Veterans United Home Loans Review 2023

Good for: veterans, active-duty service members and eligible reservists looking for VA loans.
By Phil Metzger and  Taylor Getler 

Some or all of the mortgage lenders featured on our site are advertising partners of NerdWallet, but this does not influence our evaluations, lender star ratings or the order in which lenders are listed on the page. Our opinions are our own. Here is a list of our partners.

Our Take


NerdWallet rating 

The bottom line:

Veterans United specializes in VA loans, and the online convenience makes it a strong choice for military borrowers.

Veterans United
Veterans United: NMLS#1907
Min. credit score
Min. down payment
Loan types and products
Purchase, Refinance, Jumbo, Fixed, Adjustable, FHA, VA, USDA

Pros & Cons


  • Offers 24/7 customer service over the phone.
  • Offers a free credit counseling service.
  • Mortgage rates are on the low side, according to the latest federal data.


  • Doesn't offer home equity loans or HELOCs.
  • Veterans United has branch offices in only 17 states.
  • Focus on VA loans, so may not be the strongest choice for those seeking other loan types.

Compare to Other Lenders

NerdWallet rating 
NerdWallet rating 
Min. credit score


Min. credit score


Min. down payment


Min. down payment


Loan types and products

Purchase, Refinance, Jumbo, Fixed, Adjustable, FHA, VA

Loan types and products

Purchase, Refinance, Home Equity, Jumbo, Fixed, Adjustable, FHA, VA, USDA

Get more smart money moves — straight to your inbox

Become a NerdWallet member, and we’ll send you tailored articles we think you’ll love.

Full Review

What borrowers say about Veterans United Home Loans

NerdWallet’s lender star ratings assess objective qualities, including rates, fees and loan offerings. To assess borrowers’ subjective experiences with lenders, NerdWallet has gathered customer satisfaction ratings from J.D. Power and Zillow.

  • Veterans United receives a 768 out of 1,000 in J.D. Power’s 2022 U.S. Mortgage Origination Satisfaction Study. The industry average for origination is 716 (Mortgage origination covers the initial application through closing day.)

  • Veterans United receives a customer rating of 4.78 out of 5 on Zillow, as of the date of publication. The score reflects more than 5,100 customer reviews.

Veterans United Home Loans variety of loan types

  • 3 of 5 stars

Borrowers choosing VA loans make up the vast majority of Veterans United’s customers. Along with purchase loans, the lender offers two refinance options for VA borrowers. The first is the VA Interest Rate Reduction Refinance Loan, or IRRRL, which allows borrowers to take advantage of rate drops. The other is a cash-out refinance, so VA borrowers can tap into their equity. This is the only option for accessing equity, as Veterans United doesn’t offer HELOCs or home equity loans.

Veterans United also offers conventional, FHA and jumbo loans, and provides buyer education in the form of online coursework geared toward the VA loan process and credit counseling.

Veterans United Home Loans ease of application

  • 5 of 5 stars

To get a mortgage with Veterans United, most people start online or over the phone. You can complete a loan application and pre-qualify online through the My Veterans United portal. Though Veterans United has branches in only 17 states, it lends to customers in all 50 states and Washington, D.C., and offers 24/7 customer service.

Veterans United Home Loans rates and fees

  • 3.5 of 5 stars

  • 3 of 5 stars for average origination fee.

  • 4 of 5 stars for average mortgage interest rates.

Borrowers should consider the balance between lender fees and mortgage rates. While it's not always the case, paying upfront fees can lower your mortgage interest rate. Some lenders will charge higher upfront fees to lower their advertised interest rate and make it more attractive. Some lenders just charge higher upfront fees.

Veterans United Home Loans rate transparency

  • 4 of 5 stars

Veterans United publishes current mortgage rates on its site, but not all available mortgage products are included. To get a rate quote based on your credit score, debt-to-income ratio and desired loan term, you can fill out an online form or call Veterans United to speak with a loan specialist.

Alternatives to Veterans United Home Loans

Here are some comparable lenders we review that borrowers can consider.

Navy Federal Credit Union is another strong choice for VA borrowers, while Bank of America is great for first-time home buyers.

Getting ready to buy a home? We’ll find you a highly rated lender in just a few minutes.

Enter your ZIP code to get started on a personalized lender match.


More from NerdWallet


NerdWallet’s overall ratings for mortgage lenders are evaluated based on four major categories: variety of loan types (purchase, refinance, fixed and adjustable, for example), ease of application, rates and fees and rate transparency. Among the factors we consider when scoring these categories are options to apply for and track loans online, the level of detail about mortgage rates on lender websites and our analysis of the rates and fees lenders reported in the latest available Home Mortgage Disclosure Act data. These scores generate ratings from 1 star (poor) to 5 stars (excellent).