Lender in Virginia · HMDA 2025
Veterans United Home Loans mortgages in Virginia
Veterans United Home Loans's 2025 home-purchase and refinance lending in Virginia, compared with all lenders in the state.
Veterans United Home Loans originated 4,375 owner-occupied single-family loans in Virginia from 5,842 completed applications, making it the state's #3 lender by volume.
Its median conventional purchase loan costs were $3,040 versus $5,610 for all Virginia lenders, at a median 30-year fixed rate of 6.75% (Virginia: 6.625%).
Loans in VA
4,375
of 5,842 applications
Denial rate
7.1%
Purchase · VA 6.9%
Rate spread
+0.21 pts
Conv. · VA +0.10 pts
Loan amount
$365,000
Purchase · VA $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 3,916 | 3,608 | 7.1% | 6.750% | +0.21 pts | $3,040 | $365,000 |
| Refinance | 1,174 | 602 | 47.5% | — | — | — | $345,000 |
| Cash-out refinance | 752 | 165 | 77.5% | — | — | — | $345,000 |
*Conventional loans only; medians with at least 20 loans.
Virginia counties where Veterans United Home Loans ranks in the top 25
Showing the 30 counties where it ranks highest, of 119.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Hampton city | 1 | 268 | 10.8% |
| Suffolk city | 1 | 221 | 8.9% |
| Portsmouth city | 1 | 211 | 10.3% |
| Petersburg city | 1 | 40 | 8.2% |
| Emporia city | 1 | 5 | 10.6% |
| Chesapeake city | 2 | 388 | 7.8% |
| Norfolk city | 2 | 381 | 10.5% |
| Newport News city | 2 | 219 | 8.8% |
| Appomattox County | 2 | 16 | 6.6% |
| Essex County | 2 | 13 | 8.2% |
| Greensville County | 2 | 6 | 9.2% |
| Bath County | 2 | 3 | 8.1% |
| Norton city | 2 | 3 | 16.7% |
| Virginia Beach city | 3 | 444 | 6.3% |
| Henry County | 3 | 26 | 6.2% |
| Hopewell city | 3 | 25 | 6.2% |
| Westmoreland County | 3 | 24 | 5.3% |
| Amherst County | 3 | 22 | 5.5% |
| Southampton County | 3 | 16 | 6.8% |
| Prince Edward County | 3 | 12 | 5.9% |
| Nottoway County | 3 | 11 | 6.3% |
| Lunenburg County | 3 | 10 | 9.3% |
| Martinsville city | 3 | 9 | 6.0% |
| Halifax County | 4 | 24 | 8.4% |
| Waynesboro city | 4 | 18 | 4.1% |
| Bristol city | 4 | 15 | 6.4% |
| Franklin city | 4 | 11 | 5.9% |
| Lee County | 4 | 9 | 7.0% |
| Sussex County | 4 | 5 | 5.3% |
| Alleghany County | 4 | 4 | 2.6% |
- Veterans United Home Loans nationwide
- Virginia mortgage market
- Veterans United Home Loans in Texas
- Veterans United Home Loans in Florida
- 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
- Veterans United Home Loans in Indiana
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology