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 | 324 | 368 | 22.3% | 6.25% |
| 2 | Freedom MortgageBoca Raton, FL | B | 140 | 584 | 7.7% | 6.25% |
| 3 | Movement MortgageLancaster, SC | A | 117 | 1,308 | 3.6% | 6.63% |
| 4 | United Shore Financial ServicesPlymouth, MI | B | 101 | 780 | 18.0% | 6.38% |
| 5 | Navy Federal Credit UnionVienna, VA | D | 90 | 526 | 16.7% | 7.34% |
| 6 | Rocket MortgagePlymouth, MI | C | 87 | 1,430 | 19.7% | 6.75% |
| 7 | NewrezWilmington, DE | D | 79 | 638 | 19.4% | 6.63% |
| 8 | Pennymac Loan ServicesWestlake Village, CA | C | 62 | 557 | 12.4% | 6.50% |
| 9 | The Federal Savings BankChicago, IL | C | 53 | 69 | 8.7% | 6.25% |
| 10 | USAA Federal Savings BankPhoenix, AZ | C | 42 | 66 | 24.2% | 6.19% |
| 11 | American Neighborhood Mortgage Acceptance CompanyMount Laurel, NJ | B | 36 | 488 | 3.9% | 6.63% |
| 12 | Loandepot.ComIrvine, CA | D | 36 | 684 | 24.4% | 6.88% |
| 13 | Broker SolutionsTustin, CA | D | 35 | 522 | 6.1% | 6.63% |
| 14 | Guild MortgageSan Diego, CA | A | 35 | 731 | 3.2% | 6.63% |
| 15 | Village Capital & InvestmentHenderson, NV | C | 33 | 59 | 18.6% | 5.87% |
| 16 | CMG MortgageSan Ramon, CA | A | 29 | 992 | 7.6% | 6.63% |
| 17 | Crosscountry MortgageCleveland, OH | B | 26 | 323 | 7.4% | 6.75% |
| 18 | Texana BankLinden, TX | C | 24 | 65 | 7.7% | 5.63% |
| 19 | Primelending, a PlainscapitalDallas, TX | A | 23 | 93 | 11.8% | 6.63% |
| 20 | Lakeview Loan ServicingCoral Gables, FL | C | 21 | 248 | 44.4% | 6.50% |
| 21 | NFMLinthicum, MD | A | 21 | 556 | 1.6% | 6.75% |
| 22 | Embrace Home LoansMiddletown, RI | A | 17 | 153 | 9.8% | 6.63% |
| 23 | Primary Residential MortgageSalt Lake City, UT | C | 17 | 1,056 | 8.4% | 6.63% |
| 24 | Nationstar MortgageCoppell, TX | C | 16 | 283 | 14.5% | 7.49% |
| 25 | Guaranteed RateChicago, IL | B | 16 | 426 | 5.6% | 6.58% |
| 26 | Northpointe BankGrand Rapids, MI | C | 15 | 298 | 6.0% | 6.63% |
| 27 | Allied First Bank,sbOswego, IL | F | 14 | 20 | 25.0% | — |
| 28 | Baycoast Mortgage CompanySwansea, MA | A | 14 | 548 | 2.9% | 6.50% |
| 29 | Waterstone MortgageBrookfield, WI | C | 13 | 109 | 7.3% | 6.50% |
| 30 | Mutual of Omaha MortgageSan Diego, CA | C | 13 | 184 | 27.7% | 6.49% |
| 31 | Carrington Mortgage ServicesOrange, CA | D | 13 | 231 | 47.2% | 7.19% |
| 32 | Semper Home LoansWilmington, DE | C | 12 | 261 | 3.5% | 6.50% |
| 33 | AmeriSave MortgageSandy Springs, GA | D | 12 | 339 | 61.4% | 8.50% |
| 34 | Province Mortgage AssociatesEast Providence, RI | C | 12 | 355 | 6.2% | 6.75% |
| 35 | Home Loan Investment BankWarwick, RI | F | 11 | 289 | 8.0% | 6.63% |
| 36 | The Washington Trust Company, of WesterlyWesterly, RI | C | 11 | 1,755 | 21.9% | 6.38% |
| 37 | First Federal BankLake City, FL | B | 10 | 16 | 0.0% | 5.99% |
| 38 | Equity Prime MortgageAtlanta, GA | D | 9 | 26 | 15.4% | 7.25% |
| 39 | NBKC BankKansas, MO | B | 9 | 50 | 8.0% | 6.06% |
| 40 | U.S. BankCincinnati, OH | D | 9 | 261 | 20.3% | 6.63% |
| 41 | Citizens BankProvidence, RI | C | 9 | 6,329 | 27.8% | 7.40% |
| 42 | Armed Forces BankFort Leavenworth, MO | C | 8 | 10 | 10.0% | 6.19% |
| 43 | Magnolia BankHodgenville, KY | C | 8 | 10 | 0.0% | 5.99% |
| 44 | Guaranteed Rate AffinityChicago, IL | A | 8 | 182 | 8.2% | 6.50% |
| 45 | Fall River Five Cents Savings BankFall River, MA | B | 8 | 345 | 9.6% | 6.63% |
| 46 | Northpoint MortgageSturbridge, MA | A | 7 | 48 | 2.1% | 6.75% |
| 47 | Fairway Independent MortgageMadison, WI | B | 7 | 152 | 6.6% | 6.75% |
| 48 | Total Mortgage ServicesMilford, CT | B | 7 | 204 | 2.5% | 6.75% |
| 49 | United Trust BankPalos Heights, IL | C | 6 | 6 | 0.0% | 6.38% |
| 50 | Planet Home LendingMeriden, CT | B | 6 | 17 | 41.2% | 5.75% |
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.
