Most of the biggest banks are the most horrible lenders I found. They treat you like they're doing you a favor instead of a mutually beneficial business transaction.
We bought mid-2012 (after patiently waiting 9.5 years for the right place at the right price).....both Wells Fargo and Union Bank were PITA's to work with.
Fortunately, a realtor friend suggested First Republic Bank and were they ever fantastic
![Cool 8)](https://www.audiocircle.com/Smileys/audiocircle/icon_cool.gif)
They even accepted the Union Bank paperwork (where we were approved already) as there own reasoning its the same information all lenders ask for. It was not a conforming loan, 20% minimum down, we have great FICO's....a slam dunk you'd think; but so many of these lenders treat you like poorly.
FRB is/was and continues to be great. I have heard wonderful things about INGDirect.com and also Pentagon Federal Credit Union (you need not be military, Pentagon or government.....you just pay $15 to join an association that allows you to join PenFed). They have fantastic rates on conforming and non-conforming loans....even 1.49% auto loans (new or used), too.
Writing to you from our dream home - no thanks to Union or Wells Fargo Bank.