It's a lot like Yelp - you probably wouldn't blame Yelp for a bad referral, unless they were giving 5 stars to companies with a poor history.For what it's worth, those companies that you mention above are no longer on our referral list - and for the same reason.

Smith If you could throw my company name out in the mix too in the future ;)  I've got over 80 ALL 5 Star Google Reviews with amazing customer service and 100% success on our loans with wholesalers.