My experience has been that credit unions take your loan application then the mortgage processing goes to someone in Phoenix, California or Texas. Then the loan gets sold to one of the Big Five Banks: JP Morgan Chase, Bank of America, Citigroup, Wells Fargo or Ally Financial. I am guessing you have had the same experience.
I understand your interest in avoiding the Big Five Banks. I have moved my checking and savings accounts out of the huge corporations and into local credit unions. But I still refer my clients to a mortgage broker, who will eventually sell the loan to a Big Five. At least with a mortgage broker, your loan processing is local.
I will be interested to hear if anyone finds a credit union that processes the mortgage locally. For local, conscientious and responsive processing of your mortgage application, I can highly recommend Catherine Ellinwood, Fairway Independent Mortgage, 520-954-1907. firstname.lastname@example.org
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Thanks, best of luck.