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 | 2,757 | 3,213 | 15.8% | 6.25% |
| 2 | United Shore Financial ServicesPlymouth, MI | B | 1,019 | 4,421 | 11.8% | 6.38% |
| 3 | Freedom MortgageBoca Raton, FL | B | 894 | 2,068 | 9.1% | 6.25% |
| 4 | New Day FinancialWest Palm Beach, FL | F | 686 | 718 | 24.9% | 6.99% |
| 5 | Rocket MortgagePlymouth, MI | C | 598 | 7,819 | 18.0% | 6.63% |
| 6 | Pennymac Loan ServicesWestlake Village, CA | C | 451 | 2,298 | 12.7% | 6.38% |
| 7 | Navy Federal Credit UnionVienna, VA | D | 371 | 1,195 | 18.1% | 6.63% |
| 8 | NewrezWilmington, DE | D | 371 | 2,776 | 16.3% | 6.50% |
| 9 | USAA Federal Savings BankPhoenix, AZ | C | 254 | 378 | 22.8% | 6.13% |
| 10 | Village Capital & InvestmentHenderson, NV | C | 229 | 387 | 19.1% | 5.75% |
| 11 | The Federal Savings BankChicago, IL | C | 213 | 321 | 7.2% | 6.50% |
| 12 | Fairway Independent MortgageMadison, WI | B | 204 | 3,754 | 4.1% | 6.63% |
| 13 | Guaranteed RateChicago, IL | B | 154 | 1,797 | 5.4% | 6.53% |
| 14 | Guild MortgageSan Diego, CA | A | 142 | 2,875 | 4.0% | 6.63% |
| 15 | Crosscountry MortgageCleveland, OH | B | 133 | 1,553 | 4.8% | 6.75% |
| 16 | Loandepot.ComIrvine, CA | D | 117 | 1,672 | 24.4% | 6.99% |
| 17 | Prosperity Home MortgageFairfax, VA | A | 116 | 1,007 | 5.7% | 6.38% |
| 18 | Lakeview Loan ServicingCoral Gables, FL | C | 104 | 820 | 44.9% | 6.69% |
| 19 | Planet Home LendingMeriden, CT | B | 100 | 421 | 18.8% | 6.38% |
| 20 | Barrington Bank & Trust CompanyBarrington, IL | C | 99 | 1,492 | 4.4% | 6.49% |
| 21 | First Colony MortgageOrem, UT | A | 85 | 1,235 | 4.4% | 6.50% |
| 22 | Broker SolutionsTustin, CA | D | 85 | 1,720 | 10.9% | 6.88% |
| 23 | U.S. BankCincinnati, OH | D | 85 | 4,710 | 26.0% | 6.88% |
| 24 | Unnamed lender 254900M2C4Q6DATP2889 | F | 74 | 319 | 21.3% | 6.13% |
| 25 | Mutual of Omaha MortgageSan Diego, CA | C | 72 | 671 | 22.7% | 6.49% |
| 26 | Nations LendingIndependence, OH | B | 69 | 1,065 | 2.8% | 6.63% |
| 27 | American Pacific MortgageRoseville, CA | C | 66 | 998 | 7.6% | 6.63% |
| 28 | Equity Prime MortgageAtlanta, GA | D | 64 | 235 | 12.3% | 6.63% |
| 29 | Movement MortgageLancaster, SC | A | 63 | 530 | 3.8% | 6.75% |
| 30 | Carrington Mortgage ServicesOrange, CA | D | 63 | 633 | 41.2% | 6.63% |
| 31 | Nationstar MortgageCoppell, TX | C | 63 | 1,260 | 14.3% | 7.49% |
| 32 | Bank Five NineOconomowoc, WI | A | 60 | 1,584 | 4.0% | 6.50% |
| 33 | Ixonia BankIxonia, WI | C | 59 | 1,676 | 2.2% | 6.75% |
| 34 | AmeriSave MortgageSandy Springs, GA | D | 58 | 1,208 | 61.3% | 8.25% |
| 35 | CMG MortgageSan Ramon, CA | A | 56 | 876 | 3.9% | 6.75% |
| 36 | Homebridge Financial ServicesIselin, NJ | B | 47 | 213 | 24.4% | 7.38% |
| 37 | Associated BankGreen Bay, WI | B | 47 | 7,451 | 23.7% | 6.88% |
| 38 | Union Home MortgageStrongsville, OH | B | 46 | 801 | 6.1% | 6.63% |
| 39 | Bell BankFargo, ND | A | 45 | 1,313 | 6.6% | 6.50% |
| 40 | Clearpath LendingIrvine, CA | B | 44 | 45 | 11.1% | 5.69% |
| 41 | ServionNew Brighton, MN | B | 39 | 394 | 6.4% | 6.50% |
| 42 | LowerColumbia, MD | C | 36 | 314 | 12.7% | 6.63% |
| 43 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 36 | 345 | 2.9% | 6.50% |
| 44 | Allied First Bank,sbOswego, IL | F | 35 | 50 | 28.0% | 3.38% |
| 45 | Magnolia BankHodgenville, KY | C | 34 | 57 | 15.8% | 6.19% |
| 46 | American FinancingAurora, CO | D | 34 | 321 | 45.2% | 6.13% |
| 47 | Mortgage Solutions of ColoradoColorado Springs, CO | C | 32 | 58 | 3.5% | 7.50% |
| 48 | A + Mortgage ServicesMuskego, WI | A | 32 | 848 | 1.4% | 6.63% |
| 49 | Waterstone MortgageBrookfield, WI | C | 31 | 469 | 1.7% | 6.63% |
| 50 | NBKC BankKansas, MO | B | 30 | 139 | 10.1% | 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.