Veterans United Home Loans Mortgage Review 2026

Veterans United Home Loans overview

Veterans United Home Loans has been in business since 2002 and has closed more VA loans than any other lender for the past nine years. In addition to offering an online application process, the lender operates 24 branches in 17 states, including locations near military bases like Fort Knox, Fort Novosel and Scott Air Force Base.

Pros and cons of Veterans United Home Loans

How Bankrate scored Veterans United Home Loans

Affordability: 5 stars

Veterans United Home Loans scores a perfect 5 out of 5 stars for affordability. The lender typically offers attractive rates, particularly on VA loans.

• Interest rates: The lender’s rates for VA loans tend to fall below Bankrate’s averages. While Veterans United does offer other loan types, the lender doesn’t disclose those rates.
• Down payment: As is the case with any VA lender, you’ll likely be able to buy a home without putting any money down with a VA loan from Veterans United.
• Closing costs: Veterans United Home Loans charges mortgage origination fees. Overall, you can expect to pay between 3% and 5% of the loan amount in closing costs. For a VA loan, this typically includes the VA funding fee, unless you qualify for an exemption.

Availability: 5 stars

Veterans United Home Loans scores 5 out of 5 stars for availability. The lender works with borrowers nationwide and boasts the convenience of an online application with branch locations near military bases.

• Home loans offered: If it’s a VA loan you need, you’ll find it at Veterans United. The lender offers purchase loans with 15-, 20- and 30-year repayment plans, along with VA jumbo loans, IRRRLs and VA cash-out refinances. 
• Footprint: Veterans United is licensed to lend in all 50 states, with branches primarily near major military bases.
• Where to find: You can apply for a mortgage with Veterans United Home Loans online, by phone or in person at a branch location.

Borrower experience: 4.5 stars

With 24/7 customer service and speedy preapprovals, Veterans United Home Loans scores 4.5 out of 5 stars for borrower experience.

• Preapproval and application process: Qualified borrowers can receive preapproval within 24 hours. You can start your application online and use the MyVeteransUnited mobile app to upload paperwork and sign documents. The app has an outstanding rating of 4.9 out of 5 stars among Apple and Android users.
• Transparency: The Veterans United website includes a rate tool that makes it easy to estimate what you might qualify for without sharing any of your personal details. You won’t know specific fees, however, until you get preapproved.
• Customer service:  We found Veterans United representatives to be friendly and helpful, and the service is fast and efficient. You can reach someone 24/7 at 800-884-5560.

Images courtesy of Veterans United Home Loans as of Nov. 14, 2023. Note: Depending on method of contact, your individual credit profile and other circumstances, your experience might differ.

Veterans United Home Loans reputation

Veterans United Home Loans has been the number one VA lender for new purchase loans for the past nine consecutive years. Ask a borrower about their experience with Veterans United Home Loans, and you’ll likely hear a glowing review. The lender has an almost-perfect 4.9 out of 5 stars on Trustpilot (at the time of this review), and J.D. Power ranked it highly for customer satisfaction in 2025.

Veterans United was also recognized as one of People’s Companies That Care for 2025, ranking No. 14 nationally and earning the highest spot among mortgage lenders.

What Bankrate users say about Veterans United Home Loans

Borrowers on Bankrate overwhelmingly praise Veterans United, with one returning customer calling the lender “the way to go” and others referencing their “great” experiences, especially for first-time homebuyers.