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Safe Rate's TrueRank Guarantee
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 Lenders in United States
Updated February 6, 2026
Market Overview
2386
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 | NBKC BANK | Exceptional | Exceptional | Exceptional | Strong | — | $560 | -0.167% | 7,357 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | — | $2,828 | +0.185% | 285,901 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | — | $749 | -0.493% | 31,887 | |
4 | Ameris Bank | Exceptional | Strong | Exceptional | Exceptional | — | $2,801 | +0.172% | 11,244 | |
5 | Fifth Third Bank, National Association | Exceptional | Exceptional | Strong | Strong | — | $542 | +0.263% | 10,811 | |
6 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Strong | Exceptional | Exceptional | — | $3,102 | +0.063% | 7,432 | |
7 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | — | $2,477 | +0.229% | 51,353 | |
8 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | — | $283 | +0.033% | 37,416 | |
9 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | — | $2,402 | +0.164% | 37,313 | |
10 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | — | $1,952 | +0.038% | 35,887 | |
11 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | — | $415 | +0.374% | 18,842 | |
12 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | — | $2,384 | +0.287% | 18,786 | |
13 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | — | $2,761 | +0.348% | 13,399 | |
14 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | — | $2,588 | +0.279% | 12,743 | |
15 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | — | $2,206 | +0.608% | 9,656 | |
16 | JPMorgan Chase Bank, National Association | Strong | Strong | Exceptional | Sound | — | $2,283 | +0.135% | 67,126 | |
17 | MOVEMENT MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | — | $2,921 | +0.343% | 51,046 | |
18 | CMG MORTGAGE, INC. | Strong | Sound | Exceptional | Exceptional | — | $2,940 | +0.289% | 46,733 | |
19 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Sound | Exceptional | Exceptional | — | $3,445 | +0.321% | 21,082 | |
20 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Exceptional | — | $2,079 | +0.294% | 14,849 | |
21 | USAA Federal Savings Bank | Strong | Strong | Exceptional | Sound | — | $1,831 | -0.129% | 12,100 | |
22 | Bell Bank | Strong | Sound | Exceptional | Exceptional | — | $2,876 | +0.274% | 7,696 | |
23 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | — | $2,582 | +0.136% | 57,340 | |
24 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | — | $2,479 | +0.382% | 32,880 | |
25 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | — | $2,572 | +0.351% | 23,726 | |
26 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | — | $3,279 | +0.479% | 17,073 | |
27 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | — | $2,398 | +0.284% | 16,835 | |
28 | Truist Bank | Strong | Strong | Strong | Sound | — | $802 | +0.078% | 13,874 | |
29 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | — | $2,989 | +0.278% | 11,610 | |
30 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | — | $2,029 | +0.181% | 11,542 | |
31 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | — | $2,801 | +0.380% | 11,165 | |
32 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | — | $1,074 | +0.029% | 9,612 | |
33 | Manufacturers and Traders Trust Company | Strong | Sound | Exceptional | Strong | — | $1,064 | +0.105% | 7,577 | |
34 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | — | $3,881 | +0.334% | 266,411 | |
35 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | — | $3,254 | +0.445% | 61,160 | |
36 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | — | $1,660 | -0.017% | 34,079 | |
37 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | — | $3,705 | +0.346% | 16,100 | |
38 | FLAT BRANCH MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | — | $1,570 | +0.401% | 13,335 | |
39 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | — | $2,818 | +0.429% | 9,840 | |
40 | OCMBC, INC. | Strong | Sound | Strong | Strong | — | $3,899 | +0.665% | 8,372 | |
41 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | — | $3,961 | +0.505% | 8,262 | |
42 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | — | $3,549 | +0.497% | 86,295 | |
43 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | — | $1,956 | +0.540% | 60,588 | |
44 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | — | $3,553 | +0.387% | 58,550 | |
45 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | — | $2,996 | +0.562% | 23,240 | |
46 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | — | $3,487 | +0.386% | 21,352 | |
47 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | — | $2,834 | +0.450% | 15,793 | |
48 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | — | $3,469 | +0.467% | 11,689 | |
49 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | — | $2,852 | +0.180% | 9,468 | |
50 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | — | $2,766 | +0.587% | 7,507 |
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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