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 | 1,784 | 1,978 | 17.9% | 6.13% |
| 2 | United Shore Financial ServicesPlymouth, MI | B | 1,311 | 6,600 | 10.4% | 6.25% |
| 3 | Freedom MortgageBoca Raton, FL | B | 745 | 1,717 | 9.3% | 6.13% |
| 4 | Rocket MortgagePlymouth, MI | C | 527 | 6,649 | 16.3% | 6.75% |
| 5 | New Day FinancialWest Palm Beach, FL | F | 450 | 466 | 21.7% | 6.75% |
| 6 | NewrezWilmington, DE | D | 450 | 2,945 | 12.9% | 6.63% |
| 7 | Guild MortgageSan Diego, CA | A | 351 | 6,034 | 2.6% | 6.55% |
| 8 | Navy Federal Credit UnionVienna, VA | D | 291 | 1,171 | 20.8% | 7.00% |
| 9 | Pennymac Loan ServicesWestlake Village, CA | C | 267 | 2,642 | 10.2% | 6.62% |
| 10 | CMG MortgageSan Ramon, CA | A | 252 | 2,702 | 2.9% | 6.50% |
| 11 | Village Capital & InvestmentHenderson, NV | C | 231 | 356 | 21.1% | 5.75% |
| 12 | The Federal Savings BankChicago, IL | C | 223 | 306 | 8.8% | 6.25% |
| 13 | Nations Direct MortgageHenderson, NV | B | 220 | 1,728 | 1.2% | 6.49% |
| 14 | Crosscountry MortgageCleveland, OH | B | 205 | 2,360 | 4.4% | 6.63% |
| 15 | Loandepot.ComIrvine, CA | D | 176 | 1,991 | 15.5% | 6.75% |
| 16 | USAA Federal Savings BankPhoenix, AZ | C | 172 | 331 | 27.8% | 6.38% |
| 17 | AmeriSave MortgageSandy Springs, GA | D | 119 | 1,176 | 62.3% | 8.63% |
| 18 | Lakeview Loan ServicingCoral Gables, FL | C | 110 | 854 | 47.9% | 6.50% |
| 19 | Kind LendingIrvine, CA | C | 108 | 1,233 | 20.8% | 6.63% |
| 20 | Summit FundingSacramento, CA | C | 107 | 1,044 | 3.6% | 6.63% |
| 21 | Mortgage ExpressPortland, OR | A | 103 | 1,480 | 3.5% | 6.50% |
| 22 | Guaranteed RateChicago, IL | B | 103 | 1,750 | 3.1% | 6.58% |
| 23 | LoanUnited.comDuluth, GA | C | 94 | 155 | 11.6% | 5.88% |
| 24 | Sun West Mortgage CompanyCerritos, CA | B | 94 | 205 | 15.6% | 5.88% |
| 25 | Equity Prime MortgageAtlanta, GA | D | 93 | 238 | 9.7% | 6.44% |
| 26 | Broker SolutionsTustin, CA | D | 93 | 1,344 | 7.1% | 6.88% |
| 27 | Mutual of Omaha MortgageSan Diego, CA | C | 88 | 709 | 17.6% | 6.25% |
| 28 | Movement MortgageLancaster, SC | A | 87 | 1,364 | 4.7% | 6.75% |
| 29 | Fairway Independent MortgageMadison, WI | B | 85 | 1,613 | 5.5% | 6.63% |
| 30 | Synergy One LendingSan Diego, CA | C | 79 | 747 | 5.2% | 6.50% |
| 31 | American Pacific MortgageRoseville, CA | C | 73 | 1,111 | 5.0% | 6.63% |
| 32 | Lennar MortgageMiami, FL | A | 69 | 892 | 5.7% | 4.99% |
| 33 | Carrington Mortgage ServicesOrange, CA | D | 60 | 404 | 47.5% | 6.63% |
| 34 | Nationstar MortgageCoppell, TX | C | 58 | 1,023 | 15.4% | 8.38% |
| 35 | Umpqua BankLake Oswego, OR | C | 57 | 3,155 | 23.0% | 7.50% |
| 36 | Dhi Mortgage CompanyArlington, TX | B | 53 | 733 | 7.2% | 5.50% |
| 37 | Envoy MortgageHouston, TX | D | 51 | 235 | 5.5% | 6.50% |
| 38 | Nations LendingIndependence, OH | B | 51 | 364 | 1.9% | 6.50% |
| 39 | Rogue Credit UnionMedford, OR | C | 48 | 2,511 | 10.2% | 7.49% |
| 40 | American FinancingAurora, CO | D | 46 | 505 | 40.6% | 6.38% |
| 41 | Paramount Residential Mortgage GroupCorona, CA | B | 45 | 833 | 1.3% | 6.38% |
| 42 | Union Home MortgageStrongsville, OH | B | 45 | 984 | 4.2% | 6.50% |
| 43 | Prosperity Home MortgageFairfax, VA | A | 43 | 204 | 11.3% | 6.25% |
| 44 | Directors MortgageLake Oswego, OR | B | 42 | 906 | 4.4% | 6.63% |
| 45 | American Financial ResourcesParsippany-Troy Hills, NJ | B | 41 | 245 | 3.7% | 6.38% |
| 46 | PHH MortgageMount Laurel, NJ | C | 41 | 290 | 7.6% | 5.99% |
| 47 | Onpoint Community Credit UnionPortland, OR | B | 41 | 10,710 | 15.7% | 7.50% |
| 48 | Allied First Bank,sbOswego, IL | F | 36 | 57 | 21.1% | 3.25% |
| 49 | Mortgage Solutions of ColoradoColorado Springs, CO | C | 35 | 87 | 5.8% | 7.25% |
| 50 | Alameda MortgageWalnut Creek, CA | B | 35 | 390 | 3.3% | 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.
