Quoted from Friengineer:What are the disadvantages to going with an "off brand" mortgage company? I need to refinance and currently have a mortgage thru my local credit union. They are 1-1.5% higher than the online ones like quicken.
Sometimes you have to push the smaller lenders over the finish line (proactive emails, etc) because they are so overwhelmed with apps.
I've closed with lenderfi and better and had OK exp. Last refinance was in the fall and got a 30 year 2.75 with lender credits to cover all my closing costs outside of escrow. I had a 60% LTV so no appraisal needed.