Lender Hub · Mortgage

Mortgages, in plain terms.

161lenders

A mortgage is the biggest loan most people take on. The program you qualify for and the lender you choose can change your rate, your down payment, and how much house you can afford.

Loan programs

Conventional loans follow Fannie Mae/Freddie Mac rules. Government programs lower barriers: FHA allows lower scores and down payments, VA serves eligible veterans with no down payment, and USDA supports rural buyers. Jumbo loans exceed conforming limits, and ARMs start with a lower fixed period before adjusting.

Down payment and PMI

You can often buy with as little as 3-5% down on conventional loans, or 3.5% on FHA. Putting less than 20% down on a conventional loan usually means paying private mortgage insurance (PMI) until you build enough equity.

Rate, points, and the lock

Lenders may let you pay points up front to buy down your rate. A rate lock holds your quoted rate for a set number of days while you close, protecting you from market swings during processing.

Purchase vs. refinance vs. cash-out

A purchase mortgage finances a home you are buying. A refinance replaces your current loan for a better rate or term, and a cash-out refinance lets you borrow against built-up equity. Mortgage applications almost always use a hard, tri-bureau credit pull.

Lenders

Compare options.

SearchYour state

Estimates for: Unknown credit

Lender			Soft pull	Bureau(s)
Abound Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.aboundcu.com/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyone$10 fee via USA Cares Association or ECTC Military Education Association
Achieva Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, FHA, VA PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.achievacu.com InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyone$10 minimum donation to the Achieva Foundation
AdvancialCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.advancial.org/ InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) Open to anyoneJoin the U.S. Dog Agility Association or Connect Membership (confirm current association and fee on official site)
Affinity Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.affinityfcu.com InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyone$5 one-time donation to the Affinity Foundation
Affinity Plus Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.affinityplus.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyone$25 one-time donation to the Affinity Plus Foundation
AgFed Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsARM, VA PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.agfed.org InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) Open to anyoneis open to anyone through either The Friends of National Zoo ($20 one-time fee) or The Friends of the National Arboretum ($20 one-time fee)
Alabama Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.alabamacu.com/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneMembership in Alabama Credit Union is open anyone through membership in The Secret Meals Association (application to join is on the credit union's site-$10 association member fee).
Alero FinancialCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, FHA, VA PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.alerofinancial.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneprovides pathways for membership to individuals across the United States through approved associations and community-based eligibility options
All In Credit Union (AL)Credit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websiteallincu.com InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyone$20 donation to the Army Aviation Museum Foundation (via Fort Rucker/Wiregrass AUSA chapter)
Allegacy Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.allegacy.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneDonate ~$10 to a partner association (e.g., Center for Smart Financial Choices, Kernersville Little Theatre, Hispanic League, SECCA)
Alliant Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, Jumbo, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programNo Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.alliantcreditunion.org InsuranceNCUA insured NMLS IDUnknown FootprintOnline Only SupportUnknown How to qualify (membership) Open to anyoneSelect 'Alliant Credit Union Foundation' during application — Alliant pays the $5 fee on your behalf (free)
AlumniFiCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitealumnifi.org/ InsuranceNCUA insured NMLS IDUnknown FootprintOnline Only SupportUnknown How to qualify (membership) Open to anyoneOne-time donation to the Desk Drawer Foundation (amount not specified; confirm on site)
America First Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, FHA, VA, Jumbo, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programNo Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.americafirst.com InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) OtherLimited to residents/workers/worshippers/students in designated counties of UT, NV, AZ, ID, OR, NM, or parts of San Bernardino County, CA, plus Utah food-industry workers, SEG employees, or family of existing members.
America's Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsVA PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.youracu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneis open to anyone through joining the Pacific Northwest Consumer Council
American Heritage Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.americanheritagecu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyone$5 minimum donation to the Kids-N-Hope Foundation
Andrews Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.andrewsfcu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneJoin the American Consumer Council — free (use code 'ANDREWS')
Bayer Heritage Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.bayerhfcu.com/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneMembership in Bayer Heritage Federal Credit Union is open to anyone through membership in the American Consumer Council.
Bellco Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.bellco.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneMembership in Bellco Credit Union is open to anyone by joining the Bellco Foundation ($10 minimum donation).
Better MortgageFintech	Unknown	—	Yes	Unknown
Loan terms APR typeBoth AmountUnknown Term180-360 mo Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTI35% Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesYes Mortgage specifics ProgramsJumbo PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboYes Institution Websitebetter.com/ InsuranceUnknown NMLS IDUnknown FootprintNationwide SupportUnknown
Blue Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, FHA, VA PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.bluefcu.com/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyone$5 donation to the Blue Foundation
BluPeak Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, Jumbo, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.blupeak.com/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneComplimentary one-year KPBS membership — BluPeak pays the ~$60 fee (free)
Boeing Employees Credit Union (BECU)Credit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, FHA, VA, Jumbo, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.becu.org InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneJoin a partner association: UWAA, WSUAA, BECU Foundation, GoWest Foundation, KEXP, or Sea Hawkers (fees vary by association)
California Coast Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, Jumbo, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.calcoastcu.org InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneMembership in California Coast Credit Union anyone through paying a $15 membership fee. Membership is also open to those who live or work in San Diego or Riverside Counties in California with a $5 membership fee.
Capital Educators Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, FHA, VA, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitecapedcu.com/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyone$10 one-time donation to the Idaho CapEd Foundation ($1 for students)
Chartway Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitechartway.com InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyone$10 donation to the Chartway Promise Foundation
Chevron Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.chevronfcu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneJoin Financial Fitness Association — CFCU pays the $8 fee (free); or Contra Costa Historical Society; or Navy League of the U.S.
Communitywide Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, FHA, VA, USDA PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitecomwide.com/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneJoin the Marine Corps League, Michiana Goodwill Boosters, or Tri-County YMCA (fee not specified; confirm on site)
Connexus Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsVA PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.connexuscu.org InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) Open to anyone$5 one-time donation to the Connexus Association
CoVantage Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.covantagecu.org InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyone$10 one-time donation to the CoVantage Cares Foundation
Credit HumanCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.credithuman.com InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneJoin the American Consumer Council — free
Credit Union Of New JerseyCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.cunj.com/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneis open to anyone (regardless of residency or employment status) by joining either the Ewing Public Educational Foundation or Credit Union of New Jersey Foundation
Credit Union Of The RockiesCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsFHA, VA, USDA, Jumbo, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.cu-rockies.org InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneis open to anyone through joining the Consumers United Association ($5 membership fee)
Department Of Commerce Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.docfcu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) Open to anyoneJoin the American Consumer Council — free
Digital Federal Credit Union (DCU)Credit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, FHA, VA, Jumbo, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programNo Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.dcu.org InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) Open to anyoneJoin Reach Out for Schools ($10) or Merrimack River Watershed Council ($35)
Dover Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, VA, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.doverfcu.com/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneis open to anyone by joining the Friends of Bombay Hook
Dow Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitedowcreditunion.org/ InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) Open to anyone$10 donation to Dow Credit Union's Multipliers for Good fund
EastRise Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.eastrise.com InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneJoin the American Consumer Council — EastRise covers the fee (free)
Elements FinancialCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, ARM, FHA, Jumbo PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.elements.org/ InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) Open to anyoneJoin Tru Direction, Inc. to qualify for membership ($5 dues)
Expedition Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.expeditioncu.com InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneis open to anyone through joining the United Educators Foundation ($5 membership fee)
Fannie MaeOther	Unknown	—	Unknown	Equifax, Experian, TransUnion
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.fanniemae.com/ InsuranceUnknown NMLS IDUnknown FootprintUnknown SupportUnknown
Farmers Insurance Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitefigfcu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) Open to anyoneJoin the American Consumer Council — free
Financial Partners Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitefpcu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneJoin the American Consumer Council — free
Financial Resources Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, Jumbo, ARM, VA PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitemyfinancialresources.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneis open to anyone through joining the American Consumer Council
First Flight Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.firstflightcu.com InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneMembership in First Flight Federal Credit Union is open to anyone through a $5 donation to the Capital Area Preservation Club
First Tech Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, FHA, VA, Jumbo, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programNo Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.firsttechfed.com InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) Open to anyoneAnyone can join by becoming a member of a partner association (Financial Fitness Association or Computer History Museum) during the online application; First Tech typically covers the association fee.
Fort Bragg Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, ARM, Jumbo, VA, FHA, USDA PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.fortbraggfcu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneNone confirmed — verify on official site
Fortera Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, FHA, VA, Jumbo, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websiteforteracu.com/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneMembership in Fortera Credit Union is open to all U.S. citizens and resident aliens 18-years or older, who have a valid Social Security number or Tax Identification number.
FourLeaf Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, FHA, VA, Jumbo, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programNo Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.fourleaffcu.com InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) Open to anyoneOpen to anyone with a $5 savings deposit
GECUCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsVA PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.gecu.com InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneMembership in GECU is open to anyone through the American Consumer Council. GECU will enroll you at no additional cost.
Genisys Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.genisyscu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneDonate to the Arthritis Foundation or Paint Creek Center for the Arts (amount not specified; confirm on site)
Global Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, FHA, VA, Jumbo, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programNo Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.globalcu.org InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) OtherOpen to residents/workers in Alaska, Washington, northern Idaho, Maricopa County AZ, or San Bernardino County CA; DoD employees worldwide; or family members of a qualifying member.
Great Lakes Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, FHA, VA, Jumbo, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.glcu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneOpen to anyone (select 'Not Listed' on application) with a $1+ share
GreenState Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, FHA, VA, Jumbo, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.greenstate.org InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) Open to anyoneAnyone can join by becoming a member of the Iowa Consumer Council/American Consumer Council, in addition to Iowa-area residency, University of Iowa affiliation, or family of a member.
Greenwood Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitegreenwoodcu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneOpen to anyone in the U.S. with a $5 savings deposit
Grow Financial Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.growfinancial.org InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneNone — military/SEG/geographic restriction
GTE FinancialCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.gtefinancial.org InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyone$10 one-time fee to CU Savers nonprofit club
Guaranteed RateFintech	Unknown	—	Unknown	Unknown
Loan terms APR typeBoth AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.rate.com/ InsuranceUnknown NMLS ID2611 FootprintNationwide SupportUnknown
Hanscom Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsJumbo, VA PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.hfcu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneJoin Nashua River Watershed Association (~$35), Air Force Association (~$20), or American Consumer Council
Harbor Point MortgageMortgage Lender	5.99% - 7.99%	—	Yes	Experian, TransUnion
Loan terms APR typeBoth AmountUp to $3,000,000 Term180-360 mo Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingOver a week Eligibility Min score640 Max DTI45% Min incomeUnknown CosignerNo Joint appYes Prequal shows real ratesYes Mortgage specifics ProgramsConventional, Jumbo, ARM PurposesPurchase, Refinance, Cash Out Min down5% PMI requiredYes First-time programNo Rate lock45 days Avg close21 days JumboYes Institution Websiteexample.com/harborpoint InsuranceUnknown NMLS ID1109201 FootprintOnline Only Support1-800-555-0144 Reputation Trustpilot4.5/5 (21,000) CFPB complaintsLower-than-peer complaint volume per funded loan in this mock record.
Hope Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.hopecu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneBecome a member of the Hope Enterprise Corporation (fee not specified; confirm on site)
Hughes Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, FHA, VA, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.hughesfcu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyone$10 donation to a community Special Interest Group (e.g., Friends of Pima County Public Library)
Idaho Central Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, FHA, VA, USDA, Jumbo, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.iccu.com InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) OtherLimited to people who live/work/attend school in any Idaho county, select WA school districts, specific OR/AZ counties, State of Idaho employees, members of other Idaho-based credit unions, or family of a member.
Ideal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.idealcu.com/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyone$5 one-time donation to the John D. Miller Foundation
INOVA Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websiteinovafederal.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneis open to anyone through the Tru Direction Financial Literacy program ($5 donation)
Interior Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsARM, Jumbo, VA, FHA PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.interiorfederal.org InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) Open to anyoneInterior Federal Credit Union is open to anyone through joining the New Mexico Wildlife Federation
Jovia Financial Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsJumbo, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.jovia.org InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneJovia Financial Credit Union is open to all U.S. citizens/resident aliens who join the CrossState Credit Union Foundation, regardless of where they live.
JPMorgan Chase Bank, National AssociationBank	Unknown	—	Yes	Unknown
Loan terms APR typeBoth AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.chase.com/ InsuranceFDIC insured NMLS IDUnknown FootprintUnknown SupportUnknown
Justice Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, FHA, VA, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitejfcu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) Open to anyone$5 donation to Concerns of Police Survivors (C.O.P.S.); or National Sheriffs' Association (~$15); or National Native American Law Enforcement Association
Kinecta Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, FHA, Jumbo PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.kinecta.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneJoin the Innovision Society — Kinecta pays the $10 fee (free); or Consumers Cooperative Society of Santa Monica ($10)
La Capitol Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.lacapfcu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneJoin the Louisiana Association for Personal Financial Achievement (fee not specified; confirm on site)
Lafayette Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.lfcu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyone$10 one-time fee to the Home Ownership Financial Literacy Council
Lake Michigan Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, FHA, VA, Jumbo, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.lmcu.org InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) Open to anyone$5 minimum donation to the ALS Association, West Michigan Chapter
Langley Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, FHA, VA, Jumbo, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.langleyfcu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneMembership in Langley Federal Credit Union is open to all U.S. citizens/resident aliens who open a Share Savings Account with a $5 minimum deposit
Latino Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitelatinoccu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneMembership in Latino Credit Union is open to anyone by joining the Latino Community Development Center ($10 family membership fee).
LendingClubMarketplace	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesUnknown Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.lendingclub.com/ InsuranceUnknown NMLS IDUnknown FootprintNationwide SupportUnknown
Liberty Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, FHA, USDA, Jumbo, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.libertyfcu.org InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyone$5 donation to the Mater Dei Friends & Alumni Association
Library Of Congress Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.lcfcu.org InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneJoin the American Consumer Council — free
Magnifi FinancialCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitemymagnifi.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyone$10 donation to the Magnifi Financial Foundation
Marine Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, VA, Jumbo PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitemarinefederalhb.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyone$25 donation to the Marine Corps Scholarship Fund
Market USA Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsFHA, VA, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.marketusafcu.com InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneis open to anyone who joins the Market USA Cares Foundation (minimum $5 donation), regardless of residency status
Matadors Community Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.matadors.org InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneMatadors Community Credit Union is open to anyone through joining the CSUN Arts Council ($5 minimum donation)
Michigan State University Federal Credit Union (MSUFCU)Credit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.msufcu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyone$10 donation to the Desk Drawer Fund/Foundation
Mirastar Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.mirastarfcu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneThe pathway membership is easy with American Consumer Council.
Mountain America Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, FHA, VA, Jumbo, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programNo Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.macu.com InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) Open to anyoneMembership in Mountain America Credit Union is open to anyone through membership in the American Consumer Council.
MTC Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.mtcfederal.com InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneis open to anyone through membership in Friends of the Foundation - In Partnership with the Carolinas Credit Union Foundation
NASA Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, FHA, VA PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.nasafcu.com/ InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) Open to anyoneFree one-year National Space Society (NSS) membership — NASA FCU provides it at no cost
Navy Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, VA, Jumbo, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.navyfederal.org InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) OtherMembership is limited to active-duty military, veterans, DoD civilian employees/contractors, and their immediate family or household members; there is no public workaround for unaffiliated civilians.
NIH Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.nihfcu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneNIH Federal Credit Union membership is open to anyone through membership in the American Consumer Council.
Northrop Grumman Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.ngfcu.us/ InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) Open to anyone$50 membership to the Southern California Historical Aviation Foundation
Northwest Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.nwfcu.org InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneJoin a partner nonprofit (e.g., Florida Literacy Coalition ~$10)
Notre Dame Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, FHA, VA, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitenotredamefcu.com/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyone$20 donation to the Holy Cross College Alumni Association
NuVision Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, FHA, VA PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitenuvisionfederal.com InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneJoin the American Consumer Council — free
OceanAir Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, FHA, VA, Jumbo, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websiteoceanair.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneindividuals involved with select non-profit associations
Oklahoma Central Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsFHA, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.oklahomacentral.creditunion/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneis open to anyone who belongs to any other credit union
Oklahoma Community Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, FHA, VA, USDA, Jumbo PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.okcommunitycu.com InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneAnyone who joins the American Consumer Council (ACC)
Orion Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websiteorionfcu.com/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyone$10 donation to one of five named organizations (e.g., Habitat for Humanity Greater Memphis, Ronald McDonald House, Wolf River Conservancy)
OUCU Financial Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.oucu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyonemembers of the Ohio University Friends of the Libraries (minimum $30), Athens Friends of the Library, Athens County Area Beekeepers Association, Athens Amvets Post 76, Albany Amvets Post 93, Athens County Club, Athens Elks, Athens Masonic Bodies, or Career Connections Alumni Association are also eligible to join
Parda Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, FHA, VA, USDA, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.parda.com InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneAnyone who joins the American Consumer Council (ACC)
Partners 1St Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitepartners1stcu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneis open to all U.S. citizens and resident aliens by joining TruDirection
Pasadena Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, FHA, VA, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.pfcu.org InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneis open to anyone by making a $25 donation to the Friends of the Pasadena Public Library
Patelco Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.patelco.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneJoin the Financial Fitness Association — Patelco pays the first-year $8 fee (free)
Pelican State Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.pelicanstatecu.com/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyonePelican State Credit Union is open to any U.S. citizen/resident alien who joins one of these Associate Partners: ARC Baton Rouge ($5 membership fee), Parents Association of Northwest Supports and Services ($5 membership fee), and Pinecrest Parents Association ($20 membership fee).
Pen Air Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.penair.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyone$1 donation to the Friends of the Navy-Marine Corps Relief Society
PenFed Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, FHA, VA, Jumbo, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.penfed.org InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) Open to anyoneOpen to anyone with a $5 savings deposit
PenFed MortgageFintech	Unknown	—	Yes	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase Min downUnknown PMI requiredUnknown First-time programUnknown Rate lock60 days Avg closeUnknown JumboUnknown Institution Websitewww.penfed.org/mortgage-center InsuranceUnknown NMLS IDUnknown FootprintNationwide SupportUnknown
Pennsylvania State Employees Credit Union (PSECU)Credit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, Jumbo, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.psecu.com/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneJoin the Pennsylvania Recreation and Park Society (PRPS) — $20 annual dues (PSECU covers $10, so net $10)
People's Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitepeoplescu.com/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneNone — geographic restriction (Rhode Island only)
Pima Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, FHA, VA, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.pimafederal.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneDonate to Literacy Connects ($10), Children's Museum Tucson, or Friends of the Pima County Public Library ($20)
Premier America Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.premieramerica.com InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneJoin the Thousand Oaks Alliance for the Arts (fee not specified; confirm on site)
Princeton Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websiteprincetonfcu.org InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneis open to anyone through joining the New Jersey Consumer Council ($5 membership fee)
Puerto Rico Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, Jumbo PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websiteprfedcu.com InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneby contribution through a donation ($50 for individuals)
Quorum Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.quorumfcu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintOnline Only SupportUnknown How to qualify (membership) Open to anyoneJoin the Select Savers Club — Quorum pays the $5 lifetime fee (free); or American Consumer Council (free)
Randolph-Brooks Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, FHA, Jumbo, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.rbfcu.org InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) OtherOver 5,000 qualifying paths via employer, place of worship, community organization, school, military base commissary access, or family of an existing member, but no membership route open to literally anyone.
REV Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.revfcu.com/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneJoin the American Consumer Council (free) or donate as 'Friend of the Foundation'
Salal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitesalalcu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) Open to anyoneJoin the Salal Foundation or People's Memorial Association (~$50 lifetime)
Sandia Area Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, FHA, VA PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.sandia.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneSubscribe to permaculture ethics (no fee specified; confirm on site)
SchoolsFirst Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, FHA, VA, Jumbo, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programNo Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.schoolsfirstfcu.org InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) OtherLimited to employees (and some contracted service providers, education students, and retirees) of California K-12 schools, colleges/universities and districts, plus immediate family members of existing members.
Security Service Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, FHA, VA, Jumbo, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programNo Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.ssfcu.org InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) OtherOpen to those who live, work, worship, attend school, or volunteer in Texas, Colorado, or Utah; select military/DoD affiliates; or family/household members of a current member.
Securityplus Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.securityplusfcu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneis open to anyone (regardless of residency) through membership in the American Consumer Council
Self-Help Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.self-help.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyone$5 one-time fee to join the Center for Community Self-Help
Self-Help Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.self-helpfcu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyone$5 one-time fee to join the Center for Community Self-Help
Signature Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.signaturefcu.org InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) Open to anyoneJoin the American Consumer Council — free
Skyla Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.skylacu.com/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneJoin the American Consumer Council — Skyla enrolls you automatically (free)
Soarion Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.soarion.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyonejoin either the Airman Heritage Foundation or the Dream Educational Foundation
SoFiFintech	Unknown	—	Yes	Unknown
Loan terms APR typeBoth AmountUp to $75,000 TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingOver a week Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesUnknown Min down3.5% PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboYes Institution Websitewww.sofi.com/ InsuranceUnknown NMLS ID1121636 FootprintNationwide SupportUnknown
Southeast Financial Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, FHA, VA PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.southeastfinancial.org InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneis open to anyone through a $5 donation to Autism Tennessee (can be done through the credit union)
Spectra Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, Jumbo, ARM, VA, FHA PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitespectracu.com/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneis open to anyone through joining the American Consumer Council
Spectrum Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.spectrumcu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneDonate to Contra Costa Historical Society ($20), Navy League ($25), or join Financial Fitness Association — Spectrum pays $8 (free)
SRP Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitesrpfcu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneJoin the Savannah Riverkeeper association (fee not specified; confirm on site)
St. Mary's BankCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, ARM, Jumbo PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.stmarysbank.com/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneOpen to anyone with a $5 share purchase
State Department Federal Credit Union (SDFCU)Credit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitesdfcu.org InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) Open to anyoneJoin the American Consumer Council — SDFCU provides the $1 minimum savings (free)
State Employees' Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programNo Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.ncsecu.org InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) OtherMembership limited to employees/retirees of North Carolina state government, public schools, community colleges, universities, and certain affiliated employers, plus their immediate family or household members.
Summit Credit Union (WI)Credit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsFHA, USDA, VA PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.summitcreditunion.com/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneOpen to anyone with a $1 savings deposit
Summit National BankBank	6.13% - 8.5%	—	Varies	Experian, Equifax, TransUnion
Loan terms APR typeBoth AmountUp to $2,000,000 Term120-360 mo Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingOver a week Eligibility Min score620 Max DTI50% Min incomeUnknown CosignerYes Joint appYes Prequal shows real ratesNo Mortgage specifics ProgramsConventional, FHA, VA PurposesPurchase, Refinance Min down3% PMI requiredYes First-time programYes Rate lock60 days Avg close32 days JumboNo Institution Websiteexample.com/summit InsuranceFDIC insured NMLS ID401255 FootprintNationwide Support1-800-555-0101 Reputation BBB4.1/5 (1,280) Trustpilot3.9/5 (6,400)
Sun East Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, FHA, VA, ARM, Jumbo PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitesuneast.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneMembership in Sun East Federal Credit Union is open to anyone through donating to the Sun East Charitable Foundation ($10)
Suncoast Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, FHA, VA, Jumbo, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.suncoast.com InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) OtherOpen to anyone who lives, works, attends school, or worships in Suncoast's ~40 eligible Florida counties (plus, since 2021, any Florida public educator), or has an immediate family member who is a member.
SunWest Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.sunwestecu.com InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneis open to anyone through making a $5 donation to the SunWest Educational Association.
Superior Choice Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitesuperiorchoice.com/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneis open to anyone through a membership in the American Consumer Council or Douglas County Historical Society
Tampa Bay Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsFHA, VA, Conventional PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.tampabayfederal.com/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneis open to members of The Prime Time Club ($5 one-time membership fee)
Teachers Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.teachersfcu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneOpen to anyone in the U.S.
Technology Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitetechcu.com InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneJoin the Financial Fitness Association ($8); or SJSU Alumni Association; or NorCal HR Association
The Golden 1 Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, FHA, VA, Jumbo, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programNo Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.golden1.com InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) OtherOpen to anyone who lives or regularly works in California (or is a CA-based business), plus family members/domestic partners of existing members; no path for non-California residents.
Transportation Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitetransfcu.org InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) Open to anyoneis open to anyone through joining the American Consumer Council.
True Sky Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitetrueskycu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneoffers membership to anyone through membership in the American Consumer Council.
U.S. Bank National AssociationBank	Unknown	—	Yes	Unknown
Loan terms APR typeFixed AmountUnknown Term360-360 mo Origination feeUnknown Prepay penaltyNo Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTI36% Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase Min down3% PMI requiredNo First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.usbank.com InsuranceFDIC insured NMLS IDUnknown FootprintUnknown SupportUnknown
United Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, ARM, Jumbo, FHA, VA, USDA PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websiteunitedfcu.com InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneJoin the National American Consumer Council — free
United Nations Federal Credit Union (UNFCU)Credit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.unfcu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) Open to anyoneMembership is open to residents of the United States who are members of the United Nations Association of the USA ($25 membership fee)
United States Senate Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websiteussfcu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) Open to anyoneJoin the U.S. Capitol Historical Society or the American Consumer Council (free)
University Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, ARM, Jumbo, FHA, VA PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websiteufcu.org InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneJoin the American Consumer Council (free) or the Longhorn Foundation (may limit non-TX residents in practice)
USALLIANCE FinancialCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, Jumbo PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.usalliance.org InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneJoin Tread Lightly!, American Consumer Council, WARC, Council of Community Service, or Rye Arts Center (fees vary)
Utah First Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsFHA, VA, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websiteutahfirst.com/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyone$5 annual fee to Community Volunteers of Utah
Velocity Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, Jumbo PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitevelocitycu.com/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyone$10 donation to the Paramount Theatre Association
Veridian Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.veridiancu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyone$5 minimum donation to Habitat for Humanity of Iowa
Vibrant Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.vibrantcreditunion.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyone$5 donation to Vibrant's Be The Good Foundation
VyStar Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, FHA, VA, Jumbo, ARM PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.vystarcu.org InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) Open to anyoneAnyone can qualify by donating at least $5 to the VyStar Foundation, in addition to Florida/Georgia county residency, military affiliation, Brightway Insurance ties, or SEG employer paths.
Wells Fargo Bank, National AssociationBank	Unknown	—	Yes	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesYes Mortgage specifics ProgramsUnknown PurposesUnknown Min downUnknown PMI requiredYes First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.wellsfargo.com InsuranceFDIC insured NMLS IDUnknown FootprintUnknown SupportUnknown
Western Vista Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, FHA, VA, Jumbo PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.wvista.com InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneMembership in Western Vista Federal Credit Union is open to anyone through membership in the Community Foundation ($5 donation)
Wheelhouse Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, Jumbo, FHA, VA PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.wheelhousecu.com InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneMembers of the Zoological Society (San Diego Zoo) also qualify for membership, regardless of where they live.
Workers Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.wcu.com/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneJoin Financial Fitness Association — Workers pays first-year fee (free); or $5 donation to United Way of North Central MA
Xcel Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsConventional, ARM, Jumbo, VA PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programUnknown Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.xcelfcu.org InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneis open to anyone through joining the Ocean Running Club ($20 membership fee) or the Antique Automobile Club of America ($40 yearly dues)
Zeal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Mortgage specifics ProgramsUnknown PurposesPurchase, Refinance Min downUnknown PMI requiredUnknown First-time programYes Rate lockUnknown Avg closeUnknown JumboUnknown Institution Websitewww.zealcu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyone$2 one-time membership fee to CSI Support & Development Services

Estimates are educational and based on cataloged data for your score band (Unknown). They are not an offer, approval prediction, or guarantee. Bureau pulls can vary by state, channel, and applicant.