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 | 1,504 | 1,683 | 15.9% | 6.25% |
| 2 | United Shore Financial ServicesPlymouth, MI | B | 877 | 3,251 | 12.8% | 6.13% |
| 3 | Freedom MortgageBoca Raton, FL | B | 637 | 1,304 | 9.7% | 6.25% |
| 4 | Rocket MortgagePlymouth, MI | C | 413 | 4,440 | 20.5% | 6.75% |
| 5 | New Day FinancialWest Palm Beach, FL | F | 404 | 423 | 18.4% | 6.75% |
| 6 | Navy Federal Credit UnionVienna, VA | D | 332 | 1,085 | 17.3% | 6.63% |
| 7 | Pennymac Loan ServicesWestlake Village, CA | C | 285 | 1,330 | 12.3% | 6.38% |
| 8 | USAA Federal Savings BankPhoenix, AZ | C | 225 | 384 | 22.9% | 6.38% |
| 9 | Village Capital & InvestmentHenderson, NV | C | 202 | 289 | 21.5% | 5.75% |
| 10 | Waterstone MortgageBrookfield, WI | C | 196 | 2,740 | 3.2% | 6.88% |
| 11 | Guild MortgageSan Diego, CA | A | 181 | 3,186 | 4.3% | 6.63% |
| 12 | The Federal Savings BankChicago, IL | C | 174 | 204 | 9.3% | 6.50% |
| 13 | Loandepot.ComIrvine, CA | D | 167 | 1,441 | 24.6% | 6.75% |
| 14 | NewrezWilmington, DE | D | 154 | 935 | 20.1% | 6.75% |
| 15 | Primary Residential MortgageSalt Lake City, UT | C | 137 | 1,497 | 4.9% | 6.63% |
| 16 | Mortgage Solutions of ColoradoColorado Springs, CO | C | 124 | 339 | 3.2% | 6.75% |
| 17 | Dhi Mortgage CompanyArlington, TX | B | 120 | 720 | 20.1% | 4.99% |
| 18 | CMG MortgageSan Ramon, CA | A | 110 | 1,225 | 5.3% | 6.63% |
| 19 | Crosscountry MortgageCleveland, OH | B | 103 | 775 | 3.6% | 6.38% |
| 20 | Bell BankFargo, ND | A | 102 | 510 | 3.5% | 6.38% |
| 21 | Lakeview Loan ServicingCoral Gables, FL | C | 88 | 465 | 37.6% | 6.43% |
| 22 | Click n' CloseAddison, TX | C | 87 | 474 | 4.0% | 6.50% |
| 23 | Pulte MortgageWilmington, DE | A | 82 | 470 | 10.2% | 4.99% |
| 24 | Broker SolutionsTustin, CA | D | 79 | 994 | 10.3% | 6.88% |
| 25 | Gateway First BankJenks, OK | B | 65 | 320 | 6.3% | 6.63% |
| 26 | Nationstar MortgageCoppell, TX | C | 65 | 676 | 14.1% | 7.49% |
| 27 | Carrington Mortgage ServicesOrange, CA | D | 59 | 376 | 40.2% | 6.63% |
| 28 | Equity Prime MortgageAtlanta, GA | D | 58 | 182 | 6.6% | 6.63% |
| 29 | Mutual of Omaha MortgageSan Diego, CA | C | 57 | 373 | 21.2% | 6.25% |
| 30 | Kind LendingIrvine, CA | C | 57 | 449 | 22.3% | 6.63% |
| 31 | Guaranteed RateChicago, IL | B | 53 | 587 | 6.8% | 6.60% |
| 32 | AmeriSave MortgageSandy Springs, GA | D | 51 | 887 | 64.9% | 7.88% |
| 33 | Clearpath LendingIrvine, CA | B | 50 | 53 | 11.3% | 5.63% |
| 34 | Builders Choice MortgageBoca Raton, FL | C | 48 | 324 | 3.7% | 6.63% |
| 35 | BOKFTulsa, OK | D | 45 | 1,345 | 17.1% | 6.63% |
| 36 | Primelending, a PlainscapitalDallas, TX | A | 43 | 571 | 7.2% | 6.63% |
| 37 | Citizens Bank of Las CrucesLas Cruces, NM | A | 41 | 394 | 3.3% | 6.63% |
| 38 | Unnamed lender 254900M2C4Q6DATP2889 | F | 40 | 139 | 18.0% | 5.99% |
| 39 | NBKC BankKansas, MO | B | 39 | 142 | 9.2% | 6.13% |
| 40 | Directors MortgageLake Oswego, OR | B | 37 | 537 | 6.5% | 6.88% |
| 41 | LoanUnited.comDuluth, GA | C | 36 | 61 | 4.9% | 5.87% |
| 42 | Planet Home LendingMeriden, CT | B | 36 | 92 | 19.6% | 5.99% |
| 43 | Texana BankLinden, TX | C | 34 | 81 | 2.5% | 6.06% |
| 44 | First Federal BankLake City, FL | B | 34 | 81 | 9.9% | 6.13% |
| 45 | Calcon Mutual MortgageSan Diego, CA | D | 34 | 324 | 1.9% | 6.25% |
| 46 | V.i.p. MortgageScottsdale, AZ | B | 32 | 345 | 0.9% | 6.75% |
| 47 | Sunflower BankDallas, TX | B | 31 | 501 | 2.8% | 6.49% |
| 48 | NusendaAlbuquerque, NM | D | 31 | 2,962 | 13.7% | 8.00% |
| 49 | Magnolia BankHodgenville, KY | C | 30 | 46 | 13.0% | 6.06% |
| 50 | Movement MortgageLancaster, SC | A | 30 | 282 | 5.3% | 6.75% |
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.