7 Best Credit Union Mortgage Lenders of April 2025
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 and here's how we make money.
Credit unions can excel at financial education and customer service while offering competitive mortgage rates, making them a good place to shop for a mortgage. These credit unions rise to the top for VA, FHA and jumbo loans, and as local lenders for borrowers in certain regions.
Why trust NerdWallet
- 50+ mortgage lenders reviewed and rated by our team of experts.
- 40+ years of combined experience covering mortgages and financial topics.
- Objective, comprehensive star rating system assessing 120+ categories and 5,000+ data points.
- Governed by NerdWallet's strict guidelines for editorial integrity.
Why trust NerdWallet
- 50+ mortgage lenders reviewed and rated by our team of experts.
- 40+ years of combined experience covering mortgages and financial topics.
- Objective, comprehensive star rating system assessing 120+ categories and 5,000+ data points.
- Governed by NerdWallet's strict guidelines for editorial integrity.
7 Best Credit Union Mortgage Lenders of April 2025
Have you or your spouse served in the military?
We’ve got more home loan options for you. Show me
Lender ▾ ▾ | NerdWallet Rating ▾ ▾ | Min. credit score ▾ ▾ | Min. down payment ▾ ▾ | Learn more |
|---|---|---|---|---|
 Andrews Federal Credit Union: NMLS#410421 Compare More Lenders on NerdWallet | 620 | 3% | Compare More Lenders on NerdWallet | |
 Alliant: NMLS#197185 Compare More Lenders on NerdWallet | N/A | N/A | Compare More Lenders on NerdWallet | |
 FourLeaf Federal Credit Union: NMLS#449104 Compare More Lenders on NerdWallet | 620 | 3% | Compare More Lenders on NerdWallet | |
 Golden 1 Credit Union: NMLS#669333 Compare More Lenders on NerdWallet | N/A | 3% | Compare More Lenders on NerdWallet | |
 Navy Federal: NMLS#399807 Compare More Lenders on NerdWallet | N/A | 0% | Compare More Lenders on NerdWallet |
Pros and cons of borrowing from a credit union
When deciding whether to choose a credit union, bank or other lender for your mortgage, consider the benefits and drawbacks that credit unions may bring to your experience.
Pros
- Potentially lower rates and fees. Credit unions are not-for-profit organizations, and profits are reinvested in their members through reduced rates and fees.
- Perks. Some credit unions have corporate partnerships that offer discounts or special offers to members.
Cons
- Membership exclusions. Some credit unions (including several included on this list) only offer membership to applicants who live within a certain geographic area or work in specific professions.
- Limited products. Credit unions may not offer the range of products available at larger banks.
More from NerdWallet
Last updated on January 17, 2025
Methodology
The star ratings on this page reflect each lender's overall star ratings. Read more about how we determine those ratings.
The lenders on this page are chosen using this methodology:
NerdWallet reviewed more than 40 mortgage lenders, including the majority of the largest U.S. mortgage lenders by annual loan volume (measured among lenders with at least a 1% market share), lenders with significant online search volume and those that specialize in serving various audiences across the country.
For inclusion on this roundup, credit union lenders must score a 3.5 or above according to our overall methodology.
NerdWallet solicits information from reviewed lenders on a recurring basis throughout the year. All lender-provided information is verified through lender websites and interviews. We also utilized 2023 HMDA data for origination volume, origination fee, average interest rate and share-of-product data.
NerdWallet's Best Credit Union Mortgage Lenders of April 2025
- Andrews Federal Credit Union: Best for rate shopping
- Alliant: Best for variety of loan types
- FourLeaf Federal Credit Union: Best for variety of loan types
- Golden 1 Credit Union: Best for California borrowers
- Navy Federal: Best for military borrowers
- State Employees' Credit Union: Best for North Carolina borrowers
- PenFed: Best for low rates
