# Best VA Mortgage Bank Lenders in the US

**As of:** 2026-06-01

Compare the top banks for VA loans in the US.

> **Canonical URL:** https://saferate.com/national/best-mortgage-lenders/banks/va-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 2,386
- **Total Loans:** 3,560,099
- **Median Rate Spread:** 0.20338265534197586%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Ameris Bank | 93 | 63 | 81 | 11,244 | Bank |
| 2 | NBKC BANK | 93 | 91 | 75 | 7,357 | Bank |
| 3 | U.S. Bank National Association | 86 | 71 | 65 | 37,416 | Bank |
| 4 | The Huntington National Bank | 86 | 77 | 63 | 18,842 | Bank |
| 5 | Fifth Third Bank, National Association | 86 | 81 | 60 | 10,811 | Bank |
| 6 | Bell Bank | 84 | 49 | 82 | 7,696 | Bank |
| 7 | JPMorgan Chase Bank, National Association | 78 | 75 | 54 | 67,126 | Bank |
| 8 | Flagstar Bank, N.A. | 78 | 56 | 68 | 23,726 | Bank |
| 9 | USAA Federal Savings Bank | 78 | 62 | 58 | 12,100 | Bank |
| 10 | Plains Commerce Bank | 78 | 46 | 66 | 11,610 | Bank |
| 11 | Manufacturers and Traders Trust Company | 78 | 53 | 68 | 7,577 | Bank |
| 12 | Truist Bank | 73 | 71 | 60 | 13,874 | Bank |
| 13 | Citizens Bank, National Association | 73 | 73 | 58 | 9,612 | Bank |
| 14 | Wells Fargo Bank, National Association | 71 | 53 | 55 | 34,079 | Bank |
| 15 | PNC Bank, National Association | 66 | 50 | 51 | 11,250 | Bank |
| 16 | Regions Bank | 66 | 54 | 59 | 10,811 | Bank |
| 17 | Bank of America, National Association | 46 | 23 | 24 | 25,155 | Bank |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within the US.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.