I honestly wonder how she can beat other big bank loan officers. I feel she is probably taking slightly less on her end in exchange and depends strictly the volume of her closes as well as referrals
CitiBank offers a relationship discount that no other big bank can match. With as little as $50k in a new Citi account, you get a 1/8% discount on your interest rate. I'm sure she isn't out to make a killing on any loan and is all about repeat and referral business, kind of how some realtors do you rebates....give up a little now to get more later.