Refi with loandepot vs amerisave vs mutual of omaha

Hi all, Being quoted better rates online compared to banks, like 2.875 no fees/closing/points 30 yr. Amerisave has a non refundable fee $500 Loan depot rep was eager to proceed Mutual of Omaha has fees for 2.75, but guessing they will be waived (or zero at 2.875) Banks quoting 3.5 Anyone have experience refi-ing with these 3 companies? What is the catch?