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 | 718 | 806 | 17.9% | 6.13% |
| 2 | United Shore Financial ServicesPlymouth, MI | B | 342 | 2,488 | 8.8% | 6.50% |
| 3 | Freedom MortgageBoca Raton, FL | B | 269 | 729 | 8.4% | 6.25% |
| 4 | CMG MortgageSan Ramon, CA | A | 228 | 3,499 | 2.5% | 6.63% |
| 5 | Rocket MortgagePlymouth, MI | C | 196 | 3,090 | 17.0% | 6.75% |
| 6 | New Day FinancialWest Palm Beach, FL | F | 164 | 169 | 20.7% | 6.74% |
| 7 | Navy Federal Credit UnionVienna, VA | D | 125 | 634 | 17.5% | 7.50% |
| 8 | NewrezWilmington, DE | D | 115 | 836 | 17.1% | 6.75% |
| 9 | Pennymac Loan ServicesWestlake Village, CA | C | 114 | 680 | 11.8% | 6.63% |
| 10 | The Federal Savings BankChicago, IL | C | 77 | 105 | 8.6% | 6.25% |
| 11 | USAA Federal Savings BankPhoenix, AZ | C | 71 | 137 | 21.9% | 6.38% |
| 12 | Emm LoansCherry Hill, NJ | B | 70 | 928 | 1.3% | 6.63% |
| 13 | Lakeview Loan ServicingCoral Gables, FL | C | 65 | 419 | 40.1% | 6.25% |
| 14 | Fairway Independent MortgageMadison, WI | B | 63 | 944 | 6.0% | 6.63% |
| 15 | Crosscountry MortgageCleveland, OH | B | 58 | 965 | 3.5% | 6.79% |
| 16 | Village Capital & InvestmentHenderson, NV | C | 54 | 84 | 19.1% | 5.75% |
| 17 | Guild MortgageSan Diego, CA | A | 50 | 970 | 5.5% | 6.63% |
| 18 | Loandepot.ComIrvine, CA | D | 45 | 936 | 14.6% | 6.75% |
| 19 | Guaranteed RateChicago, IL | B | 36 | 700 | 4.6% | 6.55% |
| 20 | Broker SolutionsTustin, CA | D | 34 | 585 | 9.1% | 6.75% |
| 21 | Service Federal Credit UnionPortsmouth, NH | C | 33 | 2,300 | 25.5% | 6.49% |
| 22 | Primelending, a PlainscapitalDallas, TX | A | 26 | 172 | 6.4% | 6.63% |
| 23 | Movement MortgageLancaster, SC | A | 26 | 444 | 4.3% | 6.63% |
| 24 | LoanUnited.comDuluth, GA | C | 23 | 50 | 4.0% | 5.63% |
| 25 | Total Mortgage ServicesMilford, CT | B | 23 | 401 | 3.7% | 6.63% |
| 26 | Nationstar MortgageCoppell, TX | C | 22 | 468 | 13.3% | 7.38% |
| 27 | AmeriSave MortgageSandy Springs, GA | D | 22 | 594 | 61.3% | 7.63% |
| 28 | Northpoint MortgageSturbridge, MA | A | 21 | 317 | 4.4% | 6.50% |
| 29 | Allied First Bank,sbOswego, IL | F | 19 | 26 | 30.8% | — |
| 30 | Mutual of Omaha MortgageSan Diego, CA | C | 19 | 225 | 16.0% | 6.38% |
| 31 | Harborone MortgageBrockton, MA | B | 19 | 432 | 6.0% | 6.63% |
| 32 | Envoy MortgageHouston, TX | D | 18 | 265 | 2.6% | 6.63% |
| 33 | Carrington Mortgage ServicesOrange, CA | D | 17 | 184 | 36.4% | 7.06% |
| 34 | Planet Home LendingMeriden, CT | B | 15 | 28 | 7.1% | 5.75% |
| 35 | Equity Prime MortgageAtlanta, GA | D | 15 | 53 | 5.7% | 6.44% |
| 36 | Armed Forces BankFort Leavenworth, MO | C | 13 | 16 | 18.8% | 6.13% |
| 37 | American Financial ResourcesParsippany-Troy Hills, NJ | B | 13 | 54 | 3.7% | 6.25% |
| 38 | American Neighborhood Mortgage Acceptance CompanyMount Laurel, NJ | B | 13 | 286 | 4.2% | 6.63% |
| 39 | Waterstone MortgageBrookfield, WI | C | 12 | 149 | 4.0% | 6.88% |
| 40 | Embrace Home LoansMiddletown, RI | A | 12 | 174 | 1.7% | 6.63% |
| 41 | Everett FinancialDallas, | C | 12 | 174 | 2.9% | 6.63% |
| 42 | Leader BankArlington, MA | A | 12 | 299 | 1.3% | 6.38% |
| 43 | Pentagon Federal Credit UnionMclean, VA | F | 11 | 82 | 40.2% | 7.63% |
| 44 | American FinancingAurora, CO | D | 11 | 83 | 42.2% | 6.00% |
| 45 | Guaranteed Rate AffinityChicago, IL | A | 11 | 136 | 2.9% | 6.58% |
| 46 | Keystone FundingDover, DE | A | 11 | 214 | 2.8% | 6.50% |
| 47 | Magnolia BankHodgenville, KY | C | 10 | 16 | 18.8% | 5.99% |
| 48 | First Federal BankLake City, FL | B | 10 | 47 | 8.5% | 5.99% |
| 49 | Radius Financial GroupNorwell, MA | B | 10 | 85 | 3.5% | 6.62% |
| 50 | Reliance First CapitalWilmington, DE | C | 9 | 55 | 3.6% | 6.44% |
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.
