Heyas,

Had a mortgage with the NWAFCU (now Wings) about 12 years ago.

Walked into the office in MSP, sat down with the guy, and it was a 30 second chat that was basically "what seat are you in?", and walked out approved. It was about half a point higher than the banks, but there were no points, closing costs or any other admin fees, just a $400 origination fee. If you worked the numbers, you'd have to stay in your house 7 years to make it back on a lower rate.

Mind you, this was back in the day when the FCU was practically an extension of NWA payroll department (you filled out a 3x5 card to have your mortgage payroll deducted) and things have changed since then. But I've been working with Wings recently for a home loan, and they seem pretty eager to please. Last I checked, loans were 3.5 with $1400 origination fee, or some percent of the loan, whichever was less.

Nu