Veterans United Home Loans: 2025 mortgage rates, costs & approvals
How Veterans United Home Loans priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Mortgage Research Center, LLC · LEI 549300DD5QQUHO6PCH70 · veteransunited.com is operated by Mortgage Research Center, LLC, NMLS #1907 (site footer) (source 1)
In 2025, Veterans United Home Loans originated 78,558 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 51 states — 4th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was 11 basis points above the national median. Median conventional loan costs were $3,170, 43% lower than the national median ($5,570).
It denied 8.9% of completed home-purchase applications (all lenders: 8.5%).
How Veterans United Home Loans priced home-purchase loans
| Purchase loans, 2025 | Veterans United Home Loans | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 6.625% | 6.250% |
| 30-year fixed rate · VA | 6.250% | 6.125% |
| 15-year fixed rate · conventional | 6.500% | 5.875% |
| Rate spread vs. APOR · conventional | +0.24 pts | +0.13 pts |
| Total loan costs · conventional | $3,170 | $5,570 |
| Total loan costs · FHA | $5,770 | $11,310 |
| Total loan costs · VA | $4,770 | $6,490 |
| Origination charges (all types) | $0 | $1,860 |
| Borrowers paying discount points | 60.2% | 51.3% |
| Points paid, when paid (% of loan) | 0.41% | 0.87% |
| Borrowers receiving lender credits | 71.5% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Veterans United Home Loans denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Veterans United Home Loans lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Texas | 6,663 | 9,123 | 9.4% | 6.375% | $4,350 |
| Florida | 5,141 | 8,007 | 10.5% | 6.625% | $4,550 |
| Virginia | 4,375 | 5,842 | 7.1% | 6.750% | $3,040 |
| North Carolina | 4,374 | 6,066 | 7.6% | 6.625% | $2,680 |
| Georgia | 3,913 | 5,740 | 9.3% | 6.625% | $1,800 |
| Ohio | 3,169 | 4,422 | 9.7% | 6.750% | $3,360 |
| Tennessee | 2,945 | 4,017 | 7.6% | 6.500% | $940 |
| Illinois | 2,899 | 3,852 | 9.5% | 6.625% | $3,330 |
| Missouri | 2,750 | 3,637 | 9.4% | 6.625% | $2,460 |
| Pennsylvania | 2,534 | 3,608 | 9.3% | 6.750% | $4,520 |
| California | 2,411 | 3,728 | 8.7% | 6.625% | $3,680 |
| Alabama | 2,355 | 3,258 | 9.0% | 6.750% | $1,480 |
| Indiana | 2,203 | 3,093 | 9.6% | 6.750% | $1,730 |
| Michigan | 2,181 | 3,117 | 10.8% | 6.625% | $3,840 |
| South Carolina | 2,165 | 3,105 | 9.1% | 6.750% | $3,350 |
| Oklahoma | 1,809 | 2,544 | 8.8% | 6.750% | $2,270 |
| Wisconsin | 1,679 | 2,175 | 8.9% | 6.625% | $4,230 |
| Kentucky | 1,652 | 2,268 | 8.8% | 6.750% | $2,110 |
| Washington | 1,423 | 2,000 | 6.6% | 6.500% | $2,140 |
| Maryland | 1,388 | 2,038 | 10.1% | 6.500% | $4,770 |
| Arizona | 1,383 | 2,033 | 6.5% | 6.500% | $2,640 |
| Kansas | 1,262 | 1,624 | 6.9% | 6.625% | $2,410 |
| Colorado | 1,248 | 1,880 | 7.5% | 6.625% | $1,620 |
| Arkansas | 1,171 | 1,651 | 11.3% | 6.625% | $1,650 |
| Mississippi | 1,161 | 1,659 | 10.1% | 6.875% | $2,710 |
| Minnesota | 1,106 | 1,500 | 8.3% | 6.375% | $3,790 |
| Louisiana | 1,025 | 1,555 | 12.4% | — | — |
| Iowa | 939 | 1,273 | 9.2% | 6.990% | $3,350 |
| Nebraska | 927 | 1,133 | 6.6% | 6.750% | $2,240 |
| New York | 844 | 1,176 | 10.1% | 6.500% | $6,390 |
| Nevada | 835 | 1,218 | 8.9% | — | — |
| New Jersey | 834 | 1,289 | 11.2% | — | — |
| New Mexico | 756 | 996 | 6.4% | 6.625% | $2,640 |
| Oregon | 749 | 1,078 | 8.2% | — | — |
| West Virginia | 714 | 984 | 9.1% | — | — |
| Massachusetts | 622 | 913 | 11.4% | — | $5,700 |
| Connecticut | 572 | 797 | 8.2% | 6.625% | $6,200 |
| Idaho | 482 | 692 | 8.7% | — | — |
| Maine | 466 | 638 | 9.9% | — | — |
| Alaska | 440 | 555 | 5.3% | — | — |
| Utah | 431 | 616 | 6.4% | — | — |
| Montana | 422 | 575 | 7.7% | — | — |
| New Hampshire | 367 | 508 | 9.5% | — | — |
| Hawaii | 364 | 458 | 2.6% | — | — |
| South Dakota | 291 | 388 | 9.3% | — | — |
| North Dakota | 265 | 332 | 6.5% | — | — |
| Wyoming | 263 | 359 | 9.2% | — | — |
| Delaware | 203 | 321 | 10.6% | — | — |
| Rhode Island | 176 | 259 | 8.8% | — | — |
| Vermont | 148 | 203 | 8.2% | — | — |
| District of Columbia | 63 | 99 | 11.4% | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Veterans United Home Loans's page for that state.
Counties where Veterans United Home Loans is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Mellette County, SD | 1 | 1 | 100.0% |
| Banner County, NE | 2 | 1 | 50.0% |
| Keya Paha County, NE | 2 | 1 | 50.0% |
| Jackson County, SD | 1 | 1 | 50.0% |
| Golden Valley County, MT | 1 | 2 | 33.3% |
| Eureka County, NV | 2 | 1 | 33.3% |
| Stonewall County, TX | 3 | 1 | 33.3% |
| Jewell County, KS | 1 | 3 | 30.0% |
| Yukon-Koyukuk Census Area, AK | 3 | 1 | 25.0% |
| Jones County, SD | 3 | 1 | 25.0% |
| Aleutians West Census Area, AK | 2 | 2 | 22.2% |
| Kiowa County, KS | 2 | 2 | 22.2% |
| Geary County, KS | 1 | 142 | 22.2% |
| Lincoln County, KS | 2 | 2 | 20.0% |
| Baker County, GA | 3 | 1 | 20.0% |
Check Veterans United Home Loans yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300DD5QQUHO6PCH70.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Veterans United Home Loans with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology