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HMDA Data Answers

VA Loan Mastery Jun 22, 2026

Are VA Loans Denied More Often? The 2025 Data Says Otherwise

The claim that VA loans are riskier or denied at higher rates is one of the most damaging myths in real estate. Federal HMDA data from 2025 shows VA loans have the lowest denial rate of any mortgage type - and it has been that way every year since 2018.

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