<prompt> Human: I got a mortgage quote from a smaller bank, and they were trying to sell me on the fact that their service in terms of not blowing the close process is far superior to that of Chase. The bank rep mentioned that Chase horror stories are all over the internet...and he was right. I am naturally wary of product review comments due to how easily they can be manipulated and the fact that reviewers are more likely to post negative reviews. I feel like the only way that small mom and pop shops can compete with any national chain business is by emphasizing their quality of service. My question, noble Reddit, is whether the Chase mortgage services are actually that bad or if the small bank is trying to pull a Dunder Mifflin and claim superior service in an industry where the service is not actually that different. Chase has lower interest rates and preferable mortgage structures.  <response>: Youre going to sign up with the small bank taking a slightly higher interest rate just because of the better service and a month later the mortgage is going to get sold to Chase. 