Lender in Michigan · HMDA 2025
Veterans United Home Loans mortgages in Michigan
Veterans United Home Loans's 2025 home-purchase and refinance lending in Michigan, compared with all lenders in the state.
Veterans United Home Loans originated 2,181 owner-occupied single-family loans in Michigan from 3,117 completed applications, making it the state's #9 lender by volume.
Its median conventional purchase loan costs were $3,840 versus $4,140 for all Michigan lenders, at a median 30-year fixed rate of 6.625% (Michigan: 6.625%).
Loans in MI
2,181
of 3,117 applications
Denial rate
10.8%
Purchase · MI 7.8%
Rate spread
+0.34 pts
Conv. · MI +0.23 pts
Loan amount
$245,000
Purchase · MI $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 2,037 | 1,801 | 10.8% | 6.625% | +0.34 pts | $3,840 | $245,000 |
| Refinance | 451 | 245 | 43.9% | — | — | — | $275,000 |
| Cash-out refinance | 629 | 135 | 78.2% | — | — | — | $215,000 |
*Conventional loans only; medians with at least 20 loans.
Michigan counties where Veterans United Home Loans ranks in the top 25
Showing the 30 counties where it ranks highest, of 80.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Delta County | 2 | 23 | 12.3% |
| Presque Isle County | 2 | 8 | 9.4% |
| Mackinac County | 2 | 6 | 10.5% |
| Alger County | 2 | 5 | 10.4% |
| Chippewa County | 3 | 20 | 9.5% |
| Iosco County | 3 | 14 | 4.8% |
| Alcona County | 3 | 8 | 6.5% |
| Baraga County | 3 | 5 | 9.8% |
| Luce County | 3 | 5 | 13.2% |
| Ontonagon County | 3 | 5 | 8.9% |
| Schoolcraft County | 3 | 4 | 9.8% |
| Gladwin County | 4 | 16 | 4.6% |
| Dickinson County | 4 | 13 | 5.7% |
| Arenac County | 4 | 8 | 5.0% |
| Cheboygan County | 4 | 8 | 3.6% |
| Barry County | 5 | 29 | 3.2% |
| Clare County | 5 | 22 | 5.2% |
| Roscommon County | 5 | 19 | 5.2% |
| Houghton County | 5 | 14 | 4.3% |
| Montmorency County | 5 | 11 | 7.6% |
| Alpena County | 5 | 10 | 4.6% |
| Ogemaw County | 5 | 10 | 4.4% |
| Oscoda County | 5 | 4 | 4.3% |
| Iron County | 5 | 3 | 2.1% |
| Calhoun County | 6 | 68 | 3.7% |
| Manistee County | 6 | 14 | 5.2% |
| Osceola County | 6 | 10 | 4.4% |
| Gogebic County | 6 | 9 | 5.5% |
| Kalkaska County | 6 | 7 | 3.0% |
| Crawford County | 6 | 6 | 3.4% |
- Veterans United Home Loans nationwide
- Michigan 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 California
- Veterans United Home Loans in Alabama
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology