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 | 8,951 | 10,029 | 17.7% | 6.25% |
| 2 | Freedom MortgageBoca Raton, FL | B | 5,402 | 9,632 | 7.1% | 6.13% |
| 3 | United Shore Financial ServicesPlymouth, MI | B | 5,394 | 18,884 | 11.4% | 6.13% |
| 4 | New Day FinancialWest Palm Beach, FL | F | 2,758 | 2,855 | 24.2% | 6.99% |
| 5 | Navy Federal Credit UnionVienna, VA | D | 2,742 | 10,565 | 19.4% | 7.13% |
| 6 | Rocket MortgagePlymouth, MI | C | 2,727 | 25,109 | 16.0% | 6.63% |
| 7 | Pennymac Loan ServicesWestlake Village, CA | C | 2,349 | 7,253 | 9.5% | 6.00% |
| 8 | NewrezWilmington, DE | D | 1,818 | 7,099 | 16.6% | 6.25% |
| 9 | Movement MortgageLancaster, SC | A | 1,502 | 11,091 | 2.6% | 6.63% |
| 10 | Village Capital & InvestmentHenderson, NV | C | 1,491 | 2,083 | 20.7% | 5.75% |
| 11 | Dhi Mortgage CompanyArlington, TX | B | 1,215 | 7,548 | 13.8% | 5.13% |
| 12 | Crosscountry MortgageCleveland, OH | B | 1,050 | 6,790 | 2.9% | 6.58% |
| 13 | USAA Federal Savings BankPhoenix, AZ | C | 891 | 1,465 | 25.6% | 6.38% |
| 14 | Loandepot.ComIrvine, CA | D | 754 | 6,867 | 23.2% | 6.13% |
| 15 | The Federal Savings BankChicago, IL | C | 743 | 1,033 | 7.9% | 6.50% |
| 16 | Guaranteed RateChicago, IL | B | 675 | 4,625 | 5.5% | 6.53% |
| 17 | Atlantic Bay Mortgage GroupVirginia Beach, VA | A | 624 | 7,671 | 1.1% | 6.63% |
| 18 | Guild MortgageSan Diego, CA | A | 602 | 2,711 | 3.0% | 6.50% |
| 19 | Equity Prime MortgageAtlanta, GA | D | 512 | 1,290 | 9.4% | 6.63% |
| 20 | Union Home MortgageStrongsville, OH | B | 502 | 2,766 | 3.8% | 6.56% |
| 21 | Lakeview Loan ServicingCoral Gables, FL | C | 488 | 2,283 | 49.2% | 6.25% |
| 22 | Jet HomeloansJacksonville, FL | A | 477 | 1,002 | 1.0% | 4.99% |
| 23 | American Security MortgageCharlotte, NC | A | 445 | 3,413 | 0.8% | 6.38% |
| 24 | AmeriSave MortgageSandy Springs, GA | D | 428 | 4,743 | 59.2% | 7.50% |
| 25 | Mortgage Solutions of ColoradoColorado Springs, CO | C | 425 | 597 | 3.0% | 7.75% |
| 26 | Broker SolutionsTustin, CA | D | 417 | 4,708 | 9.1% | 6.75% |
| 27 | Carrington Mortgage ServicesOrange, CA | D | 400 | 2,120 | 40.7% | 6.50% |
| 28 | Unnamed lender 254900M2C4Q6DATP2889 | F | 372 | 1,014 | 18.4% | 6.13% |
| 29 | NVR Mortgage FinanceReston, VA | B | 353 | 2,595 | 17.2% | 6.13% |
| 30 | Mutual of Omaha MortgageSan Diego, CA | C | 341 | 2,193 | 14.0% | 6.38% |
| 31 | LoanUnited.comDuluth, GA | C | 322 | 476 | 6.7% | 5.99% |
| 32 | NFMLinthicum, MD | A | 317 | 1,412 | 1.5% | 6.49% |
| 33 | Fairway Independent MortgageMadison, WI | B | 316 | 3,893 | 4.0% | 6.63% |
| 34 | Cornerstone Capital BankHouston, TX | A | 288 | 1,081 | 1.5% | 6.25% |
| 35 | CMG MortgageSan Ramon, CA | A | 267 | 1,748 | 5.3% | 6.63% |
| 36 | Integrity Home MortgageWinchester, VA | B | 266 | 959 | 3.2% | 6.63% |
| 37 | Nationstar MortgageCoppell, TX | C | 254 | 2,824 | 13.0% | 7.25% |
| 38 | Prosperity Home MortgageFairfax, VA | A | 252 | 1,706 | 5.1% | 6.49% |
| 39 | LowerColumbia, MD | C | 242 | 1,624 | 7.9% | 6.50% |
| 40 | Plaza Home MortgageSan Diego, CA | C | 236 | 809 | 23.6% | 6.49% |
| 41 | Planet Home LendingMeriden, CT | B | 225 | 551 | 17.8% | 5.99% |
| 42 | Mid-Continent FundingColumbia, | B | 211 | 233 | 3.9% | 6.50% |
| 43 | Clearpath LendingIrvine, CA | B | 203 | 211 | 9.0% | 5.63% |
| 44 | GoPrime MortgageApex, NC | B | 201 | 809 | 2.2% | 6.50% |
| 45 | Pentagon Federal Credit UnionMclean, VA | F | 197 | 1,213 | 34.9% | 7.38% |
| 46 | T2 FinancialWesterville, OH | B | 189 | 1,006 | 6.5% | 6.63% |
| 47 | Lennar MortgageMiami, FL | A | 180 | 3,467 | 8.7% | 5.38% |
| 48 | Alcova MortgageRoanoke, VA | A | 169 | 2,144 | 1.8% | 6.63% |
| 49 | Vanderbilt Mortgage and FinanceMaryville, TN | F | 168 | 15,008 | 38.0% | 7.75% |
| 50 | Southern Trust MortgageVirginia Beach, VA | B | 162 | 591 | 1.0% | 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.
