I was getting 3.75% from a previous lender and loan depot refinanced my mortgage loan for 2.75% and No Out of Pocket costs.
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Beware, they will bait you and promise you what ever you want. Then right when you are about to close they will switch it - and it will cost you. For me it went from 10% or 30K down to 20% and 60K down.
A week before you close you either give up the house you wanted and start again (most home owners will not wait another 30 days) or you pay their price.
Bamk of America may be a bit higher on their interest, but they will be very transparent and there will be no surtprises. I can not beleive the BBB endorses them.