Doh! Wells Fargo won't match lower rate

[dr.girlfriend]

When I was first looking at mortgages, I got my Wells Fargo rep to match a GFE from another lender. Yay! I really like Wells Fargo...they have biweekly payments for no fee with automatic withdrawal, they always service their own loans so even if your loan gets sold around things stay the same, their website is nice, etc.

Now I'm looking to refi. I got a GFE from a random lender (whomever bankrate.com listed as the best rate for my zip code) for 2.875% with similar fees, but Wells Fargo won't budge from 3.175%. Given that this is hopefully our last refi, what do you guys see as the point at which you'd take the risk on a random online lender (America Lending, LLC -- accredited by the BBB but only since February of this year)?

[cjeanette]

They are going to sell it to a bigger bank anyway so it wouldn't matter to me.