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 | 5,764 | 6,568 | 17.3% | 6.25% |
| 2 | United Shore Financial ServicesPlymouth, MI | B | 3,423 | 12,458 | 10.9% | 6.12% |
| 3 | Freedom MortgageBoca Raton, FL | B | 2,308 | 5,493 | 8.0% | 6.25% |
| 4 | Rocket MortgagePlymouth, MI | C | 1,691 | 16,503 | 17.3% | 6.50% |
| 5 | New Day FinancialWest Palm Beach, FL | F | 1,531 | 1,586 | 21.5% | 6.99% |
| 6 | Pennymac Loan ServicesWestlake Village, CA | C | 1,232 | 5,331 | 11.2% | 6.00% |
| 7 | Navy Federal Credit UnionVienna, VA | D | 1,054 | 4,080 | 21.4% | 7.25% |
| 8 | NewrezWilmington, DE | D | 949 | 3,780 | 16.8% | 6.25% |
| 9 | Village Capital & InvestmentHenderson, NV | C | 775 | 1,140 | 20.2% | 5.75% |
| 10 | Guaranteed RateChicago, IL | B | 698 | 3,368 | 4.5% | 6.38% |
| 11 | CMG MortgageSan Ramon, CA | A | 570 | 5,643 | 2.9% | 6.50% |
| 12 | USAA Federal Savings BankPhoenix, AZ | C | 537 | 859 | 21.9% | 6.25% |
| 13 | Crosscountry MortgageCleveland, OH | B | 488 | 3,778 | 4.8% | 6.63% |
| 14 | Loandepot.ComIrvine, CA | D | 440 | 3,056 | 21.4% | 5.99% |
| 15 | Dhi Mortgage CompanyArlington, TX | B | 425 | 3,078 | 9.2% | 5.75% |
| 16 | Broker SolutionsTustin, CA | D | 406 | 3,712 | 8.0% | 6.63% |
| 17 | Lakeview Loan ServicingCoral Gables, FL | C | 387 | 1,706 | 44.8% | 6.25% |
| 18 | The Federal Savings BankChicago, IL | C | 384 | 532 | 10.9% | 6.38% |
| 19 | Movement MortgageLancaster, SC | A | 318 | 3,282 | 3.8% | 6.63% |
| 20 | Mortgage Investors GroupNashville, TN | B | 308 | 4,454 | 3.5% | 6.50% |
| 21 | Carrington Mortgage ServicesOrange, CA | D | 289 | 1,676 | 43.6% | 6.25% |
| 22 | First Community MortgageMurfreesboro, TN | A | 275 | 3,154 | 6.0% | 6.38% |
| 23 | Equity Prime MortgageAtlanta, GA | D | 266 | 1,025 | 9.1% | 6.50% |
| 24 | AmeriSave MortgageSandy Springs, GA | D | 249 | 2,980 | 60.9% | 7.13% |
| 25 | Union Home MortgageStrongsville, OH | B | 228 | 1,849 | 4.8% | 6.38% |
| 26 | LoanUnited.comDuluth, GA | C | 212 | 424 | 9.2% | 5.99% |
| 27 | Fairway Independent MortgageMadison, WI | B | 190 | 2,359 | 4.0% | 6.50% |
| 28 | Mortgage Solutions of ColoradoColorado Springs, CO | C | 188 | 240 | 5.0% | 7.75% |
| 29 | Mutual of Omaha MortgageSan Diego, CA | C | 174 | 1,378 | 16.2% | 6.38% |
| 30 | Unnamed lender 254900M2C4Q6DATP2889 | F | 169 | 518 | 17.0% | 6.13% |
| 31 | Planet Home LendingMeriden, CT | B | 157 | 374 | 17.9% | 5.99% |
| 32 | Stockton MortgageFrankfort, KY | D | 156 | 1,089 | 7.0% | 6.63% |
| 33 | Lennar MortgageMiami, FL | A | 154 | 870 | 10.1% | 4.88% |
| 34 | FirstBankNashville, TN | C | 144 | 5,677 | 14.5% | 6.88% |
| 35 | Nationstar MortgageCoppell, TX | C | 140 | 2,124 | 13.1% | 7.38% |
| 36 | American Financial ResourcesParsippany-Troy Hills, NJ | B | 132 | 787 | 6.7% | 6.49% |
| 37 | Primis MortgageRaleigh, NC | B | 129 | 1,402 | 2.4% | 6.49% |
| 38 | Sun West Mortgage CompanyCerritos, CA | B | 125 | 457 | 14.9% | 6.00% |
| 39 | NVR Mortgage FinanceReston, VA | B | 119 | 1,042 | 15.6% | 5.99% |
| 40 | American Pacific MortgageRoseville, CA | C | 117 | 1,144 | 6.1% | 6.63% |
| 41 | Legacy Home LoansNashville, TN | A | 110 | 1,420 | 1.1% | 6.49% |
| 42 | Pentagon Federal Credit UnionMclean, VA | F | 101 | 469 | 32.6% | 7.25% |
| 43 | Clearpath LendingIrvine, CA | B | 99 | 101 | 9.9% | 5.75% |
| 44 | Southwest FundingDallas, TX | C | 99 | 277 | 4.3% | 6.50% |
| 45 | Kind LendingIrvine, CA | C | 99 | 987 | 26.7% | 6.50% |
| 46 | Van Dyk MortgageGrand Rapids, MI | B | 98 | 308 | 4.6% | 6.63% |
| 47 | Cardinal Financial Company, Limited PartnershipCharlotte, NC | B | 93 | 970 | 8.3% | 6.75% |
| 48 | Gershman InvestmentChesterfield, MO | B | 92 | 249 | 6.4% | 6.00% |
| 49 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 92 | 726 | 2.5% | 6.50% |
| 50 | LowerColumbia, MD | C | 91 | 623 | 12.8% | 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.
