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Homeownership, Military Service, and the Importance of VA Mortgages

The US military has helped level homeownership opportunities between whites and people of color, and Veterans Affairs (VA) mortgages are an important contributing factor. In this Data Talk, researchers will present demographics of homeownership, comparing US military veterans with nonveterans. They will also explore the use of VA mortgages, showing that the strongest concentration in VA mortgage origination is around large military installations, particularly in the South, even after controlling for the number of veterans and active service members in the area. Researchers will also assess who uses the VA mortgage program, examining service members’ home loan choices by credit score and differences in median loan amounts, as well as short-run delinquency outcomes for service members compared with non–service members.


  • Jung Hyun Choi, Research Associate, Housing Finance Policy Center, Urban Institute 
  • Lauren Lambie-Hanson, Principal Financial Economist, Supervision, Regulation, and Credit Department, Federal Reserve Bank of Philadelphia
  • Patrick Lapid, Economist, Office of Research, Consumer Financial Protection Bureau
  • Sarah Strochak, Research Analyst, Housing Finance Policy Center, Urban Institute
  • Todd M. Hill-Jones, Policy Program Manager, Housing Finance Policy Center, Urban Institute (moderator)
Event materials


Registration and lunch will be available at 12:00 p.m. Please contact [email protected] with questions regarding this event.


Date & Time Tuesday, November 12, 2019
Urban Institute 500 L'Enfant Plaza SW
Washington , DC , 20024
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  • Principal Research Associate