Lender in California · HMDA 2025
Veterans United Home Loans mortgages in California
Veterans United Home Loans's 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
Veterans United Home Loans originated 2,411 owner-occupied single-family loans in California from 3,728 completed applications.
Its median conventional purchase loan costs were $3,680 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.625% (California: 6.625%).
Loans in CA
2,411
of 3,728 applications
Denial rate
8.7%
Purchase · CA 8.9%
Rate spread
+0.19 pts
Conv. · CA +0.09 pts
Loan amount
$515,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 2,110 | 1,903 | 8.7% | 6.625% | +0.19 pts | $3,680 | $515,000 |
| Refinance | 909 | 395 | 54.9% | 5.875% | −0.45 pts | $1,220 | $485,000 |
| Cash-out refinance | 709 | 113 | 83.6% | — | — | — | $435,000 |
*Conventional loans only; medians with at least 20 loans.
California counties where Veterans United Home Loans ranks in the top 25
Showing the 30 counties where it ranks highest, of 34.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Lake County | 5 | 18 | 3.1% |
| Mariposa County | 5 | 5 | 3.5% |
| Kings County | 6 | 63 | 3.9% |
| Siskiyou County | 7 | 13 | 3.5% |
| Lassen County | 7 | 10 | 4.1% |
| Humboldt County | 10 | 12 | 1.4% |
| Modoc County | 10 | 1 | 2.3% |
| Mendocino County | 11 | 12 | 2.4% |
| Colusa County | 11 | 3 | 2.0% |
| Trinity County | 11 | 2 | 2.4% |
| Yuba County | 12 | 31 | 2.3% |
| Amador County | 12 | 10 | 2.0% |
| Solano County | 13 | 78 | 1.6% |
| Calaveras County | 13 | 9 | 1.5% |
| Fresno County | 14 | 103 | 1.3% |
| Butte County | 15 | 31 | 1.6% |
| Shasta County | 15 | 31 | 1.6% |
| Sutter County | 15 | 11 | 1.4% |
| Glenn County | 15 | 3 | 1.5% |
| Del Norte County | 15 | 2 | 1.2% |
| San Diego County | 16 | 373 | 1.3% |
| Kern County | 16 | 132 | 1.5% |
| Tulare County | 17 | 59 | 1.4% |
| Tehama County | 17 | 8 | 1.6% |
| Riverside County | 18 | 312 | 1.1% |
| Nevada County | 18 | 13 | 1.0% |
| San Bernardino County | 19 | 206 | 1.0% |
| El Dorado County | 20 | 25 | 1.0% |
| Madera County | 20 | 19 | 0.8% |
| Imperial County | 21 | 10 | 0.9% |
- Veterans United Home Loans nationwide
- California mortgage market
- Veterans United Home Loans in Texas
- Veterans United Home Loans in Florida
- Veterans United Home Loans in Virginia
- Veterans United Home Loans in North Carolina
- Veterans United Home Loans in Georgia
- Veterans United Home Loans in Ohio
- Veterans United Home Loans in Tennessee
- Veterans United Home Loans in Illinois
- Veterans United Home Loans in Missouri
- Veterans United Home Loans in Pennsylvania
- Veterans United Home Loans in Alabama
- Veterans United Home Loans in Indiana
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology