Best VA loan lenders in Union County, NJ
VA loans offer eligible veterans and service members zero down and no PMI. Lender experience with VA files varies widely. Based on 1,214 VA home-purchase decisions in Union County reported to the federal government, 2018–2025 — ranked by how often each lender actually approved, adjusted for sample size.
For VA buyers in Union County, lenders approved 83.9% — 5 points below the 89% all-buyer average in the county.
Top lenders for VA buyers in Union County
Lenders with 25+ VA buyers decisions here, ranked by a sample-size-adjusted approval rate.
| Lender | Approval | Decisions | Denied | Avg. rate spread |
|---|---|---|---|---|
| Mortgage Research Center Columbia, MO | 88.8% | 268 | 30 | +0.12 pp |
| Guaranteed Rate, Inc. Chicago, IL | 94.1% | 34 | 2 | -0.30 pp |
| Guaranteed Rate Affinity, Llc Chicago, IL | 93.5% | 31 | 2 | -0.37 pp |
| United Wholesale Mortgage Pontiac, MI | 93.3% | 30 | 2 | -0.44 pp |
| Crosscountry Mortgage, Llc Cleveland, OH | 91.4% | 35 | 3 | +0.10 pp |
| Navy Federal Credit Union Vienna, VA | 77.4% | 93 | 21 | -0.44 pp |
| Usaa Federal Savings Bank San Antonio, TX | 66.7% | 99 | 33 | +0.10 pp |
| Wells Fargo Bank Na Minneapolis, MN | 76.0% | 25 | 6 | -0.13 pp |
| Rocket Mortgage Detroit, MI | 70.6% | 34 | 10 | -0.19 pp |
Why VA buyers were denied here
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Source: CFPB HMDA data, 2018–2025 · first-lien home-purchase mortgages on 1–4 family homes, VA buyers in Union County, NJ. Rankings describe past approval behavior, not a prediction for your loan. Methodology →