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Just to add another data point, I have had my mortgage with wells fargo for 9 years now. I also agree that wells has high rates - they were laughably high when I refi'd (a different mortgage/property).
My refi was sold to PennyMac (which some of you have mentioned). I don't love their website but it could be worse. CF Bank (the original refi bank, who i made 2 payments to) didnt even have a web-based portal! I mailed those checks like it was 1995.
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