Community bank experience

[Adam Roberts]

Hey Team -

I wanted to get a general 'take' on my situation now having shopped around for a 30 yr conventional - I secured pre-approval from a few different lenders, one being a community bank in Texas, and the others being random brokers found online with low rates. I have good credit so the specs for each one were not way different, however the community bank was a touch higher rate (3.75% vs. 3.6%). I must say the entire experience thus far with the community bank has been great, helpful people, underwriting decisions made locally, etc. They also like to foster relationships with investors which I plan to become one in the near future.

So has anyone favored a community bank loan for the above reasons, even if there are rates or other financials out there that are marginally better?