I’m better off going to lender that has “in-house” underwriting, right?

Many mortgage financing sources will boast that they can just step down the hall to their underwriter and get an expedient (presumably affirmative) loan approval.  This also tends to give one the false belief that  an underwriter who works within the same company is willing to be a little  more flexible.

We have found the exact opposite is probably a more accurate assumption.  In-house underwriters seem to need to be more cautious to avoid any implications of impropriety.  Some lenders even have a policy that underwriters reviewing branch office files must be strictly evaluated.  In some cases, it is even  company policy for the loan officer and underwriters to avoid directly discussing a loan file.  Situations may also arise where there is a long standing personality conflict between a loan officer and an underwriter.