Credit unions utilize Fannie Mae and Freddie Mac more than any other financial institutions, with the GSEs playing a “critical role” in their ability to deliver mortgage products to their members, according to a recent survey from the National Association of Federal Credit Unions. The tally, published in NAFCU’s Economic & CU Monitor, found that a majority of CU member respondents, 71.4 percent, said that their board policies restrict the percentage of real estate loans held…