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Independent analysis of official mortgage recordsHMDA 2025 · 7,155,718 applications

Lender profile · HMDA 2025

Veterans United Home Loans: 2025 mortgage rates, costs & approvals

How Veterans United Home Loans priced and approved home loans in 2025, measured against every lender in the official HMDA records.

HMDA legal name: Mortgage Research Center, LLC · LEI 549300DD5QQUHO6PCH70 · veteransunited.com is operated by Mortgage Research Center, LLC, NMLS #1907 (site footer) (source 1)

In 2025, Veterans United Home Loans originated 78,558 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 51 states — 4th by volume among the 2,017 lenders profiled here.

On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was 11 basis points above the national median. Median conventional loan costs were $3,170, 43% lower than the national median ($5,570).

It denied 8.9% of completed home-purchase applications (all lenders: 8.5%).

Loans
78,558
of 110,402 applications
Denial rate
8.9%
Purchase · all 8.5%
30-yr fixed rate
6.625%
Conv. · all 6.625%
Loan costs
$3,170
Conv. · all $5,570
Loan amount
$305,000
Purchase · all $335,000
Borrower income
$97,000
Purchase · all $116,000

How Veterans United Home Loans priced home-purchase loans

Purchase loans, 2025Veterans United Home LoansAll lenders
30-year fixed rate · conventional6.625%6.625%
30-year fixed rate · FHA6.625%6.250%
30-year fixed rate · VA6.250%6.125%
15-year fixed rate · conventional6.500%5.875%
Rate spread vs. APOR · conventional+0.24 pts+0.13 pts
Total loan costs · conventional$3,170$5,570
Total loan costs · FHA$5,770$11,310
Total loan costs · VA$4,770$6,490
Origination charges (all types)$0$1,860
Borrowers paying discount points60.2%51.3%
Points paid, when paid (% of loan)0.41%0.87%
Borrowers receiving lender credits71.5%33.1%

Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.

Loan mix and borrowers

By loan type

Conventional 3.4% 2,677
FHA 3.1% 2,450
VA 93.3% 73,278
USDA 0.2% 153

By purpose

Home purchase 82.3% 64,616
Refinance 12.9% 10,161
Cash-out refinance 4.8% 3,781
Home value
$315,000
Median, purchase loans
Down payment
14.5%
All lenders 10%
Refi rate
5.99%
30-yr fixed, conventional
Refi denial rate
51.0%
Cash-out 77.9%

Why Veterans United Home Loans denied purchase applications

Credit history 27.8% 1,784
Credit application incomplete 23.1% 1,482
Debt-to-income ratio 18.6% 1,192
Other 14.6% 934
Collateral (appraisal/property) 8.1% 521
Employment history 4.4% 285
Insufficient cash (down payment/closing costs) 3.3% 213

First reason the lender reported for each denied home-purchase application.

Where Veterans United Home Loans lends

StateLoansApplicationsPurchase denial rate30-yr rate*Loan costs*
Texas6,6639,1239.4%6.375%$4,350
Florida5,1418,00710.5%6.625%$4,550
Virginia4,3755,8427.1%6.750%$3,040
North Carolina4,3746,0667.6%6.625%$2,680
Georgia3,9135,7409.3%6.625%$1,800
Ohio3,1694,4229.7%6.750%$3,360
Tennessee2,9454,0177.6%6.500%$940
Illinois2,8993,8529.5%6.625%$3,330
Missouri2,7503,6379.4%6.625%$2,460
Pennsylvania2,5343,6089.3%6.750%$4,520
California2,4113,7288.7%6.625%$3,680
Alabama2,3553,2589.0%6.750%$1,480
Indiana2,2033,0939.6%6.750%$1,730
Michigan2,1813,11710.8%6.625%$3,840
South Carolina2,1653,1059.1%6.750%$3,350
Oklahoma1,8092,5448.8%6.750%$2,270
Wisconsin1,6792,1758.9%6.625%$4,230
Kentucky1,6522,2688.8%6.750%$2,110
Washington1,4232,0006.6%6.500%$2,140
Maryland1,3882,03810.1%6.500%$4,770
Arizona1,3832,0336.5%6.500%$2,640
Kansas1,2621,6246.9%6.625%$2,410
Colorado1,2481,8807.5%6.625%$1,620
Arkansas1,1711,65111.3%6.625%$1,650
Mississippi1,1611,65910.1%6.875%$2,710
Minnesota1,1061,5008.3%6.375%$3,790
Louisiana1,0251,55512.4%——
Iowa9391,2739.2%6.990%$3,350
Nebraska9271,1336.6%6.750%$2,240
New York8441,17610.1%6.500%$6,390
Nevada8351,2188.9%——
New Jersey8341,28911.2%——
New Mexico7569966.4%6.625%$2,640
Oregon7491,0788.2%——
West Virginia7149849.1%——
Massachusetts62291311.4%—$5,700
Connecticut5727978.2%6.625%$6,200
Idaho4826928.7%——
Maine4666389.9%——
Alaska4405555.3%——
Utah4316166.4%——
Montana4225757.7%——
New Hampshire3675089.5%——
Hawaii3644582.6%——
South Dakota2913889.3%——
North Dakota2653326.5%——
Wyoming2633599.2%——
Delaware20332110.6%——
Rhode Island1762598.8%——
Vermont1482038.2%——
District of Columbia639911.4%——

*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Veterans United Home Loans's page for that state.

Counties where Veterans United Home Loans is a top lender

CountyRankLoansMarket share
Mellette County, SD11100.0%
Banner County, NE2150.0%
Keya Paha County, NE2150.0%
Jackson County, SD1150.0%
Golden Valley County, MT1233.3%
Eureka County, NV2133.3%
Stonewall County, TX3133.3%
Jewell County, KS1330.0%
Yukon-Koyukuk Census Area, AK3125.0%
Jones County, SD3125.0%
Aleutians West Census Area, AK2222.2%
Kiowa County, KS2222.2%
Geary County, KS114222.2%
Lincoln County, KS2220.0%
Baker County, GA3120.0%

Check Veterans United Home Loans yourself

This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.

Lenders of similar size

Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology