When I told Ryan, I had a better offer from another bank, he seemed perplexed. "Nobody beats my rates." He went to his bosses to try to compete with my other offer. He got back to me saying he couldn't do it, and I was a little bummed because he was the most sincere and professional of the loan officers I had spoken with. Well, a few weeks later - after the other bank had messed up on several levels and wasn't able to honor their offer after all, I called Ryan immediately. Seems he was right! His rates were the best and he worked extremely hard and patiently to move the process along quickly to try to make my closing date. I plan to contact him directly before going to lending tree next time.