Here is what my friend says about NFCU:
The reason is they require far less up front than anyone else I know AND they are amazing to work with. Our realtor (we used the same one twice) bragged about these people who worked really hard for us in a tight squeeze. The example I'm thinking of was with our last purchase. We were pre-approved with a certain rate that expired after a certain time period. The rates would have gone up after the period expired. We found our current house with a little less than a month left in the period and the whole process usually takes at least a month or more. BUT, they worked with us and kept our loan process moving quickly and we finished with 2 days to spare. That kind of service was apparently unheard of.
So, if you have an in to NFCU, I would also suggest adding them to your list of potential lenders. Probably towards the top.