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 | 1,946 | 2,115 | 21.6% | 6.25% |
| 2 | United Shore Financial ServicesPlymouth, MI | B | 838 | 10,552 | 15.3% | 6.38% |
| 3 | Freedom MortgageBoca Raton, FL | B | 788 | 4,045 | 9.7% | 6.25% |
| 4 | New Day FinancialWest Palm Beach, FL | F | 742 | 780 | 23.9% | 6.88% |
| 5 | Rocket MortgagePlymouth, MI | C | 538 | 16,339 | 16.1% | 6.75% |
| 6 | Navy Federal Credit UnionVienna, VA | D | 424 | 3,633 | 25.2% | 7.84% |
| 7 | Crosscountry MortgageCleveland, OH | B | 377 | 12,042 | 5.3% | 6.75% |
| 8 | Pennymac Loan ServicesWestlake Village, CA | C | 336 | 6,343 | 12.9% | 6.62% |
| 9 | NewrezWilmington, DE | D | 284 | 6,535 | 22.5% | 6.99% |
| 10 | Village Capital & InvestmentHenderson, NV | C | 273 | 795 | 18.6% | 6.25% |
| 11 | The Federal Savings BankChicago, IL | C | 268 | 1,085 | 6.5% | 6.63% |
| 12 | Guaranteed RateChicago, IL | B | 265 | 8,643 | 5.5% | 6.58% |
| 13 | USAA Federal Savings BankPhoenix, AZ | C | 182 | 335 | 34.3% | 6.50% |
| 14 | Loandepot.ComIrvine, CA | D | 140 | 6,491 | 15.3% | 6.63% |
| 15 | CMG MortgageSan Ramon, CA | A | 136 | 3,879 | 7.0% | 6.75% |
| 16 | Broker SolutionsTustin, CA | D | 120 | 3,976 | 9.7% | 6.88% |
| 17 | Affordable Mortgage Advisors, LLC.Pittsburgh, PA | B | 116 | 2,090 | 2.0% | 6.63% |
| 18 | Lakeview Loan ServicingCoral Gables, FL | C | 105 | 2,074 | 52.2% | 6.75% |
| 19 | Carrington Mortgage ServicesOrange, CA | D | 104 | 1,219 | 42.9% | 6.38% |
| 20 | American Neighborhood Mortgage Acceptance CompanyMount Laurel, NJ | B | 102 | 2,861 | 2.5% | 6.63% |
| 21 | Equity Prime MortgageAtlanta, GA | D | 89 | 561 | 13.4% | 6.63% |
| 22 | LoanUnited.comDuluth, GA | C | 83 | 204 | 10.8% | 6.25% |
| 23 | Movement MortgageLancaster, SC | A | 79 | 2,422 | 8.2% | 6.63% |
| 24 | Unnamed lender 254900M2C4Q6DATP2889 | F | 73 | 531 | 13.0% | 5.99% |
| 25 | Nation One MortgageMarlton, NJ | C | 72 | 1,610 | 3.9% | 6.63% |
| 26 | Absolute Home MortgageFairfield, NJ | C | 70 | 2,305 | 3.3% | 6.63% |
| 27 | NFMLinthicum, MD | A | 69 | 1,354 | 2.9% | 6.63% |
| 28 | AmeriSave MortgageSandy Springs, GA | D | 68 | 2,771 | 56.4% | 8.38% |
| 29 | Paramount Residential Mortgage GroupCorona, CA | B | 62 | 2,234 | 3.8% | 6.63% |
| 30 | Mutual of Omaha MortgageSan Diego, CA | C | 60 | 1,310 | 20.6% | 6.38% |
| 31 | Advisors Mortgage GroupOcean, NJ | B | 57 | 2,323 | 3.7% | 6.63% |
| 32 | NVR Mortgage FinanceReston, VA | B | 56 | 949 | 19.6% | 6.50% |
| 33 | Prosperity Home MortgageFairfax, VA | A | 56 | 1,469 | 4.6% | 6.63% |
| 34 | Pentagon Federal Credit UnionMclean, VA | F | 54 | 1,199 | 41.3% | 7.75% |
| 35 | Planet Home LendingMeriden, CT | B | 51 | 234 | 21.8% | 5.99% |
| 36 | Nationstar MortgageCoppell, TX | C | 49 | 2,406 | 14.9% | 7.75% |
| 37 | Clearpath LendingIrvine, CA | B | 46 | 52 | 7.7% | 5.63% |
| 38 | Emm LoansCherry Hill, NJ | B | 45 | 851 | 5.2% | 6.63% |
| 39 | Texana BankLinden, TX | C | 39 | 158 | 5.1% | 6.38% |
| 40 | American Financial ResourcesParsippany-Troy Hills, NJ | B | 37 | 417 | 7.2% | 6.38% |
| 41 | Allied First Bank,sbOswego, IL | F | 36 | 88 | 38.6% | — |
| 42 | Fairway Independent MortgageMadison, WI | B | 36 | 1,213 | 4.7% | 6.75% |
| 43 | Mortgage AccessMorris Plains, NJ | B | 35 | 852 | 4.9% | 6.63% |
| 44 | Dhi Mortgage CompanyArlington, TX | B | 34 | 769 | 5.6% | 6.50% |
| 45 | LowerColumbia, MD | C | 33 | 550 | 16.0% | 6.50% |
| 46 | Luminate BankMinneapolis, MN | B | 32 | 1,631 | 3.1% | 6.49% |
| 47 | Armed Forces BankFort Leavenworth, MO | C | 31 | 44 | 25.0% | 6.00% |
| 48 | Homebridge Financial ServicesIselin, NJ | B | 31 | 1,410 | 15.2% | 10.16% |
| 49 | Guaranteed Rate AffinityChicago, IL | A | 28 | 1,709 | 3.1% | 6.58% |
| 50 | OceanFirst BankRed Bank, NJ | A | 28 | 2,861 | 9.5% | 6.38% |
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.
