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 | 5,978 | 6,947 | 18.3% | 6.25% |
| 2 | United Shore Financial ServicesPlymouth, MI | B | 2,657 | 14,626 | 13.1% | 6.45% |
| 3 | Freedom MortgageBoca Raton, FL | B | 2,157 | 5,665 | 8.8% | 6.25% |
| 4 | New Day FinancialWest Palm Beach, FL | F | 2,107 | 2,166 | 24.0% | 6.99% |
| 5 | Rocket MortgagePlymouth, MI | C | 1,742 | 23,165 | 18.5% | 6.63% |
| 6 | Navy Federal Credit UnionVienna, VA | D | 1,017 | 3,865 | 19.6% | 7.00% |
| 7 | Crosscountry MortgageCleveland, OH | B | 1,001 | 16,066 | 3.1% | 6.75% |
| 8 | Pennymac Loan ServicesWestlake Village, CA | C | 981 | 5,767 | 11.8% | 6.49% |
| 9 | NewrezWilmington, DE | D | 765 | 5,795 | 19.0% | 6.75% |
| 10 | Village Capital & InvestmentHenderson, NV | C | 663 | 1,152 | 21.9% | 5.75% |
| 11 | USAA Federal Savings BankPhoenix, AZ | C | 514 | 836 | 25.1% | 6.25% |
| 12 | The Federal Savings BankChicago, IL | C | 456 | 876 | 9.1% | 6.63% |
| 13 | Union Home MortgageStrongsville, OH | B | 446 | 7,114 | 4.6% | 6.75% |
| 14 | Loandepot.ComIrvine, CA | D | 404 | 5,699 | 20.7% | 6.75% |
| 15 | The Huntington National BankColumbus, OH | D | 402 | 42,683 | 25.8% | 7.59% |
| 16 | Guaranteed RateChicago, IL | B | 362 | 4,955 | 3.9% | 6.58% |
| 17 | Equity Prime MortgageAtlanta, GA | D | 292 | 1,062 | 10.3% | 6.63% |
| 18 | NVR Mortgage FinanceReston, VA | B | 285 | 2,433 | 15.8% | 6.25% |
| 19 | Carrington Mortgage ServicesOrange, CA | D | 284 | 2,059 | 42.2% | 6.63% |
| 20 | Broker SolutionsTustin, CA | D | 272 | 4,499 | 9.2% | 6.99% |
| 21 | AmeriSave MortgageSandy Springs, GA | D | 255 | 3,871 | 62.7% | 7.50% |
| 22 | NFMLinthicum, MD | A | 228 | 4,370 | 1.1% | 6.75% |
| 23 | Dhi Mortgage CompanyArlington, TX | B | 192 | 1,465 | 15.2% | 4.75% |
| 24 | Unnamed lender 254900M2C4Q6DATP2889 | F | 189 | 699 | 21.2% | 6.25% |
| 25 | Fairway Independent MortgageMadison, WI | B | 188 | 3,509 | 3.4% | 6.75% |
| 26 | Lakeview Loan ServicingCoral Gables, FL | C | 176 | 1,486 | 46.9% | 6.63% |
| 27 | Nationstar MortgageCoppell, TX | C | 164 | 2,660 | 14.4% | 7.43% |
| 28 | Mutual of Omaha MortgageSan Diego, CA | C | 163 | 2,023 | 14.6% | 6.63% |
| 29 | Victory MortgageErlanger, KY | A | 159 | 1,355 | 3.8% | 5.88% |
| 30 | LowerColumbia, MD | C | 159 | 2,641 | 8.1% | 6.63% |
| 31 | Planet Home LendingMeriden, CT | B | 157 | 545 | 19.1% | 6.13% |
| 32 | Mortgage Solutions of ColoradoColorado Springs, CO | C | 149 | 211 | 5.7% | 7.75% |
| 33 | Primelending, a PlainscapitalDallas, TX | A | 149 | 1,466 | 4.5% | 6.75% |
| 34 | Union Savings BankCincinnati, OH | A | 139 | 6,982 | 5.1% | 6.75% |
| 35 | Fifth Third BankCincinnati, OH | D | 136 | 21,939 | 25.6% | 7.50% |
| 36 | JPMorgan Chase BankColumbus, OH | B | 132 | 6,671 | 10.3% | 6.50% |
| 37 | First Community MortgageMurfreesboro, TN | A | 127 | 1,518 | 3.8% | 6.63% |
| 38 | Clearpath LendingIrvine, CA | B | 126 | 131 | 12.2% | 5.75% |
| 39 | M/i FinancialColumbus, OH | A | 126 | 1,365 | 1.2% | 5.88% |
| 40 | Ruoff Mortgage CompanyFort Wayne, IN | A | 121 | 2,464 | 4.8% | 6.75% |
| 41 | Equity ResourcesNewark, OH | C | 110 | 1,522 | 8.2% | 6.63% |
| 42 | DAS Acquisition CompanySt. Louis, MO | B | 107 | 1,131 | 2.3% | 6.75% |
| 43 | GoodLeapRoseville, CA | C | 107 | 1,281 | 22.2% | 6.50% |
| 44 | Howard Hanna Financial ServicesPittsburgh, PA | A | 105 | 2,100 | 0.9% | 6.63% |
| 45 | LoanUnited.comDuluth, GA | C | 102 | 305 | 10.2% | 6.13% |
| 46 | Wright-Patt Credit UnionBeavercreek, OH | C | 100 | 8,791 | 28.1% | 7.50% |
| 47 | HomePromiseFairfax, VA | F | 94 | 97 | 50.5% | 7.25% |
| 48 | Sun West Mortgage CompanyCerritos, CA | B | 93 | 404 | 10.9% | 6.36% |
| 49 | Nations LendingIndependence, OH | B | 90 | 792 | 4.8% | 6.75% |
| 50 | Barrington Bank & Trust CompanyBarrington, IL | C | 89 | 159 | 12.6% | 6.63% |
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.