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 | 534 | 593 | 16.7% | 6.25% |
| 2 | Plains Commerce BankSioux Falls, SD | B | 219 | 2,280 | 5.5% | 6.25% |
| 3 | Freedom MortgageBoca Raton, FL | B | 198 | 343 | 7.6% | 6.00% |
| 4 | CMG MortgageSan Ramon, CA | A | 183 | 919 | 2.3% | 6.38% |
| 5 | United Shore Financial ServicesPlymouth, MI | B | 152 | 563 | 9.4% | 6.13% |
| 6 | New Day FinancialWest Palm Beach, FL | F | 129 | 135 | 23.7% | 6.88% |
| 7 | NewrezWilmington, DE | D | 125 | 347 | 19.3% | 6.25% |
| 8 | Rocket MortgagePlymouth, MI | C | 124 | 1,027 | 16.9% | 6.75% |
| 9 | Navy Federal Credit UnionVienna, VA | D | 71 | 191 | 17.8% | 6.38% |
| 10 | Pennymac Loan ServicesWestlake Village, CA | C | 63 | 345 | 9.6% | 6.63% |
| 11 | USAA Federal Savings BankPhoenix, AZ | C | 61 | 81 | 27.2% | 6.50% |
| 12 | Lakeview Loan ServicingCoral Gables, FL | C | 54 | 155 | 44.5% | 6.25% |
| 13 | Granite BankCold Spring, MN | B | 51 | 309 | 8.4% | 6.25% |
| 14 | Fairway Independent MortgageMadison, WI | B | 51 | 490 | 2.2% | 6.25% |
| 15 | First International Bank & TrustWatford City, ND | B | 47 | 610 | 4.1% | 6.50% |
| 16 | Kind LendingIrvine, CA | C | 43 | 126 | 17.5% | 6.38% |
| 17 | Guaranteed RateChicago, IL | B | 43 | 280 | 8.9% | 6.38% |
| 18 | First PREMIER BankSioux Falls, SD | C | 43 | 1,389 | 11.7% | 6.88% |
| 19 | First Bank & TrustBrookings, SD | C | 41 | 1,320 | 11.2% | 6.63% |
| 20 | The Federal Savings BankChicago, IL | C | 39 | 50 | 8.0% | 6.25% |
| 21 | American Neighborhood Mortgage Acceptance CompanyMount Laurel, NJ | B | 36 | 177 | 0.0% | 6.38% |
| 22 | Village Capital & InvestmentHenderson, NV | C | 34 | 45 | 15.6% | 5.75% |
| 23 | Black Hills Federal Credit UnionRapid City, SD | D | 33 | 1,223 | 23.0% | 7.75% |
| 24 | Crosscountry MortgageCleveland, OH | B | 29 | 239 | 4.2% | 6.75% |
| 25 | Gateway First BankJenks, OK | B | 26 | 199 | 4.5% | 6.25% |
| 26 | American Bank & TrustSioux Falls, SD | C | 26 | 613 | 11.9% | 6.63% |
| 27 | Dacotah BankAberdeen, SD | B | 24 | 512 | 5.9% | 6.63% |
| 28 | Central BankStorm Lake, IA | A | 23 | 394 | 5.1% | 6.50% |
| 29 | CU Mortgage DirectSioux Falls, SD | B | 22 | 236 | 7.6% | 6.13% |
| 30 | AmeriSave MortgageSandy Springs, GA | D | 22 | 239 | 60.7% | 8.31% |
| 31 | Loandepot.ComIrvine, CA | D | 20 | 164 | 34.2% | 6.75% |
| 32 | Equity Prime MortgageAtlanta, GA | D | 17 | 47 | 12.8% | 6.38% |
| 33 | American Pacific MortgageRoseville, CA | C | 17 | 102 | 5.9% | 6.50% |
| 34 | First National BankPierre, SD | B | 17 | 247 | 8.9% | — |
| 35 | First Dakota National BankYankton, SD | A | 17 | 690 | 4.6% | 6.50% |
| 36 | U.S. BankCincinnati, OH | D | 15 | 637 | 24.0% | 6.99% |
| 37 | Towne MortgageTroy, MI | B | 14 | 27 | 0.0% | 5.88% |
| 38 | Pioneer Bank & TrustBelle Fourche, SD | C | 14 | 180 | 8.3% | — |
| 39 | Levo Federal Credit UnionSioux Falls, | B | 14 | 644 | 6.8% | 7.50% |
| 40 | Allied First Bank,sbOswego, IL | F | 13 | 16 | 56.3% | — |
| 41 | Planet Home LendingMeriden, CT | B | 13 | 32 | 15.6% | 6.25% |
| 42 | ServionNew Brighton, MN | B | 12 | 46 | 2.2% | 6.25% |
| 43 | Mutual of Omaha MortgageSan Diego, CA | C | 12 | 90 | 24.4% | 6.49% |
| 44 | Nationstar MortgageCoppell, TX | C | 12 | 131 | 13.7% | 8.25% |
| 45 | Mortgage Solutions of ColoradoColorado Springs, CO | C | 11 | 18 | 5.6% | 7.63% |
| 46 | LowerColumbia, MD | C | 11 | 23 | 13.0% | 6.50% |
| 47 | Broker SolutionsTustin, CA | D | 11 | 193 | 16.6% | 6.63% |
| 48 | Barrington Bank & Trust CompanyBarrington, IL | C | 10 | 18 | 16.7% | 5.99% |
| 49 | Carrington Mortgage ServicesOrange, CA | D | 10 | 43 | 53.5% | 6.69% |
| 50 | Black Hills Community BankRapid City, SD | C | 10 | 167 | 9.6% | — |
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.
