Lender in North Carolina · HMDA 2025
Veterans United Home Loans mortgages in North Carolina
Veterans United Home Loans's 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
Veterans United Home Loans originated 4,374 owner-occupied single-family loans in North Carolina from 6,066 completed applications, making it the state's #7 lender by volume.
Its median conventional purchase loan costs were $2,680 versus $4,840 for all North Carolina lenders, at a median 30-year fixed rate of 6.625% (North Carolina: 6.50%).
Loans in NC
4,374
of 6,066 applications
Denial rate
7.6%
Purchase · NC 7.6%
Rate spread
+0.15 pts
Conv. · NC +0.04 pts
Loan amount
$295,000
Purchase · NC $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 3,865 | 3,530 | 7.6% | 6.625% | +0.15 pts | $2,680 | $295,000 |
| Refinance | 1,248 | 635 | 47.1% | — | — | — | $305,000 |
| Cash-out refinance | 953 | 209 | 77.2% | — | — | — | $285,000 |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where Veterans United Home Loans ranks in the top 25
Showing the 30 counties where it ranks highest, of 94.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Cumberland County | 1 | 731 | 12.3% |
| Onslow County | 1 | 534 | 10.2% |
| Hoke County | 1 | 180 | 10.4% |
| Pasquotank County | 2 | 65 | 7.8% |
| Robeson County | 2 | 52 | 8.2% |
| Lenoir County | 2 | 37 | 7.3% |
| Warren County | 2 | 9 | 6.5% |
| Harnett County | 3 | 186 | 4.7% |
| Wilkes County | 3 | 20 | 3.5% |
| Hertford County | 3 | 8 | 8.5% |
| Wayne County | 4 | 99 | 6.0% |
| Chowan County | 4 | 13 | 7.5% |
| Graham County | 4 | 6 | 10.2% |
| Bertie County | 4 | 4 | 5.0% |
| Craven County | 5 | 108 | 5.5% |
| Beaufort County | 5 | 17 | 3.9% |
| Camden County | 5 | 17 | 6.2% |
| Edgecombe County | 5 | 15 | 4.5% |
| Vance County | 5 | 13 | 4.3% |
| Macon County | 5 | 12 | 2.7% |
| Halifax County | 5 | 11 | 4.5% |
| Alleghany County | 5 | 5 | 3.9% |
| Mitchell County | 5 | 5 | 3.6% |
| Washington County | 5 | 5 | 7.9% |
| Stanly County | 6 | 32 | 2.8% |
| Wilson County | 6 | 29 | 3.0% |
| Burke County | 6 | 28 | 2.8% |
| Rutherford County | 6 | 24 | 3.5% |
| McDowell County | 6 | 19 | 4.2% |
| Richmond County | 6 | 14 | 4.3% |
- Veterans United Home Loans nationwide
- North Carolina 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 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
- Veterans United Home Loans in Indiana
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology