I have an incredible rate due to NFCU's rate match while also avoid PMI with less than 20% down through a specific loan product. No other lender could match that. With that said, my processor was often uncommunicative. There were long periods with no progress, and then frenzied flurries of activity when I reached out to move them along. It seemed like they sat on the file for ages to schedule the appraisal. I was originally going to use a local lender, who scheduled the appraisal and moved me to conditional close in just over 2 weeks. With that said, other loan processors stepped in and were very communicative when the processor assigned to my file was unresponsive. I was almost always able to reach the loan originator pretty quickly as well if/when there was an issue. They offer a no PMI loan that has a high rate, but they may offer a rate match. Ask! If they can't beat the rate, they (currently) have a program to give you $1,000 after you close. The headaches can be worth it depending on what they offer.