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Peyton et al. v. Veterans United Home Loans et al.
Filed
February 18, 2026
Jurisdiction
Western District of Missouri
Plaintiff Firm
Hagens Berman Sobol Shapiro
Next Milestone
Early litigation; class certification pending
Veterans United Home Loans accused of RESPA violations through illegal kickback scheme with affiliated real estate agents (35% commission fees) and deceptive marketing falsely implying VA affiliation; steering military veterans to higher-cost loans
First major lawsuit targeting mortgage lender steering practices and RESPA violations in post-NAR settlement era; expands commission litigation from real estate to mortgage lending
Alleged Violations Period
January 1, 2020 - PresentVeterans United Home Loans allegedly engages in illegal kickback scheme with affiliated real estate agents and steers military veterans to higher-cost loans
Class Action Filed
February 18, 2026Three veteran homebuyers file class action in Western District of Missouri alleging RESPA violations and deceptive practices by Veterans United Home Loans, Mortgage Research Center LLC, Veterans Realty, and Realty Search Solutions LLC
Case Status
February 2026Early litigation stage; defendants have not yet filed answer or response; class certification proceedings pending
Category
Platform & Tech LitigationZillow illegally steers business to Zillow Home Loans by tying agent referrals to lending products
Category
Mortgage LendingPrice-fixing conspiracy among 29 mortgage lenders using Optimal Blue's pricing platform to coordinate and inflate mortgage interest rates, violating Sherman Antitrust Act Section 1
Category
Mortgage LendingSettlement
6900000
Wells Fargo allegedly violated Truth in Lending Act by failing to properly disclose buydown agreements where sellers paid upfront fees to reduce buyers' interest rates, causing borrowers to pay higher rates than disclosed
Real experiences from homeowners affected by mortgage lending violations.
I applied for a mortgage in 2020 for a home in a predominantly minority neighborhood. Despite having excellent credit and a stable income, I was repeatedly denied or offered rates significantly higher than friends with similar financial profiles in other areas. After seeing the CFPB enforcement actions, I realized I may have been a victim of redlining.
Loan Date: March 2020
When refinancing my home, my loan officer strongly pushed me toward a specific title company and appraiser. I later discovered through court documents that there was an illegal kickback arrangement between my lender and these service providers, which inflated my closing costs by thousands of dollars.
Loan Date: August 2021
I used an online mortgage rate comparison platform in 2022. I thought I was getting competitive rates, but after the Optimal Blue lawsuit came to light, I realized the platform may have been artificially inflating rates through coordination with lenders. My 'best rate' was likely not competitive at all.
Loan Date: November 2022
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