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 | 8,294 | 9,000 | 16.7% | 6.25% |
| 2 | United Shore Financial ServicesPlymouth, MI | B | 5,201 | 13,994 | 10.4% | 6.12% |
| 3 | Freedom MortgageBoca Raton, FL | B | 4,834 | 8,029 | 6.5% | 6.25% |
| 4 | Navy Federal Credit UnionVienna, VA | D | 2,897 | 19,395 | 19.3% | 7.75% |
| 5 | Rocket MortgagePlymouth, MI | C | 2,366 | 19,274 | 14.8% | 6.63% |
| 6 | Pennymac Loan ServicesWestlake Village, CA | C | 2,258 | 8,334 | 10.7% | 6.38% |
| 7 | New Day FinancialWest Palm Beach, FL | F | 1,832 | 1,893 | 24.7% | 6.99% |
| 8 | NewrezWilmington, DE | D | 1,829 | 6,390 | 16.4% | 6.38% |
| 9 | Movement MortgageLancaster, SC | A | 1,285 | 6,126 | 4.3% | 6.56% |
| 10 | Village Capital & InvestmentHenderson, NV | C | 1,266 | 1,614 | 16.4% | 5.75% |
| 11 | American Neighborhood Mortgage Acceptance CompanyMount Laurel, NJ | B | 1,239 | 3,519 | 3.1% | 6.50% |
| 12 | Atlantic Bay Mortgage GroupVirginia Beach, VA | A | 1,127 | 5,193 | 1.5% | 6.50% |
| 13 | Crosscountry MortgageCleveland, OH | B | 837 | 4,339 | 3.2% | 6.58% |
| 14 | NVR Mortgage FinanceReston, VA | B | 817 | 3,903 | 20.2% | 6.13% |
| 15 | CMG MortgageSan Ramon, CA | A | 780 | 3,213 | 3.1% | 6.25% |
| 16 | USAA Federal Savings BankPhoenix, AZ | C | 759 | 1,168 | 25.7% | 6.25% |
| 17 | Atlantic Coast MortgageFairfax, VA | A | 757 | 4,256 | 1.8% | 6.49% |
| 18 | Guaranteed RateChicago, IL | B | 725 | 3,164 | 4.9% | 6.25% |
| 19 | The Federal Savings BankChicago, IL | C | 708 | 1,023 | 7.7% | 6.50% |
| 20 | Prosperity Home MortgageFairfax, VA | A | 601 | 2,747 | 3.6% | 6.50% |
| 21 | Lakeview Loan ServicingCoral Gables, FL | C | 519 | 2,266 | 49.7% | 6.43% |
| 22 | Southern Trust MortgageVirginia Beach, VA | B | 493 | 1,853 | 3.8% | 6.50% |
| 23 | LoanUnited.comDuluth, GA | C | 436 | 730 | 7.0% | 6.13% |
| 24 | Loandepot.ComIrvine, CA | D | 435 | 3,738 | 21.1% | 6.99% |
| 25 | Equity Prime MortgageAtlanta, GA | D | 408 | 862 | 12.9% | 6.63% |
| 26 | Broker SolutionsTustin, CA | D | 383 | 2,961 | 10.8% | 6.75% |
| 27 | First Heritage MortgageFairfax, VA | A | 361 | 3,232 | 3.0% | 6.38% |
| 28 | Fairway Independent MortgageMadison, WI | B | 344 | 2,305 | 5.0% | 6.50% |
| 29 | Calcon Mutual MortgageSan Diego, CA | D | 334 | 1,139 | 5.1% | 6.49% |
| 30 | Guild MortgageSan Diego, CA | A | 326 | 1,475 | 4.2% | 6.50% |
| 31 | Carrington Mortgage ServicesOrange, CA | D | 321 | 1,767 | 45.6% | 6.63% |
| 32 | Pentagon Federal Credit UnionMclean, VA | F | 316 | 2,773 | 27.8% | 7.63% |
| 33 | AmeriSave MortgageSandy Springs, GA | D | 307 | 3,112 | 57.3% | 8.25% |
| 34 | Planet Home LendingMeriden, CT | B | 300 | 614 | 14.0% | 5.99% |
| 35 | Alcova MortgageRoanoke, VA | A | 293 | 3,262 | 2.8% | 6.63% |
| 36 | Towne BankPortsmouth, VA | B | 274 | 2,614 | 7.2% | 6.75% |
| 37 | Mutual of Omaha MortgageSan Diego, CA | C | 257 | 1,406 | 18.2% | 6.38% |
| 38 | Tidewater Mortgage ServicesVirginia Beach, VA | C | 256 | 1,065 | 5.5% | 6.50% |
| 39 | American Financial NetworkBrea, CA | C | 225 | 1,369 | 6.2% | 6.63% |
| 40 | Intercoastal MortgageReston, VA | A | 223 | 1,651 | 2.1% | 6.38% |
| 41 | NFMLinthicum, MD | A | 220 | 1,588 | 1.5% | 6.63% |
| 42 | Dhi Mortgage CompanyArlington, TX | B | 211 | 962 | 10.0% | 5.50% |
| 43 | Nationstar MortgageCoppell, TX | C | 210 | 2,539 | 12.1% | 7.99% |
| 44 | Presidential BankBethesda, MD | B | 206 | 978 | 3.4% | 6.63% |
| 45 | Union Home MortgageStrongsville, OH | B | 204 | 1,000 | 7.3% | 6.38% |
| 46 | Towne MortgageNorfolk, VA | B | 167 | 600 | 1.0% | 6.50% |
| 47 | Archer MortgageVirginia Beach, VA | B | 164 | 329 | 2.1% | 6.50% |
| 48 | Clearpath LendingIrvine, CA | B | 161 | 164 | 11.6% | 5.69% |
| 49 | PHH MortgageMount Laurel, NJ | C | 160 | 752 | 5.9% | 6.38% |
| 50 | GoodLeapRoseville, CA | C | 160 | 762 | 24.2% | 6.13% |
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.
