The worst, most incompetent bank I have ever dealt with. I was given a pre-approval for a mobile home mortgage almost a month before I was due to close. Then, all of a sudden, a new person took over my account, said the last loan officer used 'incorrect criteria' and asked for more information, only to tell me less than 10 days before escrow was to close, that even though I had hundreds of thousands of dollars in the bank, a FICO of 785 and literally hundreds of thousands of dollars in yearly stock sales, every year over the past three years, that I didn't have enough W-2, or schedule C income to qualify for a measly 100k loan (I guess they wanted me to go to work at Walmart for a while). If I didn't have the cash to close, I would have lost the home I wanted, because of the late advisement. Then I asked the loan officer (GARY) to send back my 1040s, because I was going to be under the gun for time to get a new loan, and asked if he wanted MY Fed/Ex number to send it. He said no and then mailed it by PONY EXPRESS (the post office). Absolutely pathetic bank and my "new loan officer" Gary, should definitely get a new career. THE WORST. DO YOURSELF A FAVOR AND TRY THE OTHERS FIRST. Glad they passed. The rate from even a larger bank, like BMO, was way cheaper. Check their rates against bigger banks because they aren't doing anyone any favors. read more