Best VA loan lenders in Somerset County, NJ
VA loans offer eligible veterans and service members zero down and no PMI. Lender experience with VA files varies widely. Based on 682 VA home-purchase decisions in Somerset County reported to the federal government, 2018–2025 — ranked by how often each lender actually approved, adjusted for sample size.
For VA buyers in Somerset County, lenders approved 86.5% — 6 points below the 92% all-buyer average in the county.
Top lenders for VA buyers in Somerset 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 | 87.2% | 156 | 20 | +0.05 pp |
| United Wholesale Mortgage Pontiac, MI | 88.0% | 25 | 3 | -0.42 pp |
| Navy Federal Credit Union Vienna, VA | 81.0% | 63 | 12 | -0.47 pp |
| Usaa Federal Savings Bank San Antonio, TX | 77.4% | 62 | 14 | -0.02 pp |
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Source: CFPB HMDA data, 2018–2025 · first-lien home-purchase mortgages on 1–4 family homes, VA buyers in Somerset County, NJ. Rankings describe past approval behavior, not a prediction for your loan. Methodology →