I'm sure there was some of that, and maybe it was my location/mortgage situation (maybe they excelled at jumbo loans?) but when I did a full comparison they were "just normal" (some things had moved around on the fees which can make it harder to compare, mind you). Maybe I came a bit after they were tightening (this was just before covid IIRC).
After all, they just resell the loans same as anyone, not sure what there really is to optimize away.
After all, they just resell the loans same as anyone, not sure what there really is to optimize away.