New Jersey · Home purchase

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.

Va approval
83.9%
1,018 of 1,214
Denial rate
16.1%
196 denied
Decisions
1,214
2018–2025

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.

LenderApprovalDecisionsDeniedAvg. rate spread
Mortgage Research Center
Columbia, MO
88.8%26830+0.12 pp
Guaranteed Rate, Inc.
Chicago, IL
94.1%342-0.30 pp
Guaranteed Rate Affinity, Llc
Chicago, IL
93.5%312-0.37 pp
United Wholesale Mortgage
Pontiac, MI
93.3%302-0.44 pp
Crosscountry Mortgage, Llc
Cleveland, OH
91.4%353+0.10 pp
Navy Federal Credit Union
Vienna, VA
77.4%9321-0.44 pp
Usaa Federal Savings Bank
San Antonio, TX
66.7%9933+0.10 pp
Wells Fargo Bank Na
Minneapolis, MN
76.0%256-0.13 pp
Rocket Mortgage
Detroit, MI
70.6%3410-0.19 pp

Why VA buyers were denied here

Debt-to-income ratio37% of denialsCredit history21% of denialsCollateral (value/type)21% of denialsOther18% of denialsIncomplete application11% of denials

See your own odds and pricing

Get a lender shortlist for your exact profile, or check who overcharges borrowers like you.

Approval tool → Overcharge check →

Other buyer situations in Union County

Best FHA lendersBest jumbo lendersBest lenders for high debt-to-income buyersBest low-down-payment lendersBest lenders for lower-income buyersBest investment-property lenders

Best VA lenders in other NJ counties

AtlanticBergenBurlingtonCamdenCape MayCumberlandEssexGloucesterHudsonHunterdonMercerMiddlesexMonmouthMorrisOceanPassaicSalemSomersetSussexWarren

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 →