Lender in New York · HMDA 2025
Veterans United Home Loans mortgages in New York
Veterans United Home Loans's 2025 home-purchase and refinance lending in New York, compared with all lenders in the state.
Veterans United Home Loans originated 844 owner-occupied single-family loans in New York from 1,176 completed applications.
Its median conventional purchase loan costs were $6,390 versus $5,990 for all New York lenders, at a median 30-year fixed rate of 6.50% (New York: 6.50%).
Loans in NY
844
of 1,176 applications
Denial rate
10.1%
Purchase · NY 9.5%
Rate spread
+0.31 pts
Conv. · NY +0.07 pts
Loan amount
$275,000
Purchase · NY $375,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 905 | 803 | 10.1% | 6.500% | +0.31 pts | $6,390 | $275,000 |
| Refinance | 95 | 10 | 89.5% | — | — | — | — |
| Cash-out refinance | 176 | 31 | 82.4% | — | — | — | $325,000 |
*Conventional loans only; medians with at least 20 loans.
New York counties where Veterans United Home Loans ranks in the top 25
Showing the 30 counties where it ranks highest, of 40.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Jefferson County | 3 | 84 | 7.3% |
| Clinton County | 5 | 19 | 3.8% |
| Allegany County | 6 | 9 | 3.3% |
| St. Lawrence County | 7 | 16 | 3.0% |
| Madison County | 8 | 19 | 3.2% |
| Chenango County | 8 | 8 | 2.6% |
| Franklin County | 8 | 4 | 1.9% |
| Chemung County | 9 | 22 | 2.9% |
| Cattaraugus County | 9 | 14 | 3.0% |
| Washington County | 9 | 13 | 2.2% |
| Delaware County | 9 | 5 | 1.9% |
| Essex County | 9 | 5 | 2.0% |
| Orleans County | 10 | 9 | 2.6% |
| Schoharie County | 10 | 6 | 2.4% |
| Chautauqua County | 11 | 17 | 2.0% |
| Steuben County | 11 | 14 | 1.8% |
| Herkimer County | 11 | 13 | 2.9% |
| Cortland County | 11 | 6 | 1.9% |
| Fulton County | 12 | 7 | 1.6% |
| Yates County | 12 | 3 | 1.7% |
| Wyoming County | 13 | 6 | 1.7% |
| Schenectady County | 15 | 22 | 1.3% |
| Oswego County | 15 | 21 | 2.0% |
| Livingston County | 15 | 5 | 1.1% |
| Broome County | 17 | 20 | 1.5% |
| Ontario County | 18 | 11 | 1.1% |
| Wayne County | 18 | 9 | 1.0% |
| Tompkins County | 18 | 4 | 0.7% |
| Erie County | 19 | 84 | 0.9% |
| Niagara County | 19 | 21 | 1.0% |
- Veterans United Home Loans nationwide
- New York 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