I've used federal credit unions so far. My next mortgage will probably be with USAA.
Common ground is that they are membership cooperative type organizations, not banks. They are supposedly member service driven instead of profit driven.
Our credit union does second mortgages only.
If you have another CU in the area that offers one, join it and use them.
When I was in the business, there was only one loan I couldn't beat and it came from a CU.
Lending tree is a sales lead generation tool that private brokers use to generate sales, caveat emptor with whoever is calling you.
