You can get a VA loan from just about any lender anywhere, right?

Possibly. But some VA lenders are better than others. Many mortgage lenders offer VA loans, but do not specialize in the type of loan.

For that reason, we have compiled this list of the best VA loan companies and/or lenders available on the market. We selected them based on their specialization in VA loans and other financial services they offer.

The list isn’t in any specific order, but we’ve given the top three slots to lenders specializing in VA loans and/or financial services for military-backed consumers.

10 Best VA Lenders in 2022

1. Veterans United Home Loans

The biggest advantage of Veterans United: It is a mortgage lender created specifically to provide VA loans to veterans. The company was founded in 2002 in Columbia, Missouri.

Veterans United is still headquartered in Columbia, but it has grown. Now more than 5,200 Veterans United employees work from more than 60 offices across the country.

Veterans United works with former senior enlisted members from every branch of the armed forces. These military advisers have made it their mission to educate veterans about homeownership and the benefits of VA loans.

Purchase and refinance15 years and 30 years fixed, ARMs0% down, no PMI24/7 customer service

Veterans United provides in-house processing, underwriting, and closing teams for both homebuyers and homeowners seeking refinancing for a VA loan.

Currently, the lender offers fixed-rate mortgages with terms of 15 or 30 years and variable-rate mortgages. It also offers 24/7 customer service, which is unusual in the mortgage industry.

Veterans United’s website is comprehensive and offers many resources to guide home buyers through the entire VA mortgage process. They offer related services such as Veterans United Realty which represents a network of veteran friendly brokers.

It also offers a free credit counseling program to help homebuyers improve their creditworthiness before they start buying a home.

2. USAA

USA is another financial services company that was founded with the military in mind. A group of 25 army officers founded USAA in 1922 to provide mutual self-insurance for auto coverage. Now USAA offers many other financial services including conventional and fixed rate VA mortgages with maturities ranging from 10 to 30 years. They also offer the variable rate mortgage VA 5/1.

According to the annual report, USAA had more than 13 million members by the end of 2020.

New home buyers and homeowner refinancers can take advantage of USAA’s loan programs.

Purchase and Refinancing10, 15, 20 and 30 Years VA Fixed, 5/1 VA ARM0% Down, No PMIVA and Conventional Mortgages

One of the great benefits of getting a VA loan through USAA is the wide variety of other financial services they offer. You can start with a mortgage and then add services like banking, home or auto insurance when you need them.

3. Navy Federal Credit Union

Navy Federal Credit UnionFounded in 1933, it works specifically with members of the Navy. It has since expanded to cover all members of the military regardless of industry, including the National Guard and Reserves, Delayed Entry Program (DEP) participants, officer candidates, ROTC cadets, veterans, retirees, and annuitants.

Navy Federal is also the largest credit union in the country based on asset size and membership.

Navy Federal has more than 11 million members and more than $153.5 billion in assets, according to the 2022 factsheet. The credit union offers complete banking services, IRAs, credit cards, auto loans, personal loans, and student loans.

Navy Federal’s VA loans have fixed interest rates of 15 and 30 years, but do not offer adjustable-rate loans. For current homeowners, Navy Federal offers VA Streamline Refinances, which allows you to take an interest rate reduction refinancing loan (IRRRL) on an existing VA mortgage to lower your rate.

VA streamline refinancing requires no appraisal or inspection of the home.

The credit union has 3,500 branches across the country and nearly 30,000 ATMs. They also maintain 24/7 customer service through their call centers.

4. Rocket Companies, Inc.

Based in Detroit, Michigan, Missile Companies, Inc., along with its Rocket Mortgage arm, is the largest private mortgage lender in the country. Formerly known as Quicken Loans, the lender generated more than $350 billion in originations in 2021.

The company operates in all 50 states and has more than 26,000 employees in the United States and Canada, although Rocket Mortgage operates entirely online

But that also has its advantages. You can apply online and get a loan decision within minutes of completing your application.

Rocket offers VA mortgages† They work directly with the Veterans Administration to get your eligibility certificate and other paperwork required to qualify for the loan.

Rocket Mortgage operates almost all of their loans in-house.

That means it’s unlikely that your loan servicing will be sold to another company, as is usually the case with most mortgage lenders.

Rocket Mortgage offers fixed rate loans from 15 to 30 years, the 5/1 VA loan with adjustable rate and jumbo VA loans for a whopping $1.5 million with a minimum credit score of 580.

Rocket Mortgage also offers conventional and FHA mortgages, in case you want to save your VA loan for another real estate.

5. JG Wentworth

JG Wentworth has been a direct mortgage lender since 1992. The company has a customer-centric policy to make borrowers feel in control of the entire credit process.

The company also offers some of the lowest interest rates in the industry. The Better Business Bureau recognized JG Wentworth in 1996. It currently has a A+ BBB rating

As a full-service mortgage lender, JG Wentworth offers conventional, FHA, and 15- to 30-year VA loans for both purchase and refinancing.

On the refinancing side, they offer refinancing loans with redemption and interest rate cut.

The company has more than 20 branches across the country.

6. Loan Deposit

LoanDepot is one of the largest mortgage lenders in the country with more than 11,000 employees in more than 200 lending offices across the country. In 2021, LoanDepot had net income of $623.1 million, according to the annual report.

As a full-service mortgage lender, LoanDepot offers a full range of mortgage products, including conventional and FHA mortgages, as well as equity lines of credit.

VA loans include VA cash-out refinancing loans, interest-rate refinancing loans, and purchase loans.

One drawback of LoanDepot is the limited availability of customer service. They are only available Monday through Friday, 5am to 7pm, and Saturdays, 8am to 3pm, always Pacific. They are not there on Sundays.

7. Flagstar Bank

Flagstar Bank is a Michigan-based bank, with offices in the Midwest, but offering mortgages in all 50 states.

Flagstar Bank offers checks, savings, credit cards, health savings accounts, IRAs, auto loans, recreational loans, and online and mobile banking.

It is also a full-service mortgage lender and one of the most prominent mortgage lenders in the country.

Flagstar offers conventional loans, VA and FHA loans, jumbo loans, construction and renovation loans for purchase and refinancing.

Fixed rate VA mortgages range in terms of 10 to 30 years. Adjustable-rate VA loans have an initial fixed-rate term of three and five years (then converted to an adjustable rate of one year).

8. Wells Fargo

Wells Fargo is the third largest bank in the United States. As of the end of 2021, they had sprung up to $205 billion in home loans.

The bank offers all the services you would expect, including checking and savings accounts, credit cards, auto loans, student loans, mortgages, and home equity lines of credit (HELOC).

Wells Fargo lends conventional and FHA loans, as well as VA mortgages. On VA loans, they offer both fixed and adjustable rate loans.

One of the major advantages of Wells Fargo is its size. With over 8,000 branches, it’s easy to start and complete the mortgage application process.

9. PrimeLending

PrimeLending may not be a household name, but it is one of the best mortgage lenders in the country and has an “A+” rating from the Better Business Bureau.

The company is headquartered in Dallas, Texas and has nearly 5,000 employees nationwide.

Prime Lending is strictly a mortgage lender; it offers conventional, jumbo, and FHA mortgages, as well as VA mortgages.

PrimeLending offers fixed rate VA mortgages with 15 and 30 year maturities and variable VA rate mortgages. You can also apply for a VA jumbo loan, which can buy you a home for as much as $1 million.

10. Lending Tree

lending tree is different from other lenders on this list. For starters, Lending Tree isn’t even a lender. It is an online loan exchange that offers borrowers the opportunity to obtain financing from a wide variety of lenders.

Just fill in a few questions on the website and Lending Tree will put you in touch with various lenders that can meet your loan needs. This will create competition among lenders, allowing you to choose the one you think is best for you.

Lending Tree can connect you with almost any type of financing, including conventional, FHA and VA loans for purchase and refinancing.




USAA Disclosure: Use of the term “member” or “membership” refers to membership of USAA Membership Services and does not convey any legal or proprietary rights in USAA. Restrictions apply and are subject to change. To join USAA, dissipated military personnel must have received a discharge type of ‘Honorable’. Eligible former family members of USAA members can join USAA. Bank products supplied by USAA Federal Savings Bank, Member FDIC and Equal Housing Lender NMLS ID 401058.

Equal housing options. The Department of Veterans Affairs affirmatively administers the VA Home Loan Program by ensuring that all veterans have an equal opportunity to purchase homes with VA assistance. Federal law requires all participants in the VA Home Loan Program—builders, brokers, and lenders who list homes for sale with VA financing—to adhere to Fair Housing Laws and not discriminate based on race, color, religion, gender disability, family status or national origin of the Veteran.

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