Loan depot is a mortgage company that is extremely unprofessional and unethical! be careful if you get a low rate, your loan officer may very likely tell you later in the process that your loan can't close at the rate initially quoted . Very deceiving and it is practice they use to only get you as a customer. Very unfortunate! My loan took over 3 months and never closed. Of course it could have if I agreed to the additional closing costs and the higher rate they asked for.