Big "2" on NBoKC. I was referred to my loan officer two houses & two re-fis ago, and I haven't looked back--I barely even shop around any more, her rates are *always* better than I see anywhere else, there's a flat-fee application (that goes toward the loan at closing), the rates they quote are no-points (points available if you want to buy down, of course) and *no origination* fee. Best of all, several of the loan officers (including mine) actively seek out the "niche" market of military