Getting a loan -Local Bank/Out of state Lender

[Lakshay G.]

In order to get a loan, should I go with a local bank or a major chain bank (PNC or Suntrust that I currently bank with) or should I go to an out of state lender that has excellent reviews on Zillow. The loan is not for a property that needs to be rehabbed so whether I am eligible to get a residential loan from one or another isn't the issue here. It's a livable house (needs minor interior repairs). So either way knowing my income to debt ratio, credit score and other necessary requirements I will easily get approved for a loan from either of the resources. Is it really that important to build relationships with local banks even if the underwriter from local bank as well as a lender found from zillow will go by the documentation for the most part whether it's my first property or tenth. Any comments are appreciated. Thank you.