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 | 299 | 366 | 15.3% | 6.44% |
| 2 | Freedom MortgageBoca Raton, FL | B | 100 | 219 | 9.6% | 6.25% |
| 3 | Rocket MortgagePlymouth, MI | C | 77 | 1,165 | 22.0% | 6.75% |
| 4 | Pennymac Loan ServicesWestlake Village, CA | C | 64 | 181 | 10.5% | 6.13% |
| 5 | Navy Federal Credit UnionVienna, VA | D | 53 | 184 | 19.6% | 6.75% |
| 6 | NewrezWilmington, DE | D | 42 | 273 | 20.9% | 6.69% |
| 7 | Emm LoansCherry Hill, NJ | B | 41 | 761 | 1.5% | 6.63% |
| 8 | USAA Federal Savings BankPhoenix, AZ | C | 39 | 83 | 34.9% | 6.38% |
| 9 | United Shore Financial ServicesPlymouth, MI | B | 36 | 219 | 9.1% | 6.36% |
| 10 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 28 | 45 | 2.2% | 6.63% |
| 11 | CMG MortgageSan Ramon, CA | A | 22 | 459 | 5.7% | 6.63% |
| 12 | Village Capital & InvestmentHenderson, NV | C | 16 | 20 | 30.0% | 5.49% |
| 13 | The Federal Savings BankChicago, IL | C | 16 | 26 | 3.9% | 6.75% |
| 14 | Lakeview Loan ServicingCoral Gables, FL | C | 13 | 75 | 44.0% | 6.19% |
| 15 | Carrington Mortgage ServicesOrange, CA | D | 11 | 62 | 46.8% | 6.38% |
| 16 | Nationstar MortgageCoppell, TX | C | 11 | 99 | 21.2% | 6.75% |
| 17 | AmeriSave MortgageSandy Springs, GA | D | 11 | 242 | 63.6% | 7.75% |
| 18 | Northeast Home LoanChesterfield, NH | A | 11 | 524 | 2.1% | 6.50% |
| 19 | Better MortgageNew York, NY | F | 10 | 219 | 25.6% | 6.63% |
| 20 | Broker SolutionsTustin, CA | D | 10 | 228 | 11.0% | 6.75% |
| 21 | Loandepot.ComIrvine, CA | D | 8 | 116 | 28.5% | 6.19% |
| 22 | Movement MortgageLancaster, SC | A | 7 | 97 | 13.4% | 6.53% |
| 23 | Crosscountry MortgageCleveland, OH | B | 7 | 102 | 8.8% | 7.13% |
| 24 | Manufacturers and Traders TrustBuffalo, NY | C | 7 | 617 | 30.8% | 5.99% |
| 25 | Eastrise Federal Credit UnionWilliston, VT | A | 7 | 3,529 | 5.1% | 6.50% |
| 26 | Barrington Bank & Trust CompanyBarrington, IL | C | 6 | 12 | 0.0% | 6.75% |
| 27 | Norwich Commercial GroupAvon, CT | C | 6 | 22 | 0.0% | 6.19% |
| 28 | Mutual of Omaha MortgageSan Diego, CA | C | 6 | 111 | 16.2% | 6.25% |
| 29 | Fairway Independent MortgageMadison, WI | B | 6 | 167 | 10.2% | 6.75% |
| 30 | Guild MortgageSan Diego, CA | A | 6 | 198 | 3.0% | 6.50% |
| 31 | Allied First Bank,sbOswego, IL | F | 5 | 8 | 37.5% | — |
| 32 | Union BankMorristown, VT | B | 5 | 641 | 4.5% | 6.63% |
| 33 | Service Federal Credit UnionPortsmouth, NH | C | 4 | 70 | 30.0% | 6.49% |
| 34 | Advisors Mortgage GroupOcean, NJ | B | 4 | 86 | 2.3% | 6.75% |
| 35 | Sofi BankCottonwood Heights, UT | D | 4 | 94 | 7.5% | 7.33% |
| 36 | Equity Prime MortgageAtlanta, GA | D | 3 | 5 | 60.0% | — |
| 37 | Magnolia BankHodgenville, KY | C | 3 | 5 | 0.0% | 6.25% |
| 38 | Homestead FundingAlbany, NY | A | 3 | 25 | 0.0% | 6.75% |
| 39 | Homebridge Financial ServicesIselin, NJ | B | 3 | 32 | 25.0% | 6.75% |
| 40 | Plains Commerce BankSioux Falls, SD | B | 3 | 34 | 2.9% | 6.75% |
| 41 | Pentagon Federal Credit UnionMclean, VA | F | 2 | 21 | 57.1% | 6.19% |
| 42 | Luminate Home LoansMinneapolis, MN | C | 2 | 22 | 18.2% | 6.69% |
| 43 | American FinancingAurora, CO | D | 2 | 27 | 37.0% | 6.13% |
| 44 | LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home LoansFort Mill, SC | B | 2 | 39 | 15.4% | 6.00% |
| 45 | Primelending, a PlainscapitalDallas, TX | A | 2 | 96 | 5.2% | 6.63% |
| 46 | Guaranteed RateChicago, IL | B | 2 | 97 | 9.3% | 6.93% |
| 47 | Community National BankDerby, VT | A | 2 | 306 | 4.9% | 6.91% |
| 48 | Northfield Savings BankNorthfield, VT | B | 2 | 319 | 9.7% | 6.50% |
| 49 | American Financial NetworkBrea, CA | C | 1 | 5 | 20.0% | 6.88% |
| 50 | Flagstar BankHicksville, NY | C | 1 | 6 | 50.0% | 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.
