Lenders handling the most VA-guaranteed loan applications for veterans and service members.
| # | Lender | Grade | VA applications | Applications | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | United Shore Financial ServicesPlymouth, MI | B | 1,187 | 11,325 | 8.5% | 6.25% |
| 2 | Mortgage Research CenterColumbia, MO | C | 1,007 | 1,069 | 17.2% | 5.99% |
| 3 | Freedom MortgageBoca Raton, FL | B | 540 | 1,549 | 8.7% | 6.13% |
| 4 | Rocket MortgagePlymouth, MI | C | 374 | 6,276 | 14.6% | 6.63% |
| 5 | Guild MortgageSan Diego, CA | A | 302 | 5,427 | 1.5% | 6.50% |
| 6 | Kind LendingIrvine, CA | C | 283 | 3,227 | 20.3% | 6.50% |
| 7 | NewrezWilmington, DE | D | 272 | 1,801 | 17.3% | 6.63% |
| 8 | Intercap LendingSalt Lake City, UT | A | 265 | 4,881 | 0.7% | 6.50% |
| 9 | Pennymac Loan ServicesWestlake Village, CA | C | 252 | 2,132 | 12.7% | 6.38% |
| 10 | Village Capital & InvestmentHenderson, NV | C | 205 | 332 | 12.4% | 5.75% |
| 11 | Lakeview Loan ServicingCoral Gables, FL | C | 195 | 1,100 | 42.0% | 6.19% |
| 12 | The Federal Savings BankChicago, IL | C | 190 | 243 | 10.3% | 6.25% |
| 13 | Navy Federal Credit UnionVienna, VA | D | 150 | 646 | 20.4% | 7.65% |
| 14 | First Colony MortgageOrem, UT | A | 134 | 3,499 | 2.1% | 6.38% |
| 15 | My Move MortgageUtah, UT | A | 82 | 1,487 | 0.6% | 6.13% |
| 16 | USAA Federal Savings BankPhoenix, AZ | C | 79 | 145 | 26.2% | 6.25% |
| 17 | Direct Rate Home LoansCottonwood Heights, UT | B | 77 | 524 | 5.9% | 6.38% |
| 18 | Securitynational MortgageSalt Lake City, UT | D | 76 | 2,466 | 4.7% | 6.75% |
| 19 | RanlifeSandy, UT | B | 72 | 1,050 | 1.2% | 6.38% |
| 20 | Fairway Independent MortgageMadison, WI | B | 70 | 1,304 | 2.7% | 6.63% |
| 21 | American Pacific MortgageRoseville, CA | C | 69 | 629 | 7.8% | 6.50% |
| 22 | Crosscountry MortgageCleveland, OH | B | 65 | 1,088 | 2.9% | 6.63% |
| 23 | Loandepot.ComIrvine, CA | D | 61 | 1,241 | 18.9% | 6.63% |
| 24 | Dhi Mortgage CompanyArlington, TX | B | 55 | 1,571 | 8.6% | 5.75% |
| 25 | Mountain America Federal Credit UnionSandy, UT | D | 55 | 15,401 | 36.5% | 7.24% |
| 26 | Broker SolutionsTustin, CA | D | 54 | 1,269 | 8.7% | 6.75% |
| 27 | Carrington Mortgage ServicesOrange, CA | D | 49 | 412 | 46.6% | 6.38% |
| 28 | The Loan StoreSan Francisco, CA | B | 47 | 2,524 | 5.4% | 6.49% |
| 29 | Plaza Home MortgageSan Diego, CA | C | 45 | 337 | 28.2% | 6.38% |
| 30 | Homeamerican MortgageDenver, CO | A | 45 | 399 | 7.3% | 4.63% |
| 31 | PHH MortgageMount Laurel, NJ | C | 44 | 342 | 9.9% | 5.99% |
| 32 | Sun American MortgageMesa, AZ | B | 43 | 535 | 1.7% | 6.49% |
| 33 | Equity Prime MortgageAtlanta, GA | D | 42 | 175 | 10.3% | 6.50% |
| 34 | CMG MortgageSan Ramon, CA | A | 41 | 451 | 3.6% | 6.63% |
| 35 | GoldenwestOgden, UT | B | 40 | 4,794 | 17.6% | 7.50% |
| 36 | American Financial NetworkBrea, CA | C | 39 | 277 | 6.5% | 6.38% |
| 37 | Mutual of Omaha MortgageSan Diego, CA | C | 39 | 313 | 12.5% | 6.13% |
| 38 | AmeriSave MortgageSandy Springs, GA | D | 38 | 640 | 51.9% | 8.50% |
| 39 | Guaranteed RateChicago, IL | B | 38 | 703 | 8.7% | 6.50% |
| 40 | Planet Home LendingMeriden, CT | B | 36 | 219 | 6.9% | 6.13% |
| 41 | Magnolia BankHodgenville, KY | C | 34 | 38 | 23.7% | 5.93% |
| 42 | American Financial ResourcesParsippany-Troy Hills, NJ | B | 34 | 217 | 3.2% | 6.25% |
| 43 | GoodLeapRoseville, CA | C | 34 | 284 | 20.4% | 6.70% |
| 44 | Nationstar MortgageCoppell, TX | C | 34 | 1,304 | 13.6% | 8.50% |
| 45 | Allied First Bank,sbOswego, IL | F | 32 | 43 | 44.2% | — |
| 46 | Texana BankLinden, TX | C | 32 | 83 | 9.6% | 6.44% |
| 47 | Clm MortgageHouston, TX | A | 32 | 346 | 0.9% | 6.13% |
| 48 | Canopy MortgageLindon, UT | B | 31 | 842 | 3.3% | 6.38% |
| 49 | Sun West Mortgage CompanyCerritos, CA | B | 30 | 144 | 13.2% | 6.13% |
| 50 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 29 | 277 | 4.0% | 6.50% |
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.
