online lender or scam???????????

[Scott McGill]

I was checking out online lenders and kept seeing these guys ONE TRUE LOAN with crazy low rates. They currently will do 4.35% when rocket is at 4.75 and my local guy is at 5.125% for a $40,000 cash out refinance in Oregon. Are they a scam has anyone used them? they have 8 reviews on google and look good on the BBB. Just not sure with rates that low my red flags are going off. Any help would be great.