Veterans United vs. Navy Federal mortgages | finder.com

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Veterans United vs. Navy Federal Credit Union mortgages

Both are good options for military members and their families, but one stands out in customer service.

How do Veterans United and Navy Federal Credit Union compare?

Veterans United logo
Navy Federal Credit Union logo
  • Choose this lender for a streamlined online application
  • Choose something else for home equity and HELOC
  • A good option for military members and veterans
  • Choose this lender for 0% down and no PMI loan options
  • Be wary of a slow approval process
  • A good option if you’re a member of the military

Loans offered

  • Conventional
  • Refinance
  • Jumbo
  • Home Equity
  • FHA
  • VA
  • USDA
  • Conventional
  • Refinance
  • Jumbo
  • Home Equity
  • FHA
  • VA
  • USDA

Minimum credit score

Conventional: 640

Conventional: 620

States available

Available in all states

Available in all states

Pros

  • Focus on veterans
  • Suite of mortgage options
  • Streamlined application
  • 24/7 customer service
  • For those ineligible for VA or USDA loans, additional 0% down, no PMI options available
  • Special benefits for qualifying military service members
  • Fewer fees on select mortgages than other companies

Cons

  • No equity or specialty mortgage products
  • Little info on non-VA loans
  • Limited branch locations
  • Requires NFCU membership
  • Online complaints relate a long approval process and poor support

Customer reviews

As of March 2021, Veterans United has an A+ rating with the Better Business Bureau (BBB) for closing 74 customer complaints in the last three years. VU also rates 4.71 out of 5 stars with 1,314 BBB reviews. There are 6,373 reviews on TrustPilot, where Veterans United has 4.9 stars out of 5. Reviews praised Veterans United for creating an easy experience for clients to reach their goals.
Member reviews for Navy Federal are generally positive. The credit union has a 4.7-star rating from 621 reviews on Trustpilot as of October 2020, where most customers say they felt the company was empathetic and met their needs. Others say they received loans through Navy Federal that they wouldn’t have been approved for elsewhere. NFCU has an A+ rating with the Better Business Bureau (BBB) and has responded to 889 complaints in the last three years. But out of 116 customer reviews, the lender only scores 1.19 stars. Most negative reviews focus on poor customer service experiences and slow responses from the loan department.

Compare mortgage lenders

Compare top brands by home loan type, state availability and credit score. Select See rates to provide the lender with basic property and financial details for personalized rates.
Name Product Loan products offered State availability Min. credit score
Better
(NMLS #330511)
Better
Conventional, Jumbo, FHA, Refinance
Not available in: HI, MA, MN, NV, NH, VT, VA
620
Online preapproval in minutes and no origination fees with this direct lender.
Axos Bank
(NMLS #524995)
Axos Bank
Conventional, Jumbo, FHA, VA, Home Equity/HELOC, Refinance
Available in all states
620
Purchase, refinance, and home equity options available with lender fees as low as $0 (restrictions apply).
Rocket Mortgage
(NMLS #3030)
Rocket Mortgage
Conventional, Jumbo, FHA, VA, Refinance
Available in all states
620
Streamline your mortgage from quote to final payment — all from your computer or phone.
SoFi
(NMLS #1121636)
SoFi
Conventional, Home equity, Refinance
Not available in: AK, HI, MO, NH, NM, NY, SD, WV
620
No hidden fees, multiple loan terms, and member discounts available.
LendingTree
(NMLS #1136)
LendingTree
Conventional, Jumbo, FHA, VA, USDA, Home Equity, HELOC, Reverse, Refinance
Available in all states
620
Connect with vetted home loan lenders quickly through this online marketplace.
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