Of the 40 states and the District of Columbia where we are licensed, Alaska had the largest share of VA home purchase loans in 2025: about 29.4 out of every 100 first-lien home purchase loans for a principal residence originated there were VA loans, against about 11.0 nationally. Hawaii (27.2) and Virginia (22.6) come next. Massachusetts (3.9), New Jersey (4.2) and Connecticut (4.9) are the smallest three. The study is written for veterans, service members and their families who are thinking about buying a home.
What the data covers, and what it does not
HMDA, the Home Mortgage Disclosure Act, requires covered lenders to report their mortgage loans to the federal government. The Consumer Financial Protection Bureau publishes the result. It has limits:
- Lenders that report. A lender reports when it meets the size tests in Regulation C. One test is at least 25 closed-end mortgage loans in each of the two preceding calendar years. Loans from lenders below the tests are not here.
- Loan type is as reported. The lender records one of four loan types: conventional, FHA, VA, or USDA Rural Housing Service or Farm Service Agency. VA is loan type 3.
- First liens on a principal residence. The study counts home purchase loans secured by a first lien on a home the borrower lives in. Nationally, 582,829 second liens and loans for a second residence or investment property are left out. Counting closed-end loans that are not reverse mortgages, the national figure is about 11.3 and the first three are the same.
- It does not say who served. The data record the loan type that was made. A record does not say whether the borrower is a veteran, a service member or a surviving spouse.
The table: 40 states and the District of Columbia
The second column counts VA loans out of every 100 first-lien home purchase loans for a principal residence originated in the state in 2025.
| State | VA loans out of every 100 home purchase loans | VA home purchase loans | All home purchase loans counted |
|---|---|---|---|
| Alaska | 29.4 | 2,013 | 6,841 |
| Hawaii | 27.2 | 2,073 | 7,621 |
| Virginia | 22.6 | 20,153 | 89,292 |
| Alabama | 16.3 | 8,553 | 52,507 |
| New Mexico | 16.2 | 2,899 | 17,895 |
| South Carolina | 16.0 | 11,573 | 72,449 |
| Oklahoma | 15.7 | 6,028 | 38,430 |
| North Carolina | 15.7 | 19,407 | 123,858 |
| Montana | 14.9 | 1,426 | 9,574 |
| Nevada | 14.8 | 4,749 | 32,142 |
| Georgia | 14.6 | 15,861 | 108,852 |
| Mississippi | 14.3 | 3,465 | 24,162 |
| Texas | 14.2 | 43,942 | 310,058 |
| Tennessee | 13.5 | 10,285 | 76,408 |
| Maryland | 13.4 | 7,366 | 54,878 |
| Colorado | 13.1 | 9,049 | 68,935 |
| Florida | 13.1 | 30,987 | 237,078 |
| Arizona | 12.5 | 10,103 | 80,538 |
| Arkansas | 12.5 | 3,766 | 30,218 |
| Kansas | 12.1 | 3,424 | 28,303 |
| Idaho | 11.9 | 2,822 | 23,680 |
| Louisiana | 11.7 | 4,140 | 35,309 |
| Washington | 11.3 | 8,256 | 72,945 |
| Delaware | 9.9 | 1,115 | 11,291 |
| Kentucky | 9.8 | 4,236 | 43,218 |
| Oregon | 8.9 | 3,389 | 38,117 |
| New Hampshire | 8.6 | 1,082 | 12,614 |
| District of Columbia | 8.1 | 384 | 4,741 |
| Ohio | 8.0 | 9,156 | 113,909 |
| Utah | 7.6 | 2,798 | 36,751 |
| Indiana | 7.4 | 5,650 | 76,490 |
| Iowa | 7.3 | 2,434 | 33,191 |
| California | 7.2 | 15,336 | 213,282 |
| Wisconsin | 6.4 | 3,523 | 54,759 |
| Illinois | 6.2 | 6,577 | 106,581 |
| Pennsylvania | 6.2 | 6,327 | 102,720 |
| Minnesota | 6.0 | 3,559 | 58,890 |
| Michigan | 6.0 | 5,592 | 93,426 |
| Connecticut | 4.9 | 1,393 | 28,551 |
| New Jersey | 4.2 | 2,744 | 65,065 |
| Massachusetts | 3.9 | 1,967 | 50,872 |
| United States, national figure | 11.0 | 329,425 | 2,993,788 |
Source: Consumer Financial Protection Bureau, HMDA Data Browser, 2025 data, read November 12, 2026, with the state totals read again on November 14, 2026. Ratios worked out by Fidelity Residential.
What the table shows
- The nation. 329,425 of 2,993,788 first-lien home purchase loans for a principal residence originated in 2025 were VA loans, about 11.0 out of every 100. 23 of the 40 states and the District of Columbia are above that figure and 18 are below it.
- Counts. Texas has the most VA home purchase loans, 43,942, then Florida with 30,987 and Virginia with 20,153.
- Veterans and VA loans. Our study of veterans by state counts people from a Census survey; this one counts loans. Alaska and Virginia are in the first three of both tables, and Massachusetts and New Jersey are in the last four of both.
- New Jersey has 2,744 VA home purchase loans of 65,065, 40th, at about 4.2.
How we did this
- Dataset: CFPB HMDA Data Browser, 2025 data, loans originated (action taken 1) for a home purchase (loan purpose 1).
- Filters: first lien (lien status 1) and principal residence (occupancy type 1), all four loan types, counted from each state’s downloaded file; VA is loan type 3.
- Formula: VA loans divided by all loans that pass those filters, times 100. The national figure sums all states and the District of Columbia.
- Check: in every state, the downloaded file holds the same number of loans and the same total loan amount as the aggregation report, and the counts by loan type, lien and occupancy match a separate download made on November 11, 2026.
Open data. The table may be cited with credit to Fidelity Residential and a link to fidresi.com/insights/va-home-purchases-by-state/.
If you served and are thinking about buying
The table says nothing about any loan we offer. Our VA loans page puts it this way: “A VA loan is a mortgage for eligible veterans, service members, Reserve and National Guard members and certain surviving spouses, made by a lender and partly backed by the Department of Veterans Affairs.” VA, not the lender, decides eligibility. Loan programs differ from state to state, and the states in this table are where we are licensed, which says nothing about any one program.
Frequently asked questions
Why does the table show 40 states and the District of Columbia?
Fidelity Residential is licensed in 40 states and the District of Columbia, and the table covers those.
What counts as a VA loan here?
Loan type 3 as the lender reported it: a loan backed in part by the Department of Veterans Affairs.
Why is there no margin of error?
HMDA is a report of loans by the lenders that file, not a survey sample, so each figure is a count. Our veterans study uses a Census survey, so it shows margins of error.
Sources
- Consumer Financial Protection Bureau, FFIEC, HMDA Data Browser API documentation (opens in a new tab), accessed November 14, 2026.
- Consumer Financial Protection Bureau, FFIEC, HMDA Data Browser, 2025 data (home purchase loans originated, by state) (opens in a new tab), accessed November 14, 2026.
- Consumer Financial Protection Bureau, FFIEC, HMDA loan/application register (LAR) data fields: action_taken, loan_purpose, loan_type, lien_status, occupancy_type, open-end_line_of_credit, reverse_mortgage (opens in a new tab), accessed November 14, 2026.
- Consumer Financial Protection Bureau, Regulation C, 12 CFR 1003.2 (definitions, including financial institution) (opens in a new tab), accessed November 10, 2026.
Facts from these sources are stated in our own words. Last reviewed .
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