Looking for a refi provider is such an annoying exercise so having Costco Mortgage help you to narrow your choices to the good players is an excellent service.
I went with NBKC mainly due to the high ratings, the rates and the NBKC loan originator CJ Sears. For comparison, I also worked with two other lenders, which I dropped right away since it felt like working with used car sales people.
CJ Sears was professional, efficient and very timely with clarifications to any questions I had, from the start of origination all the way to closing. Loan process was transparent, any numbers agreed to were all reflected in pre-closing docs all the way to final closing -- no surprises, no bs.
Loan processing was mostly all automated, with signing of docs done from your browser, a welcome relief in these covid times. The only short personal interaction was 25 minutes or so of signing manual docs with the Title company, which I scheduled in my backyard out in the open.
NBKC and CJ Sears really proved that the high star ratings are for real. Will definitely use these folks gain. Five star ratings for CJ and NBKC definitely!