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 | 540 | 599 | 16.9% | 6.25% |
| 2 | United Shore Financial ServicesPlymouth, MI | B | 300 | 1,281 | 8.7% | 6.12% |
| 3 | Freedom MortgageBoca Raton, FL | B | 254 | 512 | 11.1% | 6.19% |
| 4 | Rocket MortgagePlymouth, MI | C | 207 | 1,567 | 17.1% | 6.50% |
| 5 | Fairway Independent MortgageMadison, WI | B | 177 | 1,106 | 4.2% | 6.49% |
| 6 | New Day FinancialWest Palm Beach, FL | F | 151 | 158 | 24.7% | 6.87% |
| 7 | NewrezWilmington, DE | D | 107 | 317 | 13.6% | 6.13% |
| 8 | Guild MortgageSan Diego, CA | A | 97 | 961 | 4.5% | 6.38% |
| 9 | Navy Federal Credit UnionVienna, VA | D | 90 | 220 | 20.0% | 6.25% |
| 10 | Crosscountry MortgageCleveland, OH | B | 71 | 305 | 3.6% | 6.24% |
| 11 | Pennymac Loan ServicesWestlake Village, CA | C | 67 | 354 | 12.7% | 6.63% |
| 12 | USAA Federal Savings BankPhoenix, AZ | C | 64 | 93 | 25.8% | 6.13% |
| 13 | Jonah Bank of WyomingCasper, WY | A | 64 | 496 | 2.6% | 6.25% |
| 14 | The Federal Savings BankChicago, IL | C | 62 | 70 | 8.6% | 6.75% |
| 15 | Village Capital & InvestmentHenderson, NV | C | 57 | 74 | 18.9% | 5.75% |
| 16 | CMG MortgageSan Ramon, CA | A | 49 | 186 | 1.6% | 6.63% |
| 17 | Kind LendingIrvine, CA | C | 41 | 200 | 19.0% | 6.50% |
| 18 | Lakeview Loan ServicingCoral Gables, FL | C | 38 | 140 | 26.4% | 6.13% |
| 19 | Mutual of Omaha MortgageSan Diego, CA | C | 31 | 170 | 25.9% | 6.38% |
| 20 | First Western Trust BankDenver, CO | A | 28 | 140 | 0.7% | 6.25% |
| 21 | American Pacific MortgageRoseville, CA | C | 26 | 191 | 7.3% | 6.50% |
| 22 | Glacier BankKalispell, MT | D | 23 | 856 | 15.9% | 6.95% |
| 23 | Broker SolutionsTustin, CA | D | 22 | 226 | 8.9% | 6.88% |
| 24 | Hilltop National BankCasper, WY | B | 21 | 263 | 3.4% | — |
| 25 | LoanUnited.comDuluth, GA | C | 20 | 46 | 6.5% | 6.31% |
| 26 | Nationstar MortgageCoppell, TX | C | 20 | 177 | 14.7% | 8.25% |
| 27 | Planet Home LendingMeriden, CT | B | 18 | 34 | 32.4% | 5.69% |
| 28 | Equity Prime MortgageAtlanta, GA | D | 18 | 41 | 14.6% | 6.50% |
| 29 | Carrington Mortgage ServicesOrange, CA | D | 18 | 128 | 40.6% | 6.25% |
| 30 | Loandepot.ComIrvine, CA | D | 18 | 221 | 22.2% | 6.99% |
| 31 | Gold Star Mortgage Financial GroupAnn Arbor, MI | C | 18 | 301 | 1.0% | 6.38% |
| 32 | Western VistaCheyenne, WY | C | 18 | 322 | 7.1% | 6.25% |
| 33 | American FinancingAurora, CO | D | 16 | 122 | 26.2% | 6.50% |
| 34 | PHH MortgageMount Laurel, NJ | C | 15 | 44 | 2.3% | 5.99% |
| 35 | Wyoming Bank & TrustCheyenne, WY | – | 15 | 72 | 9.7% | — |
| 36 | Plains Commerce BankSioux Falls, SD | B | 15 | 180 | 5.0% | 6.38% |
| 37 | Guaranteed RateChicago, IL | B | 15 | 222 | 4.1% | 6.38% |
| 38 | Allied First Bank,sbOswego, IL | F | 14 | 18 | 22.2% | — |
| 39 | Platte Valley BankTorrington, WY | B | 14 | 207 | 4.8% | — |
| 40 | Pinnacle Bank - WyomingCody, WY | C | 14 | 318 | 6.3% | — |
| 41 | Magnolia BankHodgenville, KY | C | 13 | 13 | 7.7% | 6.25% |
| 42 | Geneva FinancialChandler, AZ | C | 13 | 93 | 2.2% | 6.50% |
| 43 | AmeriSave MortgageSandy Springs, GA | D | 13 | 215 | 61.9% | 8.63% |
| 44 | U.S. BankCincinnati, OH | D | 13 | 373 | 34.1% | 7.06% |
| 45 | Union Home MortgageStrongsville, OH | B | 12 | 87 | 5.8% | 6.38% |
| 46 | Armed Forces BankFort Leavenworth, MO | C | 11 | 12 | 0.0% | 5.75% |
| 47 | Mortgage Solutions of ColoradoColorado Springs, CO | C | 11 | 23 | 8.7% | 7.75% |
| 48 | Securitynational MortgageSalt Lake City, UT | D | 11 | 110 | 0.9% | 6.38% |
| 49 | Towne MortgageTroy, MI | B | 10 | 12 | 0.0% | 6.13% |
| 50 | Texana BankLinden, TX | C | 10 | 13 | 0.0% | 5.94% |
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.
