Loan Depot wasted my time and money. They kept asking for more and more information, much of it duplicates, stretching out the time over months and then denied the loan. Had to pay $425 for an appraisal I did not need, and, of course, did not get a refund. The first mortgage agent was nice, but the so-called loan processor was nasty and rude. But, I really think the issue was not with me but the fact that when I first started the process they were offerring a lower rate than at the end and they just didn’t want to make the loan in any event. My suggestion, stay the hell away from Loan Depot!