Top 100 VA Lenders of 2025
In 2025, 1,217 lenders made 561,783 VA loans worth $222.8 billion, according to Home Mortgage Disclosure Act (HMDA) data. The 10 largest made 48% of them. Mortgage Research Center tops this ranking with 76,057 VA loans ($25.9 billion).
The 100 largest VA lenders, 2025
Ranked by the number of VA loans each lender made (originated) in 2025, nationwide. Click a column to re-sort, for example by loan volume; click a lender for its full HMDA history.
| # | Lender | Based in | Loans made | Loan volume | Avg. loan | Market share | Denial rate |
|---|---|---|---|---|---|---|---|
| 1 | Mortgage Research Center | Columbia, MO | 76,057 | $25.9B | $341,000 | 13.5% | 26.4% |
| 2 | United Wholesale Mortgage | Plymouth, MI | 71,372 | $31.0B | $434,000 | 12.7% | 8.6% |
| 3 | Freedom Mortgage Corporation | Boca Raton, FL | 34,772 | $13.1B | $376,000 | 6.2% | 8.8% |
| 4 | Navy Federal Credit Union | Vienna, VA | 19,100 | $7.5B | $392,000 | 3.4% | 16.1% |
| 5 | PennyMac Loan Services LLC | Westlake Village, CA | 16,581 | $6.9B | $417,000 | 3.0% | 14.1% |
| 6 | Newrez LLC | Fort Washington, PA | 13,733 | $6.0B | $436,000 | 2.4% | 13.9% |
| 7 | DHI Mortgage Company, Ltd. | Austin, TX | 11,919 | $4.3B | $364,000 | 2.1% | 11.9% |
| 8 | Crosscountry Mortgage, LLC | Cleveland, OH | 11,522 | $5.1B | $440,000 | 2.1% | 3.0% |
| 9 | loanDepot.com LLC | Irvine, CA | 8,540 | $3.4B | $404,000 | 1.5% | 20.9% |
| 10 | New Day Financial, Llc. | West Palm Beach, FL | 8,341 | $2.4B | $282,000 | 1.5% | 52.5% |
| 11 | USAA Federal Savings Bank | San Antonio, TX | 7,648 | $2.9B | $382,000 | 1.4% | 32.9% |
| 12 | Village Capital & Investment | Henderson, NV | 7,566 | $2.9B | $384,000 | 1.3% | 21.1% |
| 13 | CMG Mortgage Inc | San Ramon, IL | 7,268 | $3.5B | $479,000 | 1.3% | 2.9% |
| 14 | Guild Mortgage Company | San Diego, CA | 7,238 | $2.9B | $403,000 | 1.3% | 3.2% |
| 15 | Guaranteed Rate, Inc. | Chicago, IL | 6,768 | $3.1B | $457,000 | 1.2% | 4.8% |
| 16 | Movement Mortgage, LLC | Indian Land, SC | 6,668 | $2.8B | $416,000 | 1.2% | 2.3% |
| 17 | Fairway Independent Mort Corp | Madison, WI | 6,517 | $2.8B | $426,000 | 1.2% | 4.1% |
| 18 | Lennar Mortgage, LLC | Miami, FL | 5,826 | $2.3B | $388,000 | 1.0% | 15.9% |
| 19 | Mortgage Solutions of Colorado | Colorado Springs, CO | 4,544 | $1.5B | $326,000 | 0.8% | 6.0% |
| 20 | Planet Home Lending, LLC | Meriden, CT | 4,532 | $1.8B | $388,000 | 0.8% | 13.8% |
| 21 | New American Funding, Llc. | Tustin, CA | 4,328 | $1.7B | $388,000 | 0.8% | 13.9% |
| 22 | The Federal Savings Bank | Chicago, IL | 4,160 | $1.7B | $408,000 | 0.7% | 23.7% |
| 23 | Equity Prime Mortgage LLC | Atlanta, GA | 3,637 | $1.3B | $355,000 | 0.6% | 19.7% |
| 24 | Union Home Mortgage Corp. | Strongsville, OH | 3,392 | $1.2B | $365,000 | 0.6% | 6.2% |
| 25 | Nationstar Mortgage | Coppell, TX | 3,211 | $1.1B | $346,000 | 0.6% | 12.7% |
| 26 | Lakeview Loan Servicing, LLC | Coral Gables, FL | 3,180 | $1.3B | $419,000 | 0.6% | 46.4% |
| 27 | Kind Lending, LLC | Irvine, CA | 2,736 | $1.2B | $438,000 | 0.5% | 21.1% |
| 28 | Mutual of Omaha Mortgage | Lombard, IL | 2,685 | $1.1B | $410,000 | 0.5% | 20.6% |
| 29 | Carrington Mortgage Services LLC | Orange, CA | 2,492 | $902.9M | $362,000 | 0.4% | 47.0% |
| 30 | Prosperity Home Mortgage, LLC | Chantilly, VA | 2,403 | $1.0B | $430,000 | 0.4% | 7.9% |
| 31 | Ark-La-Tex Financial Services LLC | Plano, TX | 2,314 | $952.6M | $412,000 | 0.4% | 2.5% |
| 32 | Primelending | Dallas, TX | 2,274 | $946.9M | $416,000 | 0.4% | 5.9% |
| 33 | NVR Mortgage Finance, Inc. | Pittsburgh, PA | 2,214 | $937.0M | $423,000 | 0.4% | 18.5% |
| 34 | American Pacific Mortgage Corporation | Roseville, CA | 2,184 | $910.3M | $417,000 | 0.4% | 6.3% |
| 35 | Pulte Mortgage LLC | Denver, CO | 2,181 | $1.0B | $463,000 | 0.4% | 13.4% |
| 36 | Loanunited.Com, LLC | Duluth, GA | 2,120 | $874.2M | $412,000 | 0.4% | 12.9% |
| 37 | Sun West Mortgage Company, Inc | Cerritos, CA | 1,990 | $837.3M | $421,000 | 0.4% | 14.9% |
| 38 | NFM, Inc | Linthicum, MD | 1,817 | $844.1M | $465,000 | 0.3% | 1.0% |
| 39 | Paramount Residential Mortgage | Corona, CA | 1,806 | $820.2M | $454,000 | 0.3% | 2.5% |
| 40 | Lower, LLC | Columbia, MD | 1,798 | $699.6M | $389,000 | 0.3% | 18.9% |
| 41 | Atlantic Bay Mortgage Group | Virginia Beach, VA | 1,772 | $747.0M | $422,000 | 0.3% | 1.4% |
| 42 | Clearpath Lending | Irvine, CA | 1,738 | $591.9M | $341,000 | 0.3% | 11.3% |
| 43 | American Neighborhood Mortgage Acceptance Company | Mt. Laurel, NJ | 1,647 | $655.5M | $398,000 | 0.3% | 2.0% |
| 44 | Barrington Bank & Trust Company, N.A. | Barrington, IL | 1,639 | $533.1M | $325,000 | 0.3% | 10.3% |
| 45 | Pentagon Federal Credit Union | Omaha, NE | 1,638 | $716.2M | $437,000 | 0.3% | 36.9% |
| 46 | Flat Branch Mortgage, Inc. | Columbia, MO | 1,626 | $506.2M | $311,000 | 0.3% | 0.9% |
| 47 | American Financial Resources LLC | Parsippany, NJ | 1,590 | $608.0M | $382,000 | 0.3% | 6.1% |
| 48 | NBKC Bank | Kansas City, MO | 1,512 | $738.0M | $488,000 | 0.3% | 9.6% |
| 49 | Plaza Home Mortgage, Inc | San Diego, CA | 1,489 | $553.5M | $372,000 | 0.3% | 29.9% |
| 50 | American Financial Network, Inc. | Brea, CA | 1,331 | $559.7M | $421,000 | 0.2% | 6.1% |
| 51 | Magnolia Bank | Hodgenville, KY | 1,254 | $453.8M | $362,000 | 0.2% | 14.2% |
| 52 | PHH Mortgage Corporation | West Palm Beach, FL | 1,249 | $520.4M | $417,000 | 0.2% | 11.0% |
| 53 | Ameris Bank | Atlanta, GA | 1,239 | $558.1M | $450,000 | 0.2% | 3.6% |
| 54 | Advantagefirst Lending Inc | Lake Forest, CA | 1,233 | $435.7M | $353,000 | 0.2% | 31.3% |
| 55 | Canopy Mortgage, LLC | Lindon, UT | 1,211 | $504.1M | $416,000 | 0.2% | 1.5% |
| 56 | Zillow Home Loans, LLC | Irvine, CA | 1,181 | $478.0M | $405,000 | 0.2% | 6.3% |
| 57 | Jet Homeloans, LP | Jacksonville, FL | 1,179 | $486.2M | $412,000 | 0.2% | 4.1% |
| 58 | Guaranteed Rate Affinity, LLC | Chicago, IL | 1,171 | $584.3M | $499,000 | 0.2% | 4.3% |
| 59 | Lakeview Community Capital | Coral Gables, FL | 1,117 | $472.6M | $423,000 | 0.2% | 1.8% |
| 60 | US Bank, N.A. | Cincinnati, OH | 1,114 | $474.9M | $426,000 | 0.2% | 11.4% |
| 61 | Kbhs Home Loans, LLC | Chicago, IL | 1,111 | $467.1M | $420,000 | 0.2% | 7.0% |
| 62 | Vanderbilt Mortgage and Finance, Inc | Maryville, TN | 1,084 | $410.1M | $378,000 | 0.2% | 1.1% |
| 63 | Cornerstone Capital Bank, SSB | Houston, TX | 1,068 | $441.1M | $413,000 | 0.2% | 0.8% |
| 64 | Homebridge Financial Services, Inc | Iselin, NJ | 1,056 | $417.5M | $395,000 | 0.2% | 29.8% |
| 65 | Plains Commerce Bank | Hoven, SD | 1,048 | $420.9M | $402,000 | 0.2% | 5.0% |
| 66 | Amerisave Mortgage Company | Sandy Springs, GA | 1,030 | $356.3M | $346,000 | 0.2% | 80.1% |
| 67 | First Federal Bank | Lake City, FL | 1,027 | $494.9M | $482,000 | 0.2% | 11.7% |
| 68 | Inspire Home Loans Inc. | Newport Beach, CA | 1,026 | $378.8M | $369,000 | 0.2% | 8.1% |
| 69 | JPMorgan Chase Bank, NA | Columbus, OH | 1,012 | $396.7M | $392,000 | 0.2% | 16.2% |
| 70 | First Heritage Mortgage, LLC | Fairfax, VA | 984 | $475.0M | $483,000 | 0.2% | 3.9% |
| 71 | Goodleap, LLC | Roseville, CA | 977 | $293.3M | $300,000 | 0.2% | 23.0% |
| 72 | Armed Forces Bank, N.A. | Fort Leavenworth, KS | 965 | $459.7M | $476,000 | 0.2% | 19.9% |
| 73 | Homeamerican Mortgage Corporation | Denver, CO | 961 | $506.3M | $527,000 | 0.2% | 8.8% |
| 74 | First Community Mortgage, Inc. | Murfreesboro, TN | 929 | $339.7M | $366,000 | 0.2% | 5.6% |
| 75 | The Loan Store, Inc | Tucson, AZ | 913 | $425.1M | $466,000 | 0.2% | 5.1% |
| 76 | Acrisure Mortgage, LLC | Orlando, FL | 903 | $358.8M | $397,000 | 0.2% | 3.4% |
| 77 | Everett Financial, Inc. | Dallas, TX | 890 | $349.5M | $393,000 | 0.2% | 6.6% |
| 78 | T2 Financial LLC | Westerville, OH | 879 | $336.7M | $383,000 | 0.2% | 4.5% |
| 79 | Cardinal Financial Company, Li | Charlotte, NC | 857 | $335.3M | $391,000 | 0.2% | 11.2% |
| 80 | Velocio Mortgage, L.L.C. | Houston, TX | 857 | $328.0M | $383,000 | 0.2% | 3.5% |
| 81 | Atlantic Coast Mortgage, LLC | Fairfax, VA | 855 | $448.1M | $524,000 | 0.2% | 1.2% |
| 82 | Mid-Continent Funding, Inc. | Columbia, MO | 836 | $258.4M | $309,000 | 0.1% | 7.4% |
| 83 | Towne Mortgage Company | Troy, MI | 828 | $304.3M | $367,000 | 0.1% | 5.2% |
| 84 | Wells Fargo Bank NA | Minneapolis, MN | 823 | $294.1M | $357,000 | 0.1% | 22.1% |
| 85 | M&T Bank | Buffalo, NY | 806 | $322.9M | $401,000 | 0.1% | 12.0% |
| 86 | Primary Residential Mortgage, Inc. | Salt Lake City, UT | 785 | $320.1M | $408,000 | 0.1% | 4.4% |
| 87 | Waterstone Mortgage Corporation | Brookfield, WI | 774 | $311.8M | $403,000 | 0.1% | 3.2% |
| 88 | Gateway First Bank | Jenks, OK | 749 | $266.3M | $355,000 | 0.1% | 5.2% |
| 89 | M/I Financial. LLC | Columbus, OH | 745 | $315.0M | $423,000 | 0.1% | 2.2% |
| 90 | Nations Lending Corporation | Independence, OH | 735 | $258.3M | $351,000 | 0.1% | 5.4% |
| 91 | V.I.P. Mortgage, Inc. | Scottsdale, AZ | 710 | $309.6M | $436,000 | 0.1% | 1.8% |
| 92 | Taylor Morrison Home Funding, Inc. | Maitland, FL | 654 | $325.6M | $498,000 | 0.1% | 14.5% |
| 93 | Das Acquisition Company, LLC | Saint Louis, MO | 651 | $233.9M | $359,000 | 0.1% | 2.5% |
| 94 | Gold Star Mortgage Financial Group, Corporation | Ann Arbor, MI | 635 | $249.9M | $394,000 | 0.1% | 2.1% |
| 95 | First Home Mortgage | Baltimore, MD | 628 | $328.7M | $523,000 | 0.1% | 1.7% |
| 96 | SWBC Mortgage Corporation | San Antonio, TX | 625 | $265.2M | $424,000 | 0.1% | 2.4% |
| 97 | Emm Loans LLC | Cherry Hill, NJ | 615 | $272.0M | $442,000 | 0.1% | 3.6% |
| 98 | Envoy Mortgage, Ltd | Houston, TX | 612 | $267.9M | $438,000 | 0.1% | 19.5% |
| 99 | Stockton Mortgage Corporation | Frankfort, KY | 606 | $192.6M | $318,000 | 0.1% | 8.9% |
| 100 | Huntington National Bank | Columbus, OH | 594 | $172.2M | $290,000 | 0.1% | 12.7% |
Get the numbers for every lender, not just the top 100
The U.S. mortgage lender list has all 17,667 lenders that have reported HMDA data since 2003, with addresses, phone numbers and each lender's applications and dollar volume every year through 2025. The 2025 detail file breaks every lender's business down by loan type (conventional, FHA, VA, USDA), loan purpose, outcome and denial reason. Excel or CSV: $498 for 2025, $998 for 2003–2025.
See what's in the U.S. lender list Lender lists by stateHow this ranking works
- Source: the loan records lenders filed for 2025 under the Home Mortgage Disclosure Act, published by the FFIEC and the CFPB in 2026, totaled by lender.
- Lenders are ranked by loans made, the number of loans they originated; loan volume is those loans' total amount. Loans a lender bought from other lenders are not counted, so each loan counts once, for the lender that made it.
- Market share is the lender's share of all 561,783 VA loans made in the U.S. in 2025.
- Denial rate is applications the lender denied, divided by applications it approved or denied.
- Lenders are listed under the name and city on their HMDA filing. Lenders that have asked not to appear on AllMortgageDetail are left out of the ranking.
More lender rankings
- Top Mortgage lenders of 2025
- Top Home Purchase lenders of 2025
- Top Refinance lenders of 2025
- Top Cash-Out Refinance lenders of 2025
- Top FHA lenders of 2025
- Top USDA lenders of 2025
Top mortgage lenders by state
The lenders that made the most home loans in each state, with the top FHA, VA, purchase and refinance lenders there:
Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
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