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 | 456 | 500 | 13.6% | 6.25% |
| 2 | United Shore Financial ServicesPlymouth, MI | B | 206 | 881 | 7.5% | 6.25% |
| 3 | Freedom MortgageBoca Raton, FL | B | 129 | 238 | 16.8% | 6.25% |
| 4 | Rocket MortgagePlymouth, MI | C | 90 | 827 | 21.6% | 6.63% |
| 5 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 88 | 231 | 2.6% | 6.20% |
| 6 | First International Bank & TrustWatford City, ND | B | 84 | 1,112 | 4.0% | 6.63% |
| 7 | TOWN AND COUNTRY Credit UnionMinot, ND | B | 81 | 571 | 2.1% | 6.25% |
| 8 | Gate City BankFargo, ND | C | 71 | 3,106 | 11.3% | 6.65% |
| 9 | Navy Federal Credit UnionVienna, VA | D | 65 | 138 | 18.8% | 6.13% |
| 10 | USAA Federal Savings BankPhoenix, AZ | C | 64 | 81 | 21.0% | 6.13% |
| 11 | Pennymac Loan ServicesWestlake Village, CA | C | 62 | 246 | 15.9% | 6.31% |
| 12 | NewrezWilmington, DE | D | 62 | 271 | 15.5% | 6.49% |
| 13 | Loandepot.ComIrvine, CA | D | 37 | 243 | 25.9% | 6.49% |
| 14 | The Federal Savings BankChicago, IL | C | 31 | 40 | 10.0% | 6.50% |
| 15 | Village Capital & InvestmentHenderson, NV | C | 30 | 44 | 18.2% | 5.75% |
| 16 | Guaranteed RateChicago, IL | B | 29 | 194 | 9.3% | 6.38% |
| 17 | Fairway Independent MortgageMadison, WI | B | 26 | 497 | 3.0% | 6.40% |
| 18 | Granite BankCold Spring, MN | B | 22 | 169 | 5.3% | 6.50% |
| 19 | Barrington Bank & Trust CompanyBarrington, IL | C | 21 | 85 | 7.1% | 6.25% |
| 20 | First Community Credit UnionJamestown, ND | B | 21 | 675 | 7.1% | 6.49% |
| 21 | Lakeview Loan ServicingCoral Gables, FL | C | 19 | 99 | 45.5% | 6.50% |
| 22 | Valley MortgageFargo, ND | A | 19 | 191 | 3.1% | 6.23% |
| 23 | Broker SolutionsTustin, CA | D | 17 | 203 | 14.8% | 6.88% |
| 24 | NextMortgageSan Ramon, CA | C | 15 | 91 | 1.1% | 6.99% |
| 25 | Cambria Financial GroupEden Prairie, MN | B | 15 | 92 | 0.0% | 6.50% |
| 26 | Presidential BankBethesda, MD | B | 15 | 96 | 1.0% | 6.99% |
| 27 | First Western Bank & TrustMinot, ND | B | 15 | 254 | 2.8% | 6.63% |
| 28 | Planet Home LendingMeriden, CT | B | 14 | 26 | 30.8% | 5.75% |
| 29 | Equity Prime MortgageAtlanta, GA | D | 14 | 34 | 5.9% | 6.50% |
| 30 | Bell BankFargo, ND | A | 14 | 806 | 7.7% | 6.99% |
| 31 | Union Home MortgageStrongsville, OH | B | 13 | 31 | 12.9% | 6.00% |
| 32 | AmeriSave MortgageSandy Springs, GA | D | 13 | 159 | 57.2% | 7.94% |
| 33 | CMG MortgageSan Ramon, CA | A | 12 | 65 | 1.5% | 6.13% |
| 34 | Crosscountry MortgageCleveland, OH | B | 12 | 155 | 4.5% | 6.49% |
| 35 | Allied First Bank,sbOswego, IL | F | 11 | 16 | 25.0% | — |
| 36 | Mutual of Omaha MortgageSan Diego, CA | C | 11 | 72 | 19.4% | 6.19% |
| 37 | Nationstar MortgageCoppell, TX | C | 10 | 111 | 18.9% | 7.56% |
| 38 | Dakota Community Bank & TrustHebron, ND | B | 9 | 351 | 4.6% | 6.25% |
| 39 | Texana BankLinden, TX | C | 8 | 17 | 0.0% | 6.75% |
| 40 | CapitalBismarck, ND | C | 8 | 646 | 3.7% | 7.00% |
| 41 | Magnolia BankHodgenville, KY | C | 7 | 9 | 11.1% | 5.99% |
| 42 | Carrington Mortgage ServicesOrange, CA | D | 7 | 28 | 35.7% | 6.13% |
| 43 | U.S. BankCincinnati, OH | D | 7 | 486 | 30.0% | 7.30% |
| 44 | NBKC BankKansas, MO | B | 6 | 22 | 9.1% | 5.99% |
| 45 | Homebridge Financial ServicesIselin, NJ | B | 6 | 22 | 27.3% | 8.80% |
| 46 | First Colony MortgageOrem, UT | A | 6 | 94 | 5.3% | 6.25% |
| 47 | Western State BankDevils Lake, ND | B | 6 | 170 | 3.5% | 6.38% |
| 48 | Manufacturers and Traders TrustBuffalo, NY | C | 5 | 9 | 11.1% | 3.75% |
| 49 | PHH MortgageMount Laurel, NJ | C | 5 | 16 | 18.8% | 5.63% |
| 50 | Keystone FundingDover, DE | A | 5 | 20 | 5.0% | 6.25% |
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.
