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.
I've been a USAA member for over 30 years and used them for the mortgage on our first house and a re-fi. That said I've heard countless horror stories of how their mortgage group has taken a crap and is notorious for not getting out all the paperwork that is needed or being late and holding up closing on a house for weeks or longer. When we had our house built two years ago our builder pretty much said he didn't want to build a house for us if we used USAA for financing as they'd had nothing but grief when dealing with them.
Don't know if their mortgage group has improved, but you might want to look at member comments before proceeding. There were plenty of negative comments on the USAA website from members.
