How do you know when a major lender does do its own loans??
Our old bank got sucked up by OneWest.
We didn’t stay with them, went to a local credit union. Hasn’t been a year yet, but so far so good. Would credit unions sell off their loans?? It seems to me I have read for awhile that people go to a bank and before they know it, the loan has been sold.
It seems that selling loans and then letting a servicer make fees is the SOP for banks these days. Glad to hear some banks aren’t doing that.
Citi probably would also service their loans, but I don't like talking to customer service people in India about a mortgage, so I would not deal with Citi!
Also US Bank would probably be ok.
But again, you need to find a local branch of one of these companies and deal with them directly.
In most of the nation that should be an option.
As I said before, if you were my customer, I would have been intervening myself to fix something like what you had happen. (Which wouldn't happen with my company because we don't do things that way).