Both companies serve veterans. One built its technology from scratch for the AI era. See how they compare.
EarlOne
18 days
Average close time
Veterans United
30–45 days
Average close time
| Feature | EarlOne | Veterans United |
|---|---|---|
| AI Mortgage Assistant (EARL) | ||
| Sub-9-Minute Application | ||
| Plaid-Powered Doc Discovery | ||
| VA IRRRL Specialization | ||
| Licensed All 50 States | ||
| Live Rate Transparency | ||
| Education-First Content Hub | Limited | |
| No Aggressive Sales Calls | ||
| Automated Savings Calculator | ||
| Real-Time Rate Alerts | ||
| Veteran-Owned | ||
| FHA/Conv/DSCR Products | Limited |
EarlOne
Ground-up AI-native architecture with LangGraph orchestration, Gemini 2.5 Pro agentic workflows, automated document intelligence, and Plaid-powered zero-document refinancing. Sub-9-minute application target.
Veterans United
Traditional LOS with phone-based loan officer model. Strong customer service but manual document collection and processing workflows built on legacy systems.
EARL guides you through the entire process intelligently, answering questions in real-time and handling paperwork automatically. No phone tag with loan officers.
Our automated pipeline closes VA IRRRL refinances nearly twice as fast as the industry average, saving you time and locking in rates sooner.
We explain every option, fee, and timeline transparently. No urgency tactics, no false scarcity. You make informed decisions at your pace.
Live rates displayed on our website with APR. No bait-and-switch. Your personalized rate is calculated before any commitment.
Get your personalized rate in 60 seconds. No credit pull, no commitment, no aggressive sales calls.