Yes. Great service. On my refinance I wanted to use DCU but they could not match the rates and prices offered by competitors on Quicken, Zillow, etc... DCU tends to lag the market, so if rates are going up you can score a great deal. If rates are going down they can not compete.

A word of caution about how you shop if you use Yahoo, Quicken or Zillow. The internet sites sell your query to anyone willing to pay. Your phone will ring, your e-mail will be full, etc ... Might even be worth giving them a discreet phone number to control the hassle factor from telemarketers. I gave an obviously bum number and in the comments asked that they only contact me through an e-mail I had set up specifically for that purpose.

Another word of caution, closing costs and fees. I asked for a pro forma statement, then shopped the product again. None of the really aggressive marketers exactly matched what they held out in their advertising. The market moves very quickly. Depending on your lock the deal they offer changes.

In the end the 1/8th to 1/4 point spread for a truly no closing cost loan (not adding anything to principal) is, IMHO, worth it with rates this low. There are good charting tools. If you are a trend analysis type, you'll have a good idea when to say "lock."

Since all of our mortgages end up with Fannie and Freddie, I don't think it matters who originates your loan ... just shop price.