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 | 12,936 | 14,249 | 17.5% | 6.25% |
| 2 | United Shore Financial ServicesPlymouth, MI | B | 8,082 | 56,491 | 11.0% | 6.25% |
| 3 | Freedom MortgageBoca Raton, FL | B | 5,195 | 12,545 | 7.5% | 6.25% |
| 4 | Dhi Mortgage CompanyArlington, TX | B | 4,428 | 26,348 | 13.5% | 4.50% |
| 5 | Navy Federal Credit UnionVienna, VA | D | 3,678 | 11,693 | 25.6% | 6.38% |
| 6 | Pennymac Loan ServicesWestlake Village, CA | C | 2,766 | 14,770 | 13.1% | 6.38% |
| 7 | Rocket MortgagePlymouth, MI | C | 2,345 | 45,658 | 22.4% | 6.63% |
| 8 | Lennar MortgageMiami, FL | A | 2,203 | 21,959 | 20.5% | 4.50% |
| 9 | NewrezWilmington, DE | D | 2,061 | 15,001 | 21.7% | 6.50% |
| 10 | CMG MortgageSan Ramon, CA | A | 1,735 | 15,978 | 3.9% | 6.50% |
| 11 | USAA Federal Savings BankPhoenix, AZ | C | 1,588 | 2,774 | 27.6% | 6.38% |
| 12 | Mortgage Solutions of ColoradoColorado Springs, CO | C | 1,515 | 1,991 | 3.9% | 7.38% |
| 13 | Village Capital & InvestmentHenderson, NV | C | 1,511 | 2,390 | 9.1% | 5.75% |
| 14 | Fairway Independent MortgageMadison, WI | B | 1,488 | 10,312 | 3.9% | 6.63% |
| 15 | Crosscountry MortgageCleveland, OH | B | 1,439 | 11,858 | 3.3% | 6.63% |
| 16 | Loandepot.ComIrvine, CA | D | 1,347 | 14,655 | 23.5% | 5.99% |
| 17 | Lakeview Loan ServicingCoral Gables, FL | C | 1,183 | 8,308 | 57.4% | 6.25% |
| 18 | Primelending, a PlainscapitalDallas, TX | A | 949 | 8,656 | 6.0% | 6.25% |
| 19 | Guild MortgageSan Diego, CA | A | 930 | 9,935 | 4.0% | 6.50% |
| 20 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 854 | 5,374 | 2.5% | 6.25% |
| 21 | Guaranteed RateChicago, IL | B | 838 | 7,396 | 5.9% | 6.50% |
| 22 | Broker SolutionsTustin, CA | D | 814 | 11,832 | 9.0% | 6.75% |
| 23 | Pulte MortgageWilmington, DE | A | 808 | 4,549 | 14.6% | 4.99% |
| 24 | Directions EquitySan Antonio, TX | A | 765 | 2,374 | 2.7% | 6.25% |
| 25 | Velocio MortgageSan Antonio, TX | A | 671 | 4,020 | 3.8% | 4.25% |
| 26 | Planet Home LendingMeriden, CT | B | 635 | 2,002 | 14.6% | 5.99% |
| 27 | LoanUnited.comDuluth, GA | C | 613 | 1,167 | 6.4% | 6.13% |
| 28 | Kind LendingIrvine, CA | C | 581 | 5,912 | 23.8% | 6.50% |
| 29 | Equity Prime MortgageAtlanta, GA | D | 539 | 2,048 | 9.9% | 6.50% |
| 30 | Cornerstone Capital BankHouston, TX | A | 525 | 2,982 | 2.6% | 6.25% |
| 31 | Kbhs Home LoansIrving, TX | B | 510 | 3,359 | 8.3% | 6.25% |
| 32 | American Pacific MortgageRoseville, CA | C | 486 | 2,702 | 8.4% | 6.50% |
| 33 | SfmcPlano, TX | B | 470 | 4,321 | 4.6% | 6.13% |
| 34 | Rocky Mountain MortgageEl Paso, TX | C | 454 | 1,240 | 18.6% | 5.68% |
| 35 | Union Home MortgageStrongsville, OH | B | 451 | 4,601 | 5.9% | 6.38% |
| 36 | Movement MortgageLancaster, SC | A | 396 | 3,450 | 3.6% | 6.63% |
| 37 | Jet HomeloansJacksonville, FL | A | 395 | 2,833 | 4.3% | 5.50% |
| 38 | M/i FinancialColumbus, OH | A | 385 | 2,534 | 3.4% | 4.88% |
| 39 | Swbc MortgageSan Antonio, TX | A | 373 | 2,092 | 2.5% | 6.50% |
| 40 | Highlands Residential MortgageAllen, TX | B | 371 | 4,275 | 1.4% | 6.63% |
| 41 | Clm MortgageHouston, TX | A | 365 | 2,009 | 0.9% | 5.49% |
| 42 | First National Bank TexasKilleen, TX | B | 362 | 1,417 | 3.2% | 6.38% |
| 43 | Plaza Home MortgageSan Diego, CA | C | 362 | 3,046 | 25.2% | 6.50% |
| 44 | Sun West Mortgage CompanyCerritos, CA | B | 356 | 1,721 | 9.8% | 6.13% |
| 45 | Paramount Residential Mortgage GroupCorona, CA | B | 353 | 4,266 | 2.6% | 6.50% |
| 46 | Carrington Mortgage ServicesOrange, CA | D | 331 | 3,471 | 46.2% | 6.63% |
| 47 | Pentagon Federal Credit UnionMclean, VA | F | 327 | 2,706 | 40.9% | 7.38% |
| 48 | Gardner Financial ServicesSan Antonio, TX | B | 316 | 2,070 | 1.6% | 6.38% |
| 49 | Gateway First BankJenks, OK | B | 315 | 3,016 | 4.3% | 6.63% |
| 50 | Right Start MortgagePasadena, CA | D | 313 | 2,856 | 8.1% | 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.
