Banks vs credit unions for refi

[Kenny Tan]

I have been out of the refi market for too long and now wanting to refi some properties, including our primary residence we bought in 2012.
I listen to Clark Howard, he’s been saying don’t bother with the Big Banks. Instead go to local credit unions.
There are a number of options:
1.Big banks, such as BoA, WF, Chase…
2.Credit Unions, local. Around here, that could be Umpqua, Golden1…others.
3.E-lending institutions, such as Amerisave, Discover...
4.Loan brokers – I don’t even know how to vet them, other than a few that I have met. But seems like they would have the best leads.

I am looking for a 15 year fixed. What do you recommend?

There are probably other threads on this, but the landscape changes rapidly so recent experience is important.