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 | 1,437 | 1,648 | 21.7% | 6.25% |
| 2 | Rocket MortgagePlymouth, MI | C | 1,117 | 19,924 | 22.0% | 6.88% |
| 3 | Navy Federal Credit UnionVienna, VA | D | 795 | 3,600 | 26.1% | 7.34% |
| 4 | Pennymac Loan ServicesWestlake Village, CA | C | 503 | 4,054 | 13.9% | 6.50% |
| 5 | USAA Federal Savings BankPhoenix, AZ | C | 372 | 653 | 33.7% | 6.63% |
| 6 | United Shore Financial ServicesPlymouth, MI | B | 365 | 14,777 | 11.2% | 6.50% |
| 7 | Movement MortgageLancaster, SC | A | 343 | 2,016 | 5.4% | 6.63% |
| 8 | Freedom MortgageBoca Raton, FL | B | 308 | 1,765 | 13.7% | 6.75% |
| 9 | NewrezWilmington, DE | D | 295 | 8,654 | 24.2% | 6.75% |
| 10 | Premium MortgageRochester, NY | A | 258 | 5,816 | 3.0% | 6.63% |
| 11 | Texana BankLinden, TX | C | 246 | 380 | 4.5% | 5.75% |
| 12 | Crosscountry MortgageCleveland, OH | B | 240 | 7,792 | 5.5% | 6.75% |
| 13 | The Federal Savings BankChicago, IL | C | 215 | 1,087 | 10.7% | 6.63% |
| 14 | Planet Home LendingMeriden, CT | B | 183 | 352 | 14.5% | 5.99% |
| 15 | Barrington Bank & Trust CompanyBarrington, IL | C | 178 | 282 | 8.2% | 6.75% |
| 16 | Loandepot.ComIrvine, CA | D | 162 | 3,857 | 18.5% | 6.75% |
| 17 | Homestead FundingAlbany, NY | A | 156 | 4,860 | 2.1% | 6.49% |
| 18 | Contour MortgageDover, DE | B | 115 | 2,863 | 2.3% | 6.63% |
| 19 | Carrington Mortgage ServicesOrange, CA | D | 108 | 1,663 | 38.2% | 6.63% |
| 20 | Nationstar MortgageCoppell, TX | C | 106 | 1,519 | 16.4% | 6.63% |
| 21 | 1st Priority MortgageWilliamsville, NY | A | 83 | 1,983 | 4.2% | 6.50% |
| 22 | Manufacturers and Traders TrustBuffalo, NY | C | 83 | 12,335 | 31.3% | 5.99% |
| 23 | Guaranteed RateChicago, IL | B | 82 | 2,146 | 4.4% | 6.63% |
| 24 | Pentagon Federal Credit UnionMclean, VA | F | 75 | 916 | 45.9% | 7.63% |
| 25 | American Financial NetworkBrea, CA | C | 75 | 1,381 | 9.0% | 6.99% |
| 26 | Plaza Home MortgageSan Diego, CA | C | 72 | 2,124 | 34.2% | 6.75% |
| 27 | Primelending, a PlainscapitalDallas, TX | A | 69 | 1,653 | 5.1% | 6.75% |
| 28 | Broker SolutionsTustin, CA | D | 68 | 1,907 | 4.7% | 6.75% |
| 29 | Genesee Regional BankRochester, NY | B | 64 | 2,126 | 5.2% | 6.88% |
| 30 | Reliance First CapitalWilmington, DE | C | 63 | 796 | 5.0% | 6.63% |
| 31 | AMERICU Credit UnionRome, NY | C | 60 | 3,444 | 24.1% | 6.13% |
| 32 | Equity Prime MortgageAtlanta, GA | D | 55 | 216 | 14.4% | 6.63% |
| 33 | American Neighborhood Mortgage Acceptance CompanyMount Laurel, NJ | B | 53 | 1,016 | 2.0% | 6.63% |
| 34 | Nationwide Mortgage BankersLebanon, NJ | C | 52 | 2,912 | 3.0% | 6.75% |
| 35 | Everett FinancialDallas, | C | 51 | 1,053 | 6.8% | 6.63% |
| 36 | KeyBankCleveland, OH | C | 48 | 4,212 | 26.5% | 6.50% |
| 37 | JPMorgan Chase BankColumbus, OH | B | 48 | 14,735 | 11.7% | 6.38% |
| 38 | CMG MortgageSan Ramon, CA | A | 46 | 2,112 | 6.9% | 6.38% |
| 39 | Hunt MortgageBuffalo, NY | B | 42 | 1,118 | 5.5% | 6.63% |
| 40 | PHH MortgageMount Laurel, NJ | C | 33 | 631 | 8.2% | 6.38% |
| 41 | Sefcu ServicesAlbany, NY | A | 33 | 2,747 | 1.9% | 6.13% |
| 42 | Citizens BankProvidence, RI | C | 30 | 20,315 | 32.7% | 7.97% |
| 43 | United Trust BankPalos Heights, IL | C | 29 | 29 | 13.8% | 6.19% |
| 44 | Armed Forces BankFort Leavenworth, MO | C | 28 | 32 | 9.4% | 6.50% |
| 45 | NBKC BankKansas, MO | B | 26 | 188 | 16.5% | 6.50% |
| 46 | United Northern Mortgage BankersLevittown, NY | C | 25 | 786 | 6.7% | 6.62% |
| 47 | American FinancingAurora, CO | D | 24 | 457 | 56.2% | 6.13% |
| 48 | Sun West Mortgage CompanyCerritos, CA | B | 23 | 211 | 12.3% | 6.38% |
| 49 | Wells Fargo BankCharlotte, NC | B | 22 | 4,975 | 14.4% | 6.13% |
| 50 | Northern Credit UnionWatertown, NY | B | 21 | 1,062 | 17.0% | 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.
