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 | 4,626 | 5,544 | 19.8% | 6.25% |
| 2 | United Shore Financial ServicesPlymouth, MI | B | 1,927 | 13,178 | 13.4% | 6.47% |
| 3 | New Day FinancialWest Palm Beach, FL | F | 1,893 | 1,995 | 25.9% | 6.99% |
| 4 | Freedom MortgageBoca Raton, FL | B | 1,367 | 4,510 | 12.4% | 6.25% |
| 5 | Rocket MortgagePlymouth, MI | C | 1,227 | 22,411 | 18.6% | 6.75% |
| 6 | Pennymac Loan ServicesWestlake Village, CA | C | 849 | 7,900 | 12.6% | 6.50% |
| 7 | Navy Federal Credit UnionVienna, VA | D | 829 | 4,660 | 21.4% | 7.38% |
| 8 | Village Capital & InvestmentHenderson, NV | C | 490 | 899 | 25.8% | 5.75% |
| 9 | Crosscountry MortgageCleveland, OH | B | 483 | 11,615 | 3.3% | 6.63% |
| 10 | NewrezWilmington, DE | D | 463 | 6,444 | 20.7% | 6.75% |
| 11 | USAA Federal Savings BankPhoenix, AZ | C | 403 | 769 | 26.4% | 6.50% |
| 12 | The Federal Savings BankChicago, IL | C | 342 | 781 | 9.7% | 6.63% |
| 13 | Equity Prime MortgageAtlanta, GA | D | 250 | 1,055 | 10.8% | 6.50% |
| 14 | Broker SolutionsTustin, CA | D | 242 | 5,201 | 9.4% | 6.75% |
| 15 | Loandepot.ComIrvine, CA | D | 237 | 4,111 | 26.0% | 6.75% |
| 16 | Lakeview Loan ServicingCoral Gables, FL | C | 200 | 1,964 | 51.8% | 6.63% |
| 17 | AmeriSave MortgageSandy Springs, GA | D | 200 | 3,943 | 62.6% | 7.63% |
| 18 | Movement MortgageLancaster, SC | A | 200 | 5,099 | 2.7% | 6.63% |
| 19 | Guaranteed RateChicago, IL | B | 176 | 5,160 | 4.3% | 6.58% |
| 20 | Unnamed lender 254900M2C4Q6DATP2889 | F | 171 | 651 | 17.4% | 6.13% |
| 21 | CMG MortgageSan Ramon, CA | A | 168 | 3,550 | 4.1% | 6.63% |
| 22 | Guild MortgageSan Diego, CA | A | 164 | 4,032 | 2.3% | 6.63% |
| 23 | Carrington Mortgage ServicesOrange, CA | D | 144 | 1,598 | 44.7% | 6.63% |
| 24 | Prosperity Home MortgageFairfax, VA | A | 124 | 3,125 | 5.5% | 6.50% |
| 25 | Union Home MortgageStrongsville, OH | B | 122 | 2,400 | 3.7% | 6.50% |
| 26 | Nationstar MortgageCoppell, TX | C | 121 | 2,666 | 13.8% | 7.63% |
| 27 | Planet Home LendingMeriden, CT | B | 116 | 789 | 19.8% | 6.38% |
| 28 | NVR Mortgage FinanceReston, VA | B | 105 | 1,831 | 7.6% | 6.50% |
| 29 | Guaranteed Rate AffinityChicago, IL | A | 100 | 1,831 | 2.6% | 6.58% |
| 30 | Fairway Independent MortgageMadison, WI | B | 96 | 1,542 | 3.8% | 6.63% |
| 31 | Pentagon Federal Credit UnionMclean, VA | F | 88 | 799 | 35.5% | 7.38% |
| 32 | Mutual of Omaha MortgageSan Diego, CA | C | 87 | 1,234 | 21.0% | 6.49% |
| 33 | LoanUnited.comDuluth, GA | C | 85 | 273 | 8.1% | 6.00% |
| 34 | Barrington Bank & Trust CompanyBarrington, IL | C | 81 | 148 | 9.5% | 6.56% |
| 35 | Clearpath LendingIrvine, CA | B | 80 | 81 | 7.4% | 5.63% |
| 36 | HomePromiseFairfax, VA | F | 78 | 87 | 37.9% | 7.00% |
| 37 | Howard Hanna Financial ServicesPittsburgh, PA | A | 77 | 1,581 | 1.2% | 6.63% |
| 38 | Primelending, a PlainscapitalDallas, TX | A | 76 | 950 | 4.3% | 6.50% |
| 39 | Mortgage Solutions of ColoradoColorado Springs, CO | C | 73 | 127 | 5.5% | 7.50% |
| 40 | Keystone FundingDover, DE | A | 72 | 1,210 | 2.2% | 6.50% |
| 41 | Plaza Home MortgageSan Diego, CA | C | 71 | 1,217 | 19.9% | 6.63% |
| 42 | Equity ResourcesNewark, OH | C | 70 | 933 | 5.4% | 6.63% |
| 43 | GoodLeapRoseville, CA | C | 68 | 750 | 25.2% | 6.38% |
| 44 | Affordable Mortgage Advisors, LLC.Pittsburgh, PA | B | 65 | 1,293 | 1.0% | 6.63% |
| 45 | American Financial ResourcesParsippany-Troy Hills, NJ | B | 64 | 566 | 5.1% | 6.63% |
| 46 | Mortgage AmericaWhitehall, PA | A | 60 | 1,700 | 1.7% | 6.50% |
| 47 | Kind LendingIrvine, CA | C | 58 | 1,101 | 22.6% | 6.63% |
| 48 | Ixonia BankIxonia, WI | C | 52 | 1,395 | 2.9% | 6.75% |
| 49 | Sun West Mortgage CompanyCerritos, CA | B | 51 | 244 | 12.3% | 6.38% |
| 50 | PHH MortgageMount Laurel, NJ | C | 51 | 613 | 10.3% | 6.49% |
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.
