The negative reviews make no sense. The guy says they pulled his credit without asking is lying that is not permited and calls are recorded an unathorized credit pull would end the employees career im sure pulling the credit of the rate guy who wants a rate and costs of a loan with no info for the lo to work with was a top priority and worth giving up a 100k plus job. How did this employee get the mans ss and dob? He talked to 6 reps asking for closing costs without a credit report of course they cant quote him costs they dont bait switch like all the other junk lenders out there. The woman who had enough money to payoff the amount of mortgage she was requesting can thank the govt quicken cant qualify you for a federallly backed loan based on equity or assets the ability to repay rule (google it). You dont think ql wants to close your loan? Appraisal and third party fees can be paid with a deposit or apllication fee if a loan does not close the company did not profit off this. Appraisers are independent third parties. Ql sold my mortgage to fannie mae they are still servicing my loan but told me it wouldnt be sold which was a lie? Fannie mae securtized the mortgage they dont service loans your loan is serviced by ql they did not sell your servcing. Qls produces conventional loans they dont hold billions of dollars in mortgages. When a mortgage is produced its bundled with other mortgages and sold as mbs to keep capital available to lend. Please educate yourselves a bit this company is ranked highest in client satisfaction for a reason by jd power. They are the largest lender because people who know what they are doing understand the ease of process the people who dont know much about mortgages know these are the best of the best and ask to be educated, and then 2% of the rest that are too ignorant to ask questions complain about things that make no sense at all. Educate yourself before taking to the internet to bash a company that stands up to the fed govt see fha lawsuit and does more for the communtiy than almost any other company in the entire country. People refi- purchase 3-4 times in their life and think they are experts. These people see millions of dollars in transactions a month instead of bargaining like your buying a used car let them explain the process to you. LOs are not paid on your rate ysps are illegal, so instead of viewing them as the bad guys let them help you and humble yourself a bit and maybe ask why your being denied