6 Best Credit Union Mortgage Lenders of 2023
Credit union mortgages may come with advantages such as lower fees and interest rates. Here are some of the best credit unions for VA and FHA loan borrowers, first-time home buyers and those wanting to apply for a mortgage online.
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You may have heard good things about credit union mortgages. Credit unions are member-owned nonprofit organizations that use their profits to reduce costs and fees, and to offer higher savings rates.
Credit unions can excel at financial education and customer service with local branches, making them a good place to shop for a mortgage. And credit union mortgage rates may be more competitive than rates from banks or other lenders.
These credit unions rise to the top of the heap for first-time home buyers, VA and FHA loans, digital convenience and other factors.
You may have heard good things about credit union mortgages. Credit unions are member-owned nonprofit organizations that use their profits to reduce costs and fees, and to offer higher savings rates.
Credit unions can excel at financial education and customer service with local branches, making them a good place to shop for a mortgage. And credit union mortgage rates may be more competitive than rates from banks or other lenders.
These credit unions rise to the top of the heap for first-time home buyers, VA and FHA loans, digital convenience and other factors.
Best Credit Union Mortgage Lenders
Lender | NerdWallet rating | Min. credit score | Min. down payment | Learn more |
---|---|---|---|---|
![]() Bethpage Federal Credit Union: NMLS#449104 Learn more at Bethpage Federal Credit Union | Best for FHA loans | 620 | 3% | Learn more at Bethpage Federal Credit Union |
![]() State Employees' Credit Union: NMLS#430055 | Best for first-time home buyers | N/A | 0% | Read review |
![]() Alliant: NMLS#197185 | Best for loan variety | N/A | 3% | Read review |
![]() Golden 1 Credit Union: NMLS#669333 | Best for online lending | 620 | 3% | Read review |
![]() Navy Federal: NMLS#399807 | Best for VA loans | N/A | 0% | Read review |
![]() San Diego County Credit Union: NMLS#580585 | Best for credit union lending | N/A | 5% | Read review |

at Bethpage Federal Credit Union
Bethpage Federal Credit Union: NMLS#449104

Min. credit score
620Min. down payment
3%at Bethpage Federal Credit Union
State Employees' Credit Union: NMLS#430055

Min. credit score
N/AMin. down payment
0%Alliant: NMLS#197185

National / regional
NationalMin. down payment
3%Golden 1 Credit Union: NMLS#669333

Min. credit score
620Min. down payment
3%Navy Federal: NMLS#399807

National / regional
NationalMin. down payment
0%San Diego County Credit Union: NMLS#580585

Min. down payment
5%National / regional
RegionalLast updated on January 13, 2023
Methodology
The star ratings on this page reflect each lender's overall star ratings. Read more about how we determine those ratings.
The lenders on this page are chosen using this methodology:
NerdWallet reviewed more than 50 mortgage lenders, including the majority of the largest U.S. mortgage lenders by annual loan volume (measured among lenders with at least a 1% market share), lenders with significant online search volume and those that specialize in serving various audiences across the country.
For inclusion on this roundup, credit union lenders must score a 4.5 or above according to our overall methodology.
NerdWallet solicits information from reviewed lenders on a recurring basis throughout the year. All lender-provided information is verified through lender websites and interviews. We also utilized 2021 HMDA data for origination volume, origination fee, average interest rate and share-of-product data.
To recap our selections...
NerdWallet's Best Credit Union Mortgage Lenders of 2023
- Bethpage Federal Credit Union: Best for FHA loans
- State Employees' Credit Union: Best for first-time home buyers
- Alliant: Best for loan variety
- Golden 1 Credit Union: Best for online lending
- Navy Federal: Best for VA loans
- San Diego County Credit Union: Best for credit union lending