Would prefer an honest & sincere local loan broker to an online bank for the following reasons.

1. YSP will be disclosed without any excuse
2. Easily reachable and in-loop during every step in the escrow process
3. On top of things when it comes to locking rate (my broker monitored rates and saved me $1000 by locking 7 min before the wholesale lender increased the rates)
4. Not expensive compared to online banks given that online banks also add costs that is invisible. Also the broker has multiple sources to shop for best rates.