# Best Credit Union Mortgage Lenders in Raleigh

**As of:** 2026-06-04

Compare the top credit unions offering mortgages in Raleigh. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/local/raleigh/best-mortgage-lenders/credit-unions


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 196
- **Total Loans:** 23,619
- **Median Rate Spread:** 0.1480909090909091%

## Top Lenders

| Rank | Lender | Safe Rate Score | Pricing | Pull-Through | Place | Avg Fees | Rate Spread | Volume | Type | Channel | Notes |
|------|--------|----------------|---------|--------------|-------|----------|-------------|--------|------|---------|-------|
| 1 | [STATE EMPLOYEES'](https://saferate.com/lenders/state-employees) | 82 | 73 | 74 | 100 | $2382 | -0.827% | 1,402 | Credit Union | Direct | — |
| 2 | [NAVY FEDERAL CREDIT UNION](https://saferate.com/lenders/navy-federal-credit-union) | 76 | 93 | 60 | 76 | $788 | -0.641% | 286 | Credit Union | Direct | — |
| 3 | [COASTAL Federal Credit Union](https://saferate.com/lenders/coastal-federal-credit-union) | 63 | 41 | 60 | 88 | $2054 | 0.199% | 303 | Credit Union | Direct | — |
| 4 | [LATINO COMMUNITY CREDIT UNION](https://saferate.com/lenders/latino-community-credit-union) | 46 | 15 | 59 | 65 | $2462 | 0.740% | 52 | Credit Union | Direct | — |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Raleigh.

Our composite Safe Rate Score is derived using a weighted average of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.

## Licensing & Disclosures

Lender rankings and market statistics are created by [Dylan Hall, licensed mortgage loan officer (NMLS #1658740)](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by [PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949)](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.