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 | 4,667 | 5,189 | 19.1% | 6.25% |
| 2 | United Shore Financial ServicesPlymouth, MI | B | 2,728 | 9,236 | 12.8% | 6.13% |
| 3 | Freedom MortgageBoca Raton, FL | B | 2,689 | 5,296 | 7.3% | 6.25% |
| 4 | New Day FinancialWest Palm Beach, FL | F | 1,854 | 1,917 | 22.9% | 6.99% |
| 5 | Rocket MortgagePlymouth, MI | C | 1,520 | 13,403 | 16.8% | 6.63% |
| 6 | Dhi Mortgage CompanyArlington, TX | B | 1,230 | 6,184 | 17.4% | 4.99% |
| 7 | Navy Federal Credit UnionVienna, VA | D | 1,225 | 5,424 | 21.2% | 7.50% |
| 8 | Pennymac Loan ServicesWestlake Village, CA | C | 974 | 4,524 | 11.3% | 6.25% |
| 9 | NewrezWilmington, DE | D | 905 | 3,749 | 18.9% | 6.50% |
| 10 | Village Capital & InvestmentHenderson, NV | C | 786 | 1,095 | 20.5% | 5.75% |
| 11 | Movement MortgageLancaster, SC | A | 564 | 4,069 | 3.1% | 6.56% |
| 12 | Lennar MortgageMiami, FL | A | 563 | 3,802 | 10.6% | 6.13% |
| 13 | USAA Federal Savings BankPhoenix, AZ | C | 508 | 813 | 26.6% | 6.31% |
| 14 | Crosscountry MortgageCleveland, OH | B | 494 | 3,653 | 4.0% | 6.63% |
| 15 | Loandepot.ComIrvine, CA | D | 458 | 4,060 | 22.1% | 5.99% |
| 16 | Guild MortgageSan Diego, CA | A | 423 | 3,859 | 4.8% | 6.63% |
| 17 | Vanderbilt Mortgage and FinanceMaryville, TN | F | 372 | 12,272 | 40.7% | 6.50% |
| 18 | The Federal Savings BankChicago, IL | C | 351 | 485 | 7.8% | 6.25% |
| 19 | LowerColumbia, MD | C | 346 | 2,142 | 7.4% | 6.63% |
| 20 | First Heritage MortgageFairfax, VA | A | 333 | 1,619 | 3.0% | 6.25% |
| 21 | Lakeview Loan ServicingCoral Gables, FL | C | 305 | 1,545 | 44.6% | 6.50% |
| 22 | Guaranteed RateChicago, IL | B | 292 | 1,988 | 6.2% | 6.58% |
| 23 | Ameris BankAtlanta, GA | B | 286 | 2,512 | 7.8% | 6.49% |
| 24 | Pulte MortgageWilmington, DE | A | 265 | 1,526 | 8.1% | 5.99% |
| 25 | Broker SolutionsTustin, CA | D | 265 | 2,738 | 7.4% | 6.75% |
| 26 | Equity Prime MortgageAtlanta, GA | D | 253 | 799 | 12.0% | 6.63% |
| 27 | NVR Mortgage FinanceReston, VA | B | 244 | 2,220 | 21.0% | 6.13% |
| 28 | Mortgage Solutions of ColoradoColorado Springs, CO | C | 232 | 288 | 5.6% | 7.75% |
| 29 | Fbc MortgageOrlando, FL | B | 227 | 988 | 7.2% | 5.49% |
| 30 | Carrington Mortgage ServicesOrange, CA | D | 223 | 1,168 | 45.7% | 6.63% |
| 31 | CMG MortgageSan Ramon, CA | A | 220 | 1,895 | 6.1% | 6.63% |
| 32 | Resource Financial ServicesColumbia, SC | B | 218 | 905 | 2.0% | 6.38% |
| 33 | LoanUnited.comDuluth, GA | C | 187 | 263 | 6.5% | 6.13% |
| 34 | AmeriSave MortgageSandy Springs, GA | D | 172 | 2,254 | 57.4% | 7.88% |
| 35 | Jet HomeloansJacksonville, FL | A | 169 | 972 | 6.1% | 4.99% |
| 36 | Fairway Independent MortgageMadison, WI | B | 168 | 1,768 | 5.2% | 6.75% |
| 37 | Gateway First BankJenks, OK | B | 167 | 880 | 3.9% | 6.63% |
| 38 | Primelending, a PlainscapitalDallas, TX | A | 167 | 2,046 | 4.0% | 6.38% |
| 39 | Carolina One MortgageNorth Charleston, SC | B | 160 | 819 | 2.2% | 6.50% |
| 40 | Nation One MortgageMarlton, NJ | C | 159 | 448 | 1.6% | 6.50% |
| 41 | Union Home MortgageStrongsville, OH | B | 158 | 686 | 6.6% | 6.50% |
| 42 | Planet Home LendingMeriden, CT | B | 145 | 393 | 18.6% | 5.99% |
| 43 | Sun West Mortgage CompanyCerritos, CA | B | 136 | 277 | 13.7% | 5.99% |
| 44 | Atlantic Bay Mortgage GroupVirginia Beach, VA | A | 134 | 1,301 | 3.2% | 6.62% |
| 45 | Nationstar MortgageCoppell, TX | C | 130 | 1,807 | 12.3% | 7.50% |
| 46 | Mutual of Omaha MortgageSan Diego, CA | C | 121 | 1,130 | 16.6% | 6.63% |
| 47 | Unnamed lender 254900M2C4Q6DATP2889 | F | 117 | 400 | 17.5% | 6.25% |
| 48 | Pentagon Federal Credit UnionMclean, VA | F | 112 | 524 | 33.8% | 7.50% |
| 49 | Clearpath LendingIrvine, CA | B | 108 | 109 | 16.5% | 5.75% |
| 50 | American Financial NetworkBrea, CA | C | 108 | 809 | 11.4% | 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.
