago, IL | B | 78 | 758 | 6.3% | 6.50% |
| 14 | Village Capital & InvestmentHenderson, NV | C | 73 | 97 | 22.7% | 5.75% |
| 15 | Lakeview Loan ServicingCoral Gables, FL | C | 70 | 272 | 34.9% | 6.25% |
| 16 | Fairway Independent MortgageMadison, WI | B | 67 | 296 | 4.4% | 6.13% |
| 17 | Kind LendingIrvine, CA | C | 66 | 450 | 21.1% | 6.50% |
| 18 | Opportunity Bank of MontanaHelena, MT | B | 66 | 1,608 | 9.8% | 6.88% |
| 19 | The Federal Savings BankChicago, IL | C | 61 | 91 | 6.6% | 6.50% |
| 20 | Broker SolutionsTustin, CA | D | 59 | 495 | 11.9% | 6.75% |
| 21 | Glacier BankKalispell, MT | D | 56 | 3,018 | 16.2% | 7.25% |
| 22 | LowerColumbia, MD | C | 49 | 300 | 8.0% | 6.00% |
| 23 | Guild MortgageSan Diego, CA | A | 46 | 733 | 3.7% | 6.25% |
| 24 | Mortgage Solutions of ColoradoColorado Springs, CO | C | 44 | 60 | 5.0% | 6.50% |
| 25 | Union Home MortgageStrongsville, OH | B | 43 | 245 | 4.5% | 6.50% |
| 26 | AmeriSave MortgageSandy Springs, GA | D | 37 | 456 | 61.6% | 8.00% |
| 27 | Synergy One LendingSan Diego, CA | C | 32 | 273 | 8.4% | 6.50% |
| 28 | Loandepot.ComIrvine, CA | D | 32 | 406 | 27.3% | 6.99% |
| 29 | Barrington Bank & Trust CompanyBarrington, IL | C | 30 | 188 | 5.3% | 6.28% |
| 30 | Mutual of Omaha MortgageSan Diego, CA | C | 28 | 220 | 17.3% | 6.43% |
| 31 | Carrington Mortgage ServicesOrange, CA | D | 26 | 128 | 47.7% | 6.63% |
| 32 | Nationstar MortgageCoppell, TX | C | 26 | 323 | 15.2% | 7.99% |
| 33 | Allied First Bank,sbOswego, IL | F | 21 | 24 | 33.3% | — |
| 34 | Planet Home LendingMeriden, CT | B | 20 | 35 | 14.3% | 5.99% |
| 35 | Calcon Mutual MortgageSan Diego, CA | D | 20 | 220 | 8.2% | 5.99% |
| 36 | Prosperity Home MortgageFairfax, VA | A | 19 | 139 | 6.5% | 6.63% |
| 37 | Churchill MortgageBrentwood, TN | B | 19 | 237 | 1.7% | 6.13% |
| 38 | Cornerstone Capital BankHouston, TX | A | 18 | 264 | 1.1% | 6.63% |
| 39 | Equity Prime MortgageAtlanta, GA | D | 17 | 54 | 11.1% | 6.50% |
| 40 | Envoy MortgageHouston, TX | D | 17 | 124 | 1.6% | 6.63% |
| 41 | American FinancingAurora, CO | D | 17 | 141 | 36.2% | 5.99% |
| 42 | Securitynational MortgageSalt Lake City, UT | D | 15 | 121 | 9.1% | 6.75% |
| 43 | American Financial ResourcesParsippany-Troy Hills, NJ | B | 13 | 47 | 4.3% | 6.25% |
| 44 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 13 | 49 | 6.1% | 6.38% |
| 45 | Pentagon Federal Credit UnionMclean, VA | F | 12 | 52 | 38.5% | 7.25% |
| 46 | Plains Commerce BankSioux Falls, SD | B | 12 | 142 | 9.9% | 6.50% |
| 47 | Texana BankLinden, TX | C | 11 | 16 | 0.0% | 6.75% |
| 48 | CMG MortgageSan Ramon, CA | A | 11 | 168 | 8.3% | 6.75% |
| 49 | U.S. BankCincinnati, OH | D | 11 | 1,024 | 27.1% | 7.13% |
| 50 | First Federal BankLake City, FL | B | 10 | 27 | 3.7% | 5.75% |
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.
