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 | 1,370 | 1,651 | 12.5% | 6.25% |
| 2 | United Shore Financial ServicesPlymouth, MI | B | 461 | 1,558 | 8.2% | 6.37% |
| 3 | Freedom MortgageBoca Raton, FL | B | 384 | 898 | 9.1% | 6.25% |
| 4 | Rocket MortgagePlymouth, MI | C | 303 | 3,384 | 17.6% | 6.75% |
| 5 | New Day FinancialWest Palm Beach, FL | F | 283 | 289 | 23.5% | 6.99% |
| 6 | Pennymac Loan ServicesWestlake Village, CA | C | 247 | 1,137 | 11.8% | 6.49% |
| 7 | Navy Federal Credit UnionVienna, VA | D | 170 | 639 | 18.2% | 6.75% |
| 8 | NewrezWilmington, DE | D | 155 | 657 | 16.4% | 6.50% |
| 9 | Charter West BankWest Point, NE | C | 154 | 2,258 | 6.6% | 6.50% |
| 10 | Guaranteed RateChicago, IL | B | 148 | 863 | 4.1% | 6.50% |
| 11 | USAA Federal Savings BankPhoenix, AZ | C | 131 | 201 | 22.4% | 6.25% |
| 12 | Dhi Mortgage CompanyArlington, TX | B | 104 | 500 | 10.4% | 5.50% |
| 13 | CMG MortgageSan Ramon, CA | A | 100 | 968 | 3.5% | 6.50% |
| 14 | The Federal Savings BankChicago, IL | C | 97 | 117 | 8.6% | 6.25% |
| 15 | Village Capital & InvestmentHenderson, NV | C | 92 | 124 | 19.4% | 5.75% |
| 16 | Lincoln FSB of NebraskaLincoln, NE | A | 79 | 1,294 | 2.8% | 6.38% |
| 17 | Pinnacle BankLincoln, NE | B | 78 | 3,371 | 4.3% | 6.95% |
| 18 | Fairway Independent MortgageMadison, WI | B | 70 | 885 | 4.8% | 6.13% |
| 19 | Churchill MortgageBrentwood, TN | B | 58 | 634 | 2.4% | 6.50% |
| 20 | Lakeview Loan ServicingCoral Gables, FL | C | 57 | 230 | 29.6% | 6.25% |
| 21 | West Gate BankLincoln, NE | A | 55 | 2,040 | 5.0% | 6.50% |
| 22 | Mutual of Omaha MortgageSan Diego, CA | C | 53 | 400 | 13.8% | 6.38% |
| 23 | Loandepot.ComIrvine, CA | D | 52 | 507 | 30.2% | 6.99% |
| 24 | First National Bank of OmahaOmaha, NE | C | 52 | 2,902 | 19.6% | 7.00% |
| 25 | Broker SolutionsTustin, CA | D | 50 | 552 | 7.8% | 6.88% |
| 26 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 49 | 356 | 1.4% | 6.49% |
| 27 | Core BankOmaha, NE | A | 48 | 492 | 3.9% | 6.25% |
| 28 | Planet Home LendingMeriden, CT | B | 47 | 89 | 19.1% | 5.99% |
| 29 | Plains Commerce BankSioux Falls, SD | B | 46 | 546 | 7.9% | 6.38% |
| 30 | Guild MortgageSan Diego, CA | A | 46 | 626 | 3.5% | 6.38% |
| 31 | Prosperity Home MortgageFairfax, VA | A | 43 | 331 | 3.3% | 6.25% |
| 32 | Access BankOmaha, NE | A | 41 | 565 | 2.1% | 6.38% |
| 33 | AmeriSave MortgageSandy Springs, GA | D | 38 | 568 | 60.0% | 8.00% |
| 34 | Gershman InvestmentChesterfield, MO | B | 38 | 654 | 1.7% | 6.38% |
| 35 | Veridian Credit UnionWaterloo, IA | B | 35 | 2,051 | 9.8% | 6.49% |
| 36 | Clearpath LendingIrvine, CA | B | 33 | 33 | 12.1% | 5.75% |
| 37 | Moria DevelopmentTempe, AZ | B | 31 | 394 | 3.6% | 6.63% |
| 38 | Mortgage Solutions of ColoradoColorado Springs, CO | C | 28 | 37 | 16.2% | 7.75% |
| 39 | Arbor BankOakland, IA | A | 28 | 419 | 0.5% | — |
| 40 | NBKC BankKansas, MO | B | 26 | 89 | 9.0% | 6.13% |
| 41 | Gold Star Mortgage Financial GroupAnn Arbor, MI | C | 26 | 194 | 1.0% | 6.63% |
| 42 | Equity Prime MortgageAtlanta, GA | D | 24 | 63 | 11.1% | 6.50% |
| 43 | Flat Branch MortgageColumbia, MO | A | 24 | 302 | 0.3% | 6.63% |
| 44 | Crosscountry MortgageCleveland, OH | B | 22 | 125 | 3.2% | 6.50% |
| 45 | First BankSt. Louis, MO | C | 22 | 409 | 2.4% | 6.38% |
| 46 | Liberty First Credit UnionLincoln, NE | C | 22 | 659 | 9.6% | 6.63% |
| 47 | LoanUnited.comDuluth, GA | C | 21 | 70 | 1.4% | 6.13% |
| 48 | U.S. BankCincinnati, OH | D | 21 | 2,163 | 32.9% | 6.99% |
| 49 | Regent Financial GroupOmaha, NE | B | 20 | 327 | 0.0% | 6.38% |
| 50 | Nationstar MortgageCoppell, TX | C | 20 | 407 | 12.8% | 7.49% |
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.
