Applications / Mortgage Analytics / Lenders / Georgia / LoanUnited.com
Duluth, GA · Independent non-bank lender · CFPB · 4,203 loans in 2025
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4,203
loans originated, 2025
11,293
applications, 2025
41
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
LoanUnited.com, a non-bank lender from Duluth, Georgia, has built its business on government-backed loans to veterans and grew far faster than its peers in 2025.
Loans guaranteed by the Department of Veterans Affairs (VA) made up 50.4% of its lending, against 7.2% at the typical similar lender (independent non-bank lenders making between half and twice as many loans). Loans insured by the Federal Housing Administration (FHA) took another 38.7%. Conventional loans, two-thirds of the typical peer's book, were only 10.9% of its own. Refinances made up 59.1% of its loans.
It first reported in 2022, with 683 loans. By 2025 it made 4,203. In 2025 alone its loans rose 73%, against 10% for similar lenders and for the market, faster than about nine in ten of its peers.
Its typical rate was 6.00%, against 6.62% at similar lenders, lower than at about nine in ten of them. Only 1.1% of its loans were higher-priced (a rate well above the average for similar loans), against 2.4% for the typical peer.
It lent in 41 states and 315 metros, Texas most of all, yet holds no large share anywhere. Its best showing among its biggest markets is in Virginia Beach-Chesapeake-Norfolk, 46th of 577 lenders with 0.5%. Some 34.9% of its loans were in majority-minority neighborhoods, against 24.6% for the typical peer.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2022–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. LoanUnited.com took 11,293 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 59.1% · Purchase 40.8% · Home improvement 0.0%
VA 50.4% · FHA 38.7% · Conventional 10.9% · of 4,203 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 477 | 11.3% |
| Florida | 416 | 9.9% |
| Georgia | 412 | 9.8% |
| California | 409 | 9.7% |
| Virginia | 330 | 7.9% |
| Arizona | 273 | 6.5% |
| Colorado | 169 | 4.0% |
| North Carolina | 157 | 3.7% |
| Tennessee | 157 | 3.7% |
| Washington | 110 | 2.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Phoenix-Mesa-Chandler | 207 |
| Virginia Beach-Chesapeake-Norfolk | 187 |
| Atlanta-Sandy Springs-Roswell | 182 |
| Houston-Pasadena-The Woodlands | 136 |
| Riverside-San Bernardino-Ontario | 129 |
| Colorado Springs | 68 |
| San Diego-Chula Vista-Carlsbad | 60 |
| Jacksonville | 57 |
| Tampa | 57 |
| Arlington-Alexandria-Reston | 52 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300PL267CW8182203 | 2022–2025 |
Established 29 June 2018. Reported under HMDA 2022-2025.
Mergers, name changes, data editions and corrections: LoanUnited.com's data.
LoanUnited.com's data
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LoanUnited.com and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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