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 | 1,908 | 2,017 | 19.9% | 6.13% |
| 2 | United Shore Financial ServicesPlymouth, MI | B | 1,264 | 6,913 | 11.4% | 6.31% |
| 3 | Freedom MortgageBoca Raton, FL | B | 1,164 | 2,502 | 6.4% | 6.13% |
| 4 | New Day FinancialWest Palm Beach, FL | F | 727 | 758 | 27.6% | 6.75% |
| 5 | Rocket MortgagePlymouth, MI | C | 598 | 6,889 | 15.4% | 6.88% |
| 6 | Guild MortgageSan Diego, CA | A | 535 | 5,533 | 2.6% | 6.50% |
| 7 | Dhi Mortgage CompanyArlington, TX | B | 494 | 2,549 | 6.8% | 4.99% |
| 8 | Navy Federal Credit UnionVienna, VA | D | 480 | 2,579 | 24.5% | 7.75% |
| 9 | Pennymac Loan ServicesWestlake Village, CA | C | 420 | 3,188 | 12.5% | 6.62% |
| 10 | NewrezWilmington, DE | D | 355 | 1,716 | 21.0% | 6.63% |
| 11 | Lennar MortgageMiami, FL | A | 282 | 2,107 | 7.1% | 4.75% |
| 12 | The Federal Savings BankChicago, IL | C | 275 | 350 | 10.0% | 6.25% |
| 13 | Village Capital & InvestmentHenderson, NV | C | 272 | 411 | 17.8% | 5.75% |
| 14 | Crosscountry MortgageCleveland, OH | B | 242 | 2,251 | 4.6% | 6.75% |
| 15 | Loandepot.ComIrvine, CA | D | 238 | 2,484 | 18.2% | 6.99% |
| 16 | GoodLeapRoseville, CA | C | 201 | 1,102 | 22.9% | 6.38% |
| 17 | Broker SolutionsTustin, CA | D | 194 | 2,559 | 8.9% | 6.75% |
| 18 | USAA Federal Savings BankPhoenix, AZ | C | 188 | 289 | 20.4% | 6.25% |
| 19 | Guaranteed RateChicago, IL | B | 162 | 1,862 | 8.6% | 6.75% |
| 20 | Lakeview Loan ServicingCoral Gables, FL | C | 159 | 920 | 43.6% | 6.43% |
| 21 | Mutual of Omaha MortgageSan Diego, CA | C | 153 | 862 | 17.5% | 6.38% |
| 22 | CMG MortgageSan Ramon, CA | A | 122 | 1,495 | 6.2% | 6.70% |
| 23 | Pulte MortgageWilmington, DE | A | 114 | 1,251 | 17.5% | 5.63% |
| 24 | AmeriSave MortgageSandy Springs, GA | D | 112 | 1,272 | 57.1% | 8.50% |
| 25 | Carrington Mortgage ServicesOrange, CA | D | 110 | 500 | 38.4% | 6.25% |
| 26 | Equity Prime MortgageAtlanta, GA | D | 102 | 242 | 9.9% | 6.50% |
| 27 | Kbhs Home LoansIrving, TX | B | 101 | 1,132 | 9.5% | 5.88% |
| 28 | Homeamerican MortgageDenver, CO | A | 95 | 482 | 8.1% | 4.50% |
| 29 | LoanUnited.comDuluth, GA | C | 93 | 168 | 11.9% | 5.99% |
| 30 | Fairway Independent MortgageMadison, WI | B | 84 | 620 | 4.4% | 6.75% |
| 31 | Evergreen Moneysource MortgageBellevue, WA | B | 80 | 636 | 0.8% | 6.63% |
| 32 | Clearpath LendingIrvine, CA | B | 76 | 78 | 10.3% | 5.63% |
| 33 | Allied First Bank,sbOswego, IL | F | 75 | 95 | 31.6% | 4.00% |
| 34 | Planet Home LendingMeriden, CT | B | 73 | 272 | 22.1% | 5.99% |
| 35 | Mortgage Solutions of ColoradoColorado Springs, CO | C | 71 | 87 | 9.2% | 7.25% |
| 36 | Inspire Home LoansNewport Beach, CA | B | 68 | 469 | 9.0% | 4.88% |
| 37 | Sun West Mortgage CompanyCerritos, CA | B | 65 | 265 | 11.7% | 6.22% |
| 38 | U.S. BankCincinnati, OH | D | 65 | 3,745 | 40.2% | 7.65% |
| 39 | PHH MortgageMount Laurel, NJ | C | 64 | 340 | 5.0% | 5.99% |
| 40 | Texana BankLinden, TX | C | 63 | 127 | 6.3% | 6.00% |
| 41 | Gold Star Mortgage Financial GroupAnn Arbor, MI | C | 59 | 514 | 0.8% | 6.63% |
| 42 | Toll Brothers MortgageWilmington, DE | A | 57 | 500 | 6.4% | 6.49% |
| 43 | American Financial NetworkBrea, CA | C | 55 | 546 | 8.2% | 6.63% |
| 44 | Movement MortgageLancaster, SC | A | 55 | 911 | 6.2% | 6.88% |
| 45 | Prosperity Home MortgageFairfax, VA | A | 51 | 303 | 10.2% | 6.25% |
| 46 | Primelending, a PlainscapitalDallas, TX | A | 51 | 442 | 3.6% | 6.49% |
| 47 | Premier Mortgage ResourcesMeridian, ID | B | 49 | 472 | 1.5% | 6.50% |
| 48 | Clm MortgageHouston, TX | A | 46 | 284 | 0.7% | 6.12% |
| 49 | Securitynational MortgageSalt Lake City, UT | D | 46 | 543 | 9.0% | 6.75% |
| 50 | Zillow Home LoansIrvine, CA | B | 45 | 352 | 6.3% | 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.
