Veterans United Home Loans Review
See how often this lender's Bankrate auction price beats comparable loans from 2025.
Bankrate verified lender
This lender is a Bankrate Auction Participant, meaning we verify their offer authenticity and hold them to high standards to ensure you get the best possible rate offer.
How Bankrate scores Veterans United Home Loans
- Price competitiveness
How often this lender's borrowers pay at or below the typical price for a comparable loan.
5 out of 5 - Amount of overpayment
How much extra borrowers ended up paying with this lender compared to the best price for a comparable loan. A higher percentile score is always better.
5 out of 5 - Customer complaints
How often consumers complain about this lender, and whether they get relief.
9%3 out of 5 - Where and what they lend
How many states and loan types this lender serves.
100%5 out of 5
No lender can pay for a higher Bankrate Rating. Every score comes from the same data and criteria.
2025 ratings, across all four measures
A few more details worth knowing
Though these don't affect the star rating, we show them so you have the full picture.
For applicants age 62 and older, we measure two things: whether this lender denies them more often than its own lending patterns would predict after accounting for loan size, income, debt-to-income ratio, and loan type; and whether it lends to them at rates similar to comparable lenders. One of those two measures fell outside the expected range. Credit scores are not available in this dataset, so they are not included in the analysis. Because that variable is held constant across all lenders, it should reduce the extent to which missing credit-score data affects comparisons between them.
We looked at how often a lender's applications end up as closed loans, not counting any that were denied or the applicant withdrew. At this lender, fewer than 90% did, which might mean quoted terms changed before closing, applicants stepped away, or both.
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What Bankrate's editors think
If you’re considering a VA loan, you’ve likely already heard of Veterans United. It’s originated more VA purchase loans than any other lender in the country every year since 2016, and the vast majority of its business is VA loans. It offers varieties other lenders don’t, including VA cash-out refinances and energy-efficient mortgages, and you’ll struggle to find these programs even at other VA lenders. It also runs 24/7 customer service, a meaningful convenience for service members stationed overseas.
Veterans United earned a 5-star Bankrate Rating and a 3-star Overall Rating. That means the bids it wins through Bankrate’s auction are priced aggressively, but its broader market pricing is middle of the pack. In fact, only about 44% of its total mortgage originations were priced below comparable loans in 2025. It has a low volume of origination-related complaints with the CFPB, but none were resolved in the borrower’s favor. Close to 1 in 5 approved loans here don’t make it to closing, a poor result. While closing can fall through for reasons beyond a lender’s control, such as an applicant walking away, it’s still worth understanding Veterans United’s closing process before you sign any paperwork.
The lender is also facing a class-action lawsuit, filed in February 2026, that accuses it of steering borrowers into costlier, higher-rate loans through an undisclosed referral arrangement with real estate agents. In August 2026, the judge dismissed most of the claims and nearly all of the named borrowers, but let narrower kickback claims move forward for a handful of plaintiffs. Veterans United denies wrongdoing. If you’re considering Veterans United, get quotes from at least two other lenders so you can compare what they’re offering.
At a glance
Good for veterans and military families who want the nation’s top-volume VA lender, at the top of the rankings for origination volume every year since 2016. Not a good fit if you want the lowest possible price or are shopping loan types outside VA, since its overall pricing runs about average and it doesn’t disclose non-VA rates.
What consumers say
Summary: Veterans United Home Loans reviewers most frequently describe a reachable team and loan officers who explain each step and remain available. A smaller but still sizable group also cite coordination among the loan officer, processor, and underwriter, seldom reporting inconsistent information. Few other complaints recur.
Excellent
I have a home and refinanced it about a year ago. Thank you and the loan is through your company! I am more than happy to express my thanks to your company!!
Carl B. · 239 Elston Rd. , Lafayette Indiana
Quick and easy
Very easy process and no waiting around
David S. · Fayetteville
Blessed
I honestly cannot say enough amazing things about Drew! My wife and I were going through a military PCS move, and with such a limited amount of time to get everything figured out, buying a home could have easily been one of the most stressful experiences we've faced. Thankfully, having Drew as our mortgage loan officer made the entire process so much easier than we ever could have imagined.From the very beginning, Drew was incredibly professional, knowledgeable, patient, and dedicated to helping us. He took the time to answer our questions, explain everything clearly, and make sure we understood each step of the process. We never felt like we were just another loan application. He genuinely made us feel like helping our family was a priority.What impressed us the most was how quickly everything came together, especially considering the tight timeline we were working with because of my military relocation. Having someone who understands the importance of getting things done efficiently while still making sure everything is handled correctly made an incredible difference.Buying a home is a huge milestone, especially for my wife and me as we begin this new chapter of our lives, and we couldn't be more grateful for the role Drew played in making it happen.If you're looking for a mortgage loan officer who is dependable, hardworking, communicates well, and genuinely cares about the people he's helping, I cannot recommend Drew enough!Thank you again, Drew, for everything you did for my wife and me. We truly appreciate all your hard work and dedication. You helped turn what could have been an overwhelming experience into an exciting and memorable one, and we couldn't have asked for anyone better to help us through it!
Davis · Newport News, VA
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Figures are drawn from public lending and complaint data and weighted by loan volume.
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