I can say without hesitation that from a consumers point of view, the credit union is the way to go.
They are member owned and therefore; rates and fees are some of the best you will find.
If you add a credit union to your list of lenders you are getting quotes from, you will be doing yourself a big favor because at the very least they will be a good barometer of the local market, and probably be the best deal.
Feel free to contact me if you want more info:
John Thompson, 816.820.4471