Veterans United Home Loans NMLS #1907
Active Matched with at least one FreeRateUpdate rate shopper in the last 180 days
At a glance
- Size82,764 home loans closed in 2025
- Loan typesVA, Conventional and FHA
2025 figures are for MORTGAGE RESEARCH CENTER, LLC's filing.
What it closes
Share of its 2025 home loans: 92% VA, 5% Conventional, 3% FHA and 0% Other types.
Ask Hope Anything About Mortgage & Home Equity!
Hope could not take that just now. Your question is still in the box.
Hope is AI and can make mistakes. Please double-check responses. About Hope * Advertising Disclosure
Who is Veterans United Home Loans?
Veterans United Home Loans is a brand of Mortgage Research Center (NMLS #1907), which is a lender listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Key Facts
- Lender or brokerVeterans United Home Loans
- Brand ofMortgage Research Center, NMLS #1907
- NMLS #1907
- Profile updated
- Biography reviewed byPaige Sutton, NMLS #1888684 ()
Compare current mortgage rates · Mortgage calculator · All lender profiles
About Veterans United Home Loans
Overview
Mortgage Research Center is a mortgage company whose business includes mortgage lead technology. It provides lead generation, lead routing, lead sales and marketing services for mortgage businesses.
Mortgage options
In 2025, Mortgage Research Center made conventional, FHA, VA and USDA loans. Its loans that year were for home purchases, refinances and cash-out refinances. It also works with veterans and military borrowers.
Locations
Mortgage Research Center has 42 branches across Alabama, Arizona, California, Colorado, Florida, Georgia, Hawaii, Idaho, Illinois, Kansas, Kentucky, Missouri, Montana, North Carolina, Nebraska, Nevada, Oklahoma, South Carolina, Tennessee, Texas, Virginia and Washington.
Company details and licensing
Mortgage Research Center, LLC is a Missouri limited liability company formed on November 19, 2002. It is headquartered at 1400 Forum Blvd Suite 18 in Columbia, Missouri, and its NMLS company ID is 1907.
It also operates under the trade names Veterans United Home Loans, Paddio and VALoans.com.
Mortgage Research Center is licensed in Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, the District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin and Wyoming.
Verify NMLS #1907 on NMLS Consumer Access
Sources
Sources last checked . These are the outside records this profile was written from. FreeRateUpdate is not affiliated with them, and they have not reviewed, endorsed, or approved FreeRateUpdate or this page.
Formation date and trade names come from NMLS registry records. FreeRateUpdate is not affiliated with NMLS, and NMLS has not reviewed, endorsed, or approved FreeRateUpdate or this page.
Additional information
Reported application outcomes and pricing, 2025
- Filed asMORTGAGE RESEARCH CENTER, LLC
- 2025 home loan decisionsOf 116,688 applications decided by MORTGAGE RESEARCH CENTER, LLC in 2025, 82,764 were originated, 1,102 were approved but not accepted by the borrower, and 32,822 were denied.
- Approval rate: approved (originated plus approved but not accepted) as a share of applications decided (approved plus denied) = 71.9%. Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 42,885 applications were withdrawn by the borrower, 18,616 were closed for incompleteness, and 46 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.
- Median rate spread0.25 percentage points below the average prime offer rate (reported on 82,764 originations)
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Reported closing costs, 2025
- Median total loan costs$4,666.15 — originated closed-end household loans, 2025, 82,764 loans. FFIEC HMDA data browser.
- Median origination charges$0.00 — originated closed-end household loans, 2025, 82,764 loans. FFIEC HMDA data browser.
- Median lender credits$605.88 — originated closed-end household loans, 2025, 59,798 of 82,764 loans. FFIEC HMDA data browser.
- About these figuresThese are historical closing costs reported in the 2025 filing, not a quote for your loan.
Reported product mix, 2025
- Loan types3,922 Conventional, 2,629 FHA, 76,057 VA, 156 USDA — of 82,764 reported originations, 2025. FFIEC HMDA data browser.
Evidence read October 20, 2026
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for MORTGAGE RESEARCH CENTER, LLC — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.
Frequently Asked Questions
What is Veterans United Home Loans's NMLS number?
Veterans United Home Loans's NMLS number is 1907. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Where can I learn more about Veterans United Home Loans?
This page has Veterans United Home Loans's NMLS registration and company facts, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.