My husband and I are having the same issue. We started our refinance in Oct 2019. The loan processor waited so long to do anything that they had to run our credit again. They just called this month Feb 2020 to verify my employment. As of now we still do not have a close date. We tried to go through upper management and we never received a call back. We have been with NFCU for at least 15 years. Expected much better from them. Very disappointed. 2/25/20 I am now being ask to resubmit documents that I already sent in because the ones previously sent in are now expired. It is ridiculous that this is taking so long that submitted documents are expiring.