Yeah, non-bank lenders are generally not going to offer locks nearly that long. It's very costly for the lender or the mortgage investor to hedge against intere

Yeah, non-bank lenders are generally not going to offer locks nearly that long. It's very costly for the lender or the mortgage investor to hedge against interest rate volatility for that long. Banks often consider mortgages to be a loss leader to acquire customers for other services. They often don't have the best rates when rates are low, but they might have other perks like custom loan programs and longer locks.