We've had no problems with USAA. Use them for everything - Banking, Insurance, Realtor, and Mortgage. We've used them twice now for our mortgage and have never had an issue. Always closed on time and their rate beat the local rate. We also just had to deal with a bunch of hail damage (new roof, gutters, etc.), and while everyone else had to work with their insurance and mortgage company to get the money we got our check direct-deposited within 48 hours since our mortgage went through them.