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Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best VA Mortgage Company Lenders in United States
Updated February 6, 2026
Market Overview
44
Total Lenders
3,560,099
Total Loans
0.20%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | — | $2,828 | +0.185% | 285,901 | |
2 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Strong | Exceptional | Exceptional | — | $3,102 | +0.063% | 7,432 | |
3 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | — | $2,477 | +0.229% | 51,353 | |
4 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | — | $2,402 | +0.164% | 37,313 | |
5 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | — | $1,952 | +0.038% | 35,887 | |
6 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | — | $2,384 | +0.287% | 18,786 | |
7 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | — | $2,761 | +0.348% | 13,399 | |
8 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | — | $2,588 | +0.279% | 12,743 | |
9 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | — | $2,206 | +0.608% | 9,656 | |
10 | MOVEMENT MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | — | $2,921 | +0.343% | 51,046 | |
11 | CMG MORTGAGE, INC. | Strong | Sound | Exceptional | Exceptional | — | $2,940 | +0.289% | 46,733 | |
12 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Sound | Exceptional | Exceptional | — | $3,445 | +0.321% | 21,082 | |
13 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Exceptional | — | $2,079 | +0.294% | 14,849 | |
14 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | — | $2,582 | +0.136% | 57,340 | |
15 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | — | $2,479 | +0.382% | 32,880 | |
16 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | — | $3,279 | +0.479% | 17,073 | |
17 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | — | $2,398 | +0.284% | 16,835 | |
18 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | — | $2,029 | +0.181% | 11,542 | |
19 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | — | $2,801 | +0.380% | 11,165 | |
20 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | — | $3,881 | +0.334% | 266,411 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | — | $3,254 | +0.445% | 61,160 | |
22 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | — | $3,705 | +0.346% | 16,100 | |
23 | FLAT BRANCH MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | — | $1,570 | +0.401% | 13,335 | |
24 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | — | $2,818 | +0.429% | 9,840 | |
25 | OCMBC, INC. | Strong | Sound | Strong | Strong | — | $3,899 | +0.665% | 8,372 | |
26 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | — | $3,961 | +0.505% | 8,262 | |
27 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | — | $3,549 | +0.497% | 86,295 | |
28 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | — | $1,956 | +0.540% | 60,588 | |
29 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | — | $3,553 | +0.387% | 58,550 | |
30 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | — | $2,996 | +0.562% | 23,240 | |
31 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | — | $3,487 | +0.386% | 21,352 | |
32 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | — | $2,834 | +0.450% | 15,793 | |
33 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | — | $3,469 | +0.467% | 11,689 | |
34 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | — | $2,852 | +0.180% | 9,468 | |
35 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | — | $2,766 | +0.587% | 7,507 | |
36 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | — | $3,577 | +0.263% | 7,145 | |
37 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | — | $2,906 | +0.435% | 9,356 | |
38 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Sound | — | $3,519 | +0.812% | 9,354 | |
39 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | — | $4,326 | +0.441% | 8,697 | |
40 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | — | $4,289 | +0.552% | 17,767 | |
41 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | — | $4,249 | +0.678% | 13,110 | |
42 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Exceptional | Strong | — | $4,134 | +0.531% | 8,466 | |
43 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | — | $3,182 | +0.556% | 37,119 | |
44 | Luminate Home Loans, Inc. | Sound | Mediocre | Strong | Strong | — | $4,167 | +0.581% | 7,561 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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