Which states are underusing VA loans?
Montana, North Dakota, Washington, Louisiana, Hawaii, Ohio, Oregon, Iowa
VA Loan Usage Gap Report
Median FY2025 adoption is about 25 VA loans per 1,000 veterans. States below that line may benefit from more education—not necessarily different eligibility.
Report summary
Median FY2025 adoption is about 25 VA loans per 1,000 veterans. States below that line may benefit from more education—not necessarily different eligibility.
Last reviewed: June 2026
Reviewed by Jeff Newton, Mortgage Loan Manager, National VA Loans
How to use this report
- Below median: Your state appears in the underused list. Run COE and pre-qualification early—many eligible veterans never compare VA against conventional.
- Above median: Your state has high adoption. Competition for well-priced homes may be higher—pre-qualification and inspection discipline matter.
Methodology notes
- Loans per veteran is a planning ratio, not a credit score.
- Population estimates change with each ACS release.
Figures summarize VA Home Loans Loan Volume by State/County/Lender reporting, the VA Annual Benefits Report (Loan Guaranty), and Census-based veteran population estimates. Data describe VA-guaranteed market activity and do not represent loans originated by National VA Loans.
Official sources
Report FAQs
Why You Can Trust This Guidance
VA lender powered by Stride Bank, N.A. · NMLS #466690.
Educational content is reviewed for clarity and lending context; personalized eligibility requires borrower-specific review.
National VA Loans is not affiliated with the Department of Veterans Affairs or any government agency.
Last reviewed: June 2026
Helpful Sources and Related Guides
Related VA Loan Usage Gap Report pages
These links stay on the same topic. Sitewide calculators and guides are listed below.