I first tried rocket/quicken for my home refinance loan. They were slow and the products they were offering me were not competitive. Then I decided to try Costco. within 30 seconds of pressing the submit button on my computer, Chad was calling me from NBKC. After explaining to him what I was trying to do and giving him some additional financial information, he was able to offer me an excellent, very competitive loan rate. At all times during the refinance process, Chad was always available to me, and immediately responsive to my questions and concerns. The other two lenders who contacted me from the Costco program also were responsive and seemed fine, but Chad was simply exceptional.